If the general aggregate has been used up, can the agent assist in reactivating the other aggregate?

The accuracy of the answer rests on an understanding of how general aggregate limits operate in liability insurance. When the general aggregate limit is exhausted, it indicates that the insurer has reached the maximum payout for claims during the policy period.

In this situation, reactivating or replenishing the general aggregate limits does not occur simply by adjusting coverage amounts or through additional premium payments. The aggregate limit is predetermined at the beginning of the policy term and is a fixed amount for the duration of that term. Once it is used up, no further claims can be covered under that aggregate until the policy period ends, at which point a new policy can be issued with a new aggregate limit.

This means that the idea presented in the answer about the relationship of the premiums in relation to the reactivation of the aggregate is significant. The low premiums do not affect the exhausted limit because the limits set by the policy are independent of how much is paid in premiums. Overall, the exhausted general aggregate limit cannot be reactivated, and the policy will be limited to the claims that are paid under the per-occurrence limit until the policy is renewed or replaced.