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Public Entity

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Product Description

ACE USA specializes in underwriting multiple lines of coverage for individual risks and pools. We define public entity as political subdivisions, agencies and authorities, and public and private schools (K-12) and colleges.

Combined Liability/Professional Liability Retained Limit and Follow Form Excess Coverages (various limits):

  • General Liability, including Law Enforcement Liability
  • Automobile Liability
  • Public Officials Liability or School Board Liability, including Employment Practices Liability
  • Employee Benefits Liability
  • Miscellaneous Professional Liability
Minimums
  • Attachment: Prefer first layer excess of self-insured retentions of $50,000 or more
Limits
  • Normal capacity offering of $5 million to $10 million
  • Capacity up to $20 million available
Typical Client Profile

Individual Risk

  • School districts with an average daily attendance of 7,500 or more
  • Cities or towns with populations of 35,000 or more
  • Counties with populations of 100,000 or more
  • Special districts

Pool Risk

  • Risk sharing/risk retaining
  • Selective member acceptance and pricing criteria
  • Clear pool operational strategy
  • Strong claims and loss prevention services
Restricted Classes or Industries
  • N/A
Key Competitive Advantages Potential Companion Coverage (various limits and attachments)
  • Excess Workers Compensation
  • Environmental Liability
  • Accident & Health, including Student Accident
  • Aerospace (Aviation)
  • Construction
  • International Package
  • Kidnap & Ransom, including Child Abduction
  • Property, Builders' Risk, Bridges and Tunnels


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