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Home> Products & Services> Umbrella and Excess Liability> Utility Plus (Umbrella/Excess, Environmental and Professional)

 
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Umbrella and Excess Liability : Utility Plus (Umbrella/Excess, Environmental and Professional)

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Forms & Applications
Product Description
  • Lead Umbrella and Excess Liability for Electric, Gas, and Water Utility risks including unregulated operations
  • Claims Made, Occurrence or Occurrence Reported coverage
  • Coverage extensions include: 
    • Failure to Supply (Property Damage or Capacity Trigger)
    • Standards Boards Activity 
    • Community Service Activity 
    • Emergency Assistance Agreement 
    • SiteSure® Pollution in partnership with Environmental 
    • D&O, EPLI and E&O underwritten by the ACE Professional Liability Department

Insurance provided by ACE American Insurance Company, ACE Property & Casualty Insurance Company, Philadelphia, PA and, in some states, other insurers within the ACE Group of Companies. Surplus lines insurance provided through licensed surplus lines brokers only.


Minimums
  • Minimum premium: $50,000 
  • Minimum underlying: $1 million per occurrence for general liability, automobile liability and employers liability primary insurance or self-insured retention
Limits
  • Up to $25 million per occurrence/aggregate
  • Up to $15 million per occurrence/aggregate in Wildfire areas 
  • Attachment point: within the first $100 million excess of primary insurance or self-insured retention
Typical Client Profile
  • Utilities
    • Electric, gas and water utilities
    • Regulated unregulated entities
  • Oil & Gas 
    • Exploration and production 
    • Exploration and production services 
    • Pipelines and midstream 
    • Products and distribution 
    • Contractors
Restricted Classes or Industries
  •  N/A
Key Competitive Advantages
  • Individual risk underwriters 
  • Financial Strength: ACE USA consistently receives among the highest ratings for financial strength from the industry‘s principal rating agencies


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