•    Umbrella

Umbrella

•    375 Class Codes – low to medium hazard
•    Quick turn around rate, quote, bind
•    1x to 5x of $1 million primary
•    Accounts $25,000 in premium and below

Environmental

The Environmental products are designed for smaller accounts.  Both contractors and consultants fit our program.  Minimum premium of $2,500. 

•    Commercial general liability
•    Contractors pollution liability
•    Professional liability
•    Excess over general liability, pollution liability, professional liability, auto, excess liability.  General liability has to be written by ACE Westchester.
•    Auto to support general liability

Target Customers

•    Environmental contractors and consultants

o        Including general liability, pollution liability and professional liability–revenues up to $2.5 million

•    Fire/Water restoration contractors

o        General liability and pollution liability-revenues up to $2.5 million

•    Non-environmental contractors

o        Mono line pollution liability and professional liability-revenues up to $25 million

Capacity

•    $6 million limits ($25 million possible)

Coverage Forms

•    Occurrence or claims-made ISO general liability
•    Mold coverage
•    Occurrence or claims-made ACE Westchester contractors pollution liability coverage
•    Claims-made ACE Westchester professional liability coverage
•    ACE Westchester excess follow form coverage forms and endorsements

Submission Requirements

•    Application
•    Loss information (three years) including description of large losses
•    Details of expiring program (if any)
•    Desired limits and target pricing

Inland Marine

Online rate, quote, bind and issue system for builder’s risk and motor truck cargo products.  System will give quotes and will refer to underwriters accounts that need underwriter final approval.  Broker sign-on password required.

   Motor Truck Cargo Online Facility

   Builder’s Risk Online Facility

Motor Truck Cargo

•    Scheduled vehicle basis not gross receipts – up to 25 vehicles
•    Admitted paper all states except California
•    Broad form coverage
•    Print policy in your office from PDF
•    Most commodities qualify including auto haulers

Builder’s Risk

•    $10 million in limits available (refer)
•    All construction types (including frame)
•    All risk form
•    Print policy in your office from PDF
•    Will do renovations projects (refer)
•    All states

Professional Risk

The Diversified Risk team writes a variety of smaller professional accounts with no minimum premium.  We have an appetite for a large cross section of errors and omissions, directors and officers and employment practices liability that are handled in very effective rate, quote, bind and issue process.

Private Companies (no financial institutions)

•    $100 million in revenues and less
•    Under 500 employees

Not-for-profit Companies (no financial institutions)

•    $25 million in revenues and less
•    Under 500 employees

Employment Practices Liability (no financial institutions)

•    500 employees and less

Community Association Liability

•    Split limits available; $2 million maximum limit

Franchise Employment Practices Liability

•    Food industry franchisees
•    Split limits available; $1 million / $3 million maximum limit

Miscellaneous Professional Liability - $6m in revenue and below

•    Target Classes:

o  Real Estate–agents/brokers, property managers, appraiser, title agents, escrow agents

o  Consultants–human resources, business management, strategic

o  Temporary staffing/employment agencies

o  Third Party Administrators/Benefit Consultants

Educators Legal Liability and Employment Practices Liability - $25 million in revenue/budget and below

•    Target Classes:

o  Public and private non-profit schools including charter schools

o  Community Colleges

Public Officials Liability and Employment Practices Liability - $25 million in revenue/budget and below

•    Target Classes:

o  Municipalities–counties, cities

o  Special Districts–housing, utilities, water, port authorities, small airports

o  Limits from $250,000 to $5 million and retentions from $2,500 and up

 
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.