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Printer Friendly Version
| | Umbrella and Excess Liability : Umbrella/Excess (for Corporate Risk) |
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- An underwriting model designed to provide brokers with a competitive Excess Casualty alternative in the Middle Market coupled with consistent, timely service and predictable claims handling
- Fully customizable, ISO 2004 based Excess Casualty coverages
- Specifically designed, priced and underwritten for the Middle Market
- Lead Umbrella or Excess layer within the first $100 million
- Proprietary SiteSure pollution coverage and Catastrophe Management coverage
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- $10,000 policy or $1,000 per million of limits
- 15% standard commission
- A- VI rating by AM Best for all underlying carriers
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- $25 million
- $0 Retained Limit for most insureds
- Per Location Aggregate available
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- Insureds with up to $1 billion in annual revenue
- Product Manufacturers of all types from light to heavy industrial
- Insureds with a variety of dissimilar operations and compressed time schedules (Private Equity Groups)
- Insureds with unique attributes that require underwriting, coverage and pricing flexibility
- Insureds who have historically had limited options in the standard market
- Insureds who value consistent underwriting and pricing
- Insureds who value ethical claims handling based upon clear coverage forms
- Insureds in low hazard industries that need financially sound capacity for competitive prices, such as:
- Banks and Financial Institutions
- Business and Professional Associations
- Food and Beverage Processors
- Hospitality including Hotels and Resorts
- Museums and Cultural Institutions
- Radio and Television Broadcasters
- Real Estate Owners and Managers (REITs, habitational, commercial and industrial)
- Retail of all types from consumer goods to heavy industrial
- Trade and Vocational Schools
- Wholesale distribution of all types of products
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- Aviation products
- Asbestos products
- Contractors: may be available through the ACE Construction Unit
- Daycare operations (except incidental exposures)
- Energy operations: may be available through the ACE Energy Unit
- Healthcare facilities and providers
- Livery operations (except incidental exposures)
- Medical products (invasive)
- Mobile phone products
- Municipalities and government entities: may be available through the ACE Public Entities Unit
- Nursing homes and assisted living facilities
- Pharmaceutical & nutraceutical products
- Professional employment organizations (PEOs)
- Social service and religious organizations
- Trucking operations (hauling goods for hire)
- Welding rod/manganese products and operations
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- Ability to be a solution provider across a broad spectrum of the middle market:
- Broad appetite for risk and underwriting flexibility to provide an admitted, competitive, service oriented alternative on more hazardous accounts
- Differentiated rating model and low minimum premiums to provide exceptional pricing on lower hazard accounts
- Experienced local middle market Umbrella underwriters with high levels of authority and flexibility to provide industry leading responsiveness and tailored coverage options
- Industry leading policy language for both lead umbrella and excess attachments
- Ability to schedule a wide range of underlying coverages
- Ability to provide industry leading coverage enhancements including our proprietary SiteSure Pollution and Catastrophe Management endorsements
- Experienced umbrella claims staff provides expert defense to insureds in a consistent ethical manner that is based upon our commitment to pre-loss contract certainty
- Financial Strength: ACE USA consistently receives among the highest ratings for financial strength from the industry's principal rating agencies
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