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Home> Products & Services> Umbrella and Excess Liability> Umbrella/Excess Liability

 
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Umbrella and Excess Liability : Umbrella/Excess Liability

Regional Contacts


Product Description
  • Standard and specialty lead umbrella and excess liability
Minimums
  • Minimum premium: $50,000 (different minimums may apply to specialty classes)
  • Minimum attachment points*
    • General liability: $1 million per occurrence/$2 million general aggregate/$2 million products aggregate
    • Auto liability: $1 million CSL/$5 million trucking risks
    • Employers liability: $1 million

*Attachments will be individually evaluated on all risks

Limits
  • $50 million occurrence/aggregate available
Typical Client Profile
  • Standard Classes
    ALL classes of business, including:
    • Manufacturing risks
    • Real estate portfolios
    • Financial institutions
    • Service industries
    • Transportation
  • Specialty Classes
    • Automobile parts manufacturers
    • Energy
      • Oil & Gas
      • Chemical (manufacturing and distribution)
      • Mining risks
      • Utilities
    • Invasive medical
    • Municipalities and public entity
    • Railroad and light rail risks
    • Construction
      • Commercial contractors
      • Owner controlled/contractor controlled insurance programs (OCIPs/CCIPs)
      • Joint ventures/project specific
Restricted Classes or Industries
  • Aviation products
  • Asbestos products
  • Nursing homes/HPL
  • Pharmaceuticals
  • Professional liability
Key Competitive Advantages
  • Unique approach to risk; we understand your risk challenges
  • Expertise in underwriting
  • Financial Strength: ACE USA consistently receives among the highest ratings for financial strength from the industry's principal rating agencies

 



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