Split Limit
Definition. Split Limit is an alternative to CSL where bodily injury and property damage have separate dollar limits — typically expressed as $100K/$300K/$100K.
Also known as: Split Limits, Three-Number Limits
The three numbers represent: per-person BI limit / per-accident BI limit / per-accident PD limit. CSL is more flexible because the limit can flex between BI and PD; split limits cap each category separately.
Example
$100K/$300K/$100K split limit on Commercial Auto. Accident causes $400K BI: only $300K paid. Accident causes $50K PD + $150K BI: $50K PD + $100K BI per person paid.
Sources cited
Need split limit coverage?
Compare quotes from 10+ commercial insurance carriers in 5 minutes. Free, no contact info required.
Get My Quotes →Disclosures
📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
Advertiser disclosure.
Get Business Coverage is a licensed insurance referral service. We may receive
compensation when you click links to carrier partners or complete a quote. This
compensation may impact how and where products appear on this page, but it does
not influence our editorial content or research methodology.