What is a per-project aggregate endorsement?

A per-project aggregate endorsement converts your GL policy's general aggregate from one shared limit for all projects during the policy year to a separate aggregate for each project. Without it, a large claim on one project could exhaust your aggregate and leave subsequent projects with no coverage. For tower contractors running multiple simultaneous MSA-governed projects, this is critical. If your $2M aggregate is depleted by a claim on Project A, the turf vendor on Project B has no coverage available. Most turf vendor MSAs require per-project aggregate to ensure their project has dedicated limits. The endorsement is typically ISO form CG 25 03 or equivalent. It resets the aggregate for each project defined by a separate job site, contract, or location. Some variations provide per-location aggregate instead, which functions similarly but is triggered by physical location rather than contract. The additional cost for per-project aggregate is typically 5-10% of GL premium and is well worth the investment for any contractor working multiple projects simultaneously. Without it, a single bad claim early in the policy year can effectively shut down your ability to work on other insured projects.