Formed or calculated by the combination of many separate units or items total. A whole formed by combining several (typically disparate) elements


Aggregate is the total amount to be paid, medical, rehabilitation, repairs, benefits.


General Liability

Insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.


Slip-and-fall accident: A restaurant is sued when a produce deliveryman slips on the wet floor of the freshly mopped kitchen. Tomatoes go flying everywhere, but the real damage is done to the deliveryman’s shinbone, which he breaks smashing it into a table. He sues the restaurant for $100,000 in medical costs, lost wages, and other expenses.

Customer injury lawsuit: A photographer is shooting senior photos for a client. As the family walks into the studio, the mother trips over the cord for the flash and falls to the ground,breaking her collar bone. The family sues the photographer for $75,000 in medical damages.



If you are the indemnified party, an indemnification clause is simply a
promise by the other party to cover your losses if they do something that causes you harm or causes a third party to sue you. … Indemnify and hold harmless mean the same thing to make whole after causing a loss.


We indemnify our worker, that is if they are injured while working, we will use our insurance to make them “whole” again.