With an individual aggregate based liability policy, like our massage liability policy, you don’t have to worry about reaching the maximum annual aggregate with a bunch of people you don’t know. Every insured massage therapist will have his or her own coverage. Any claims that other insured customers make will not affect your individual coverage amount remaining.
In a shared annual aggregate policy, you would be sharing the yearly limit for claims and may find yourself in a situation where you might not be covered under your policy after all. If the shared annual aggregate limit for the year is reached anyone in the group who files a claim after that point will not be covered under their individual coverage limits.