A Combined Single Limit (CSL) in Commercial Auto Insurance refers to a single dollar limit that applies to any combination of bodily injury and property damage liability coverage per accident. Unlike split limit policies that have separate limits for bodily injury per person, bodily injury per accident, and property damage, a CSL provides a flexible, single limit that can be used as needed up to the maximum amount for any combination of these liabilities.

Imagine your roofing business owns a fleet of trucks used for transporting materials. If one of your trucks is involved in an accident causing both property damage and multiple injuries, a CSL policy allows you to use the total coverage amount in any way necessary to cover these costs, without specific sub-limits. This can be particularly beneficial in accidents with significant damage or where injuries and property damage claims are both high.

Opting for a Combined Single Limit in your commercial auto policy is important because:

• It provides greater flexibility in using your coverage for the costs of an accident.
• It simplifies your insurance by having one total coverage amount rather than multiple sub-limits.
• It can offer more comprehensive protection in serious accidents where expenses might exceed individual split limits.