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ACE Westchester writes most classes of casualty business, including:
Commercial General Liability
- Capacity
- $1 million each occurrence
- $2 million general aggregate
- $2 million products/completed operations aggregate
- $100,000 fire legal liability
- $5,000 medical payments
- Coverage Forms
- Current ISO General Liability coverage parts and standard ISO endorsements
- Occurrence based or claims made forms
- Admitted paper available
- Deductible/Retentions
- Minimum deductible $1,000
- Other available deductibles up to $50,000
- If written excess of self-insured retention, minimum SIR is $50,000
- Coverage Enhancements - Construction risks may be offered with the following coverage features:
- Project specific OCIP, CCIP, GC and owner’s interest coverage
- Per project aggregates
- Blanket AI coverage
- Non-contributory wording as required by contract
- Extended products/completed operations coverage
- Term of project policies
- Annual aggregate reinstatements
- Other Coverage Features Include:
- Evaluate potential for world-wide coverage
- Stand-alone premises or products coverage
- Stop gap coverage in monopolistic states
- Target Industry Segments:
- Construction
- Non-Consumer Products Liability
Umbrella/Excess Coverage
- Capacity
- $25 million occurrence/aggregate
- Coverage Forms
- Current ISO Umbrella coverage parts and ISO endorsements
- Occurrence based or claims made forms
- Straight Excess coverage available
- Coverage Enhancements - Construction risks may be offered with the following coverage features:
- Project specific coverage
- Extended products/completed operations coverage
- Term of project policies
- Annual aggregate reinstatements
- Offered on a stand alone or support basis
- Minimum Premiums
- $25,000 annual policy premium; may go lower by exception
- $2,000 per million
- Restrictive Limits
- $5 million maximum limit for crane accounts with tower cranes or crane work in New York
- Street/Road Contractors
- Excess of $5 million
- $10 million in limits if attachment is written first $25 million of limits
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Crane Accounts
- $10 million (no tower cranes / New York work)
- Fleets
- Fleets over 250 units – lead umbrella - $2 million attachment on Auto required; $10 million in limits within first $25 million attachment
- Fleets over 1,000 units – lead umbrella - $5 million attachment on Auto required; $10 million in limits within first $25 million attachment
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OCIP/Project Specific – Residential (commercial grade construction condominium construction – no frame) $10 million limit
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Apartment/Condominium Construction in western states (see list below); refer to our San Francisco office.
- Arizona
- California
- Texas
- Colorado
- Hawaii
- Nevada
- Oregon
- Utah
- Washington
- Target Industry Segments
- Commercial Construction
- Manufacturers
- Energy and Mining
- Hotels and Casinos
- Municipalities
- Utilities
- Financial Institutions
- OL&T
- Non-Consumer Products Liability
- Rail Related Products
- Schools
- Sports Teams
- Tribal Nations
Specialty Casualty/Commercial General Liability/Buffer Liability
- Capacity
- $1 million each occurrence
- $2 million general aggregate
- $2 million products/completed operations aggregate
- $100,000 fire legal liability
- $5,000 medical payments
- Coverage Forms
- Proprietary manuscript coverage parts and endorsements tailored to each insured’s needs
- Current ISO General Liability coverage parts and standard ISO endorsements
- Premium/Deductibles/Retentions
- No minimum premium
- Minimum deductible $25,000
- Minimum SIR $25,000
- Target Classes / Successes
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High Excess Liability (Excess of $25 million)
- Capacity
- $25 million occurrence/aggregate
- Coverage Forms
- Occurrence based or claims made forms
- Follow-form excess
- Coverage Enhancements
- Excess of loss or quota share participation
- Follow-form excess
- Target Industry Segments
- Large Commercial Accounts
- Risk Purchasing Groups
- Commercial Construction
- Manufacturers
- Energy and Mining
- Hotels and Casinos
- Municipalities
- Utilities
- Financial Institutions
- OL&T
- Non-Consumer Products Liability
- Rail Related Products
- Schools
- Sports Teams
- Tribal Nations
- Construction
Transportation/Specialty Auto
- Minimum Premiums
- $5,000 annual policy premium
- $2,000 per million
- Minimum Attachments
- $1 million CSL, except $250,000 for buffers
- Target Industry Segments
- Risks hauling commodities, equipment, materials, liquids, etc.
Small Umbrella
- Minimum Premiums
- $10,000
- Can write over “A-6” rated carriers with a minimum attachment point of $1 million
- Coverage Enhancements
- Offer true umbrella cover via ISO umbrella form
- Ability to offer supported and unsupported cover
- Target Audiences
- Small commercial clients who need coverage backed by the financial strength of the ACE Group
- Small fleets
The above is only a summary and the underwriter reserves the right to request additional information and determine if a policy quote can be offered. If a policy is issued please see the policy for actual terms and conditions. All products may not be available in all states and surplus lines products are only available through licensed surplus lines brokers.
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