This Insurance Glossary of Terms is produced and maintained by the National Alliance Research Academy. 
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Excess Per Occurrence

The reinsurer pays only when the aggregate loss from any one occurrence exceeds the predetermined retention of the ceding company. The primary use of excess per occurrence is to protect the insurer from a widespread catastrophic loss. For example, $750,000 excess of an aggregate of $250,000 in claims arising from any one occurrence.

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