Commercial Auto Insurance
What Does Combined Single Limit (CSL) Mean on Commercial Auto?
CSL is a single dollar amount covering all bodily injury and property damage liability in one accident — instead of separate split limits for each type of loss.
What is combined single limit (CSL) on a commercial auto policy?
Traditional auto policies use split limits — for example, $300,000 per person / $500,000 per accident / $100,000 property damage. Combined single limit simplifies this: $1M CSL means the insurer will pay up to $1M total for all bodily injury and property damage claims from one accident.
CSL is generally preferred for commercial vehicles because it provides more flexible protection. If one person is severely injured, the full $1M is available — not capped by a per-person split limit.
Most commercial auto policies for contractors are written on a CSL basis. $1M CSL is the standard recommendation; higher limits or umbrella coverage can extend protection for larger operations.
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