My experience is that overtorque happens most likely on delivery of a heavy load, often if you come in too fast, or with a tailwind. Too hard pedal-inputs will result in an overtorque if you are on the limit.
In the AS 350, the freewheeling-unit may need replacement after a high overtorque, or several minor ones.
We had to replace a freewheeling-unit last year after a 16-sec 108% overtorque...! (There was a guy that ran under the load, and the pilot HAD to hold it until he was safe!). That unit had a pricetag of about 18,000,-Euros.