What does it means to have a per occurrence policy limit?
The policy limits in Coverage E -personal liability- are per occurrence policy limits. Per occurrence limits apply to either one specific accident or to a series of continuous and related incidents which lead to a specific bodily injury or property damage loss. For example, suppose your policy limit in Coverage E is $100,000. If you were found to be negligent in two unrelated incidents and the court awarded damages of $50,000 and $60,000, respectively, your insurance company would cover both losses fully even though the total damages incurred in the lawsuits exceeded than $100,000.
