{"id":7560,"date":"2013-12-05T15:00:46","date_gmt":"2013-12-05T15:00:46","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=7560"},"modified":"2023-10-27T14:35:08","modified_gmt":"2023-10-27T13:35:08","slug":"what-do-in-the-aggregate-and-any-one-claim-mean","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/what-do-in-the-aggregate-and-any-one-claim-mean","title":{"rendered":"What do in the aggregate and any one claim mean?"},"content":{"rendered":"\n

<\/p>\n\n\n

\n
\"two<\/figure>\n<\/div>\n\n\n

You’ve taken the plunge and are about to buy your first business insurance policy.<\/p>\n\n\n\n

However, that confident professionalism is dented slightly when you find yourself facing a choice between two things you’ve never heard of before: insurance that’s either ‘any one claim’<\/strong> or ‘in the aggregate’.<\/strong><\/p>\n\n\n\n

Here’s how we helped just such a confused customer.<\/p>\n\n\n\n

PolicyBee:<\/strong> Hello client. How can we help you today?<\/p>\n\n\n\n

Client:<\/strong> I’m confused by the terms ‘any one claim’ and ‘in the aggregate’. Can you explain what they mean, please? <\/em><\/p>\n\n\n\n

PB:<\/strong> Sure. Any one claim and in the aggregate are all about one particular aspect of your insurance. Specifically, how your policy pays claims.<\/p>\n\n\n\n

Client:<\/strong> Interesting. Do go on. *Stifles a yawn*<\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

In the aggregate<\/h2>\n\n\n\n

PB:<\/strong> Let’s start with in the aggregate<\/strong>. This type of cover places a ‘ceiling’ on how much your insurer pays out. For example, if your level of cover is \u00a3250,000, your insurer will never pay out more than that, in total, for all<\/strong> claims and their associated legal costs in a year.<\/p>\n\n\n\n

It’s like a pot of money set aside to pay everything to do with your claims. And once it’s gone, it’s gone.<\/p>\n\n\n\n

You might also hear this described as an ‘all claims’ policy.<\/p>\n\n\n\n

Client:<\/strong> Righto<\/em>. So<\/em> what about an any one claim policy? <\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

Any one claim<\/h2>\n\n\n\n

PB: <\/strong>An any one claim <\/strong>policy also has a ceiling, albeit one decorated slightly differently. Using that example above, the same \u00a3250,000 level of cover will pay out a maximum of \u00a3250,000 for each<\/strong> claim, plus another \u00a3250,000 for each claim’s legal costs. <\/span><\/p>\n\n\n\n

You might hear this described as an ‘each and every claim’ policy.<\/p>\n\n\n\n

Client:<\/strong> It seems like any one claim covers more than in the aggregate.<\/em><\/p>\n\n\n\n

PB:<\/strong> Good spot. And you’re right \u2013 in a way it does.<\/p>\n\n\n\n

Client:<\/strong> I bet it’s more expensive then. <\/em><\/p>\n\n\n\n

PB:<\/strong> Well, yes, it does usually cost more. But then you get what you pay for. And sometimes the difference isn’t as much as you’d think.<\/p>\n\n\n\n

<\/p>\n\n\n\n

In the aggregate vs. any one claim<\/h2>\n\n\n\n

Client:<\/strong> So which one should I get? <\/em><\/p>\n\n\n\n

PB: <\/strong>Depends. Budget isn’t the only thing to think about. Plus, some insurance, such as public liability<\/a> and employers’ liability,<\/a> are any one claim, regardless.<\/p>\n\n\n\n

If we’re talking professional indemnity insurance<\/a>, small businesses, working on relatively low-value contracts in a low-risk industry (training, for example) might find an aggregate policy is all they need.<\/p>\n\n\n\n

Engineers or architects, or those involved in high-risk, complicated, expensive-to-fix work might find more security in an any one claim policy. There’s no right or wrong option.<\/p>\n\n\n\n

Client:<\/strong> OK<\/em>. Thanks PB. You’re swell.<\/em><\/p>\n\n\n\n

PB:<\/strong> Not a problem, Johnny Client. Any more questions, feel free to give us a call on 0345 222 5391<\/strong>.<\/p>\n\n\n\n

Client:<\/strong> If I was real<\/em>, I reckon I’d probably do exactly that.<\/em><\/p>\n\n\n\n

Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

You’ve taken the plunge and are about to buy your first business insurance policy. However, that confident professionalism is dented slightly when you find yourself facing a choice between two things you’ve never heard of before: insurance that’s either ‘any … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[131,129,130,132],"tags":[163,45,141,137,176],"class_list":["post-7560","post","type-post","status-publish","format-standard","hentry","category-employers-liability-insurance","category-professional-indemnity-insurance","category-public-liability-insurance","category-small-business-advice","tag-architects","tag-claims-2","tag-engineers","tag-insurance-explained","tag-trainers"],"acf":[],"yoast_head":"\r\nWhat do in the aggregate and any one claim mean?<\/title>\r\n<meta name=\"description\" content=\"In the aggregate or any one claim? 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