Becky owns a small toy-manufacturing company. She has a CGL with these limits:

• General aggregate limit: $2,000,000
• Product-completed operations aggregate limit: $2,000,000
• Each occurrence limit: $1,000,000
• Personal and advertising injury limit: $1,000, 000
• Damage to premises rented to you limit: $1,000,000
• Medical expense limit: $5,000

All of the events and claims described occur within the same one-year policy period

Event 1: Becky leases premises in a factory complex, where the toys are manufactured. One night, an employee tosses a cigarette into a trash can on his way out. A fire starts in the building and spreads to another building in the complex. The damage to the premises Becky leases is $100, 000. The damage to the other building, where the fire caused an explosion, is $600, 000. Apply the damages to the appropriate limits

Event 2: Becky develops a new toy oven. She leases a store in a mall, where she sells her toys. A fire starts in one of the toy stoves at the store. Three children sustain burns. Their bodily injury claims are $1, 000,000.

Event 3: A second toy oven purchased by a customer catches fire and causes damage to the customer's home and injury to the child playing with the oven. The damages awarded are $600, 000

Event 4: The manager of Becky's store detained a customer, who was shopping with her child, for suspected shoplifting. The child was injured in the process. No evidence was found to support the allegation, the customer sued the store. The damages awarded were $250, 000 for the child's injury and $100, 000 for the false detention.

Note: All above events happened one after the other.

	Losses	Claim Amount	Amount Payable Under the Policy
Event 1	Leased Building
	Other Building
Event 2	Three kids burns
Event 3	House damage and child injury
Event 4	Child injury and false detention