The minimum liability coverage required for a single incident.
Also known as: Per Occurrence Cap
By Angel Campa, Founder · Updated March 2026
The CGL occurrence limit sets the floor for liability protection in a single incident. Standard commercial leases require $1 million per occurrence, but high-traffic retail or restaurant tenants may need $2 million or more. If the required limit exceeds the tenant's existing policy, the additional premium cost must be factored into occupancy budgets. Inadequate coverage exposes both tenant and landlord to personal liability in the event of a serious injury claim.
Found in the "Insurance" section, typically listing minimum coverage amounts in a table or bullet list. Often references "Commercial General Liability" or "CGL" policy with per-occurrence and aggregate limits specified together.
Lextract uses a combination of AWS Textract OCR and Claude AI to identify and extract the cgl occurrence limit from your lease PDF. The AI searches for the field name and common aliases like "Per Occurrence Cap" across all pages of the document, then assigns a confidence score based on OCR quality and extraction certainty. Fields with lower confidence are flagged for human review.
CGL Aggregate Limit
The total maximum liability coverage required for the policy period.
Property Insurer
Specifies whether the landlord or tenant insures the physical building/improvements.
Waiver of Subrogation
A mutual agreement preventing insurers from suing the other party to recoup losses.
Additional Insured
Requirement for the tenant to add the landlord to their liability policy.
Indemnification Scope
The extent to which the tenant holds the landlord harmless from liability claims.
$1,000,000 per occurrence is the most common requirement in commercial leases. Some landlords in high-risk industries (food service, childcare, fitness) require $2,000,000. Umbrella or excess liability policies can bridge the gap if the base CGL limit is insufficient.
Per occurrence means the maximum amount the insurer will pay for a single incident or claim. If a customer slips and falls, the per-occurrence limit caps the payout for that one event. This is different from the aggregate limit, which caps total payouts for all claims in a policy year.
What accuracy can you realistically expect from AI lease abstraction tools? We break down field-level accuracy rates, where AI excels, where it struggles, and how to validate output.
Compare the top AI lease abstraction tools for commercial real estate in 2026. We review Lextract, Prophia, Kolena, Leasecake, MRI Software, and more — with pricing, accuracy, and use-case guidance.
Free AI lease abstraction tools are fast and easy — but they have real limitations. Here is what free tools deliver, what they miss, and when you need structured output instead.
Upload your lease PDF and Lextract will extract cgl occurrence limit along with 98 other structured fields in minutes. Just $20 per lease.
Upload Your Lease