ACE PaCSM
ACE PaCSM offers a combined primary commercial general liability and pollution liability coverage form, primary commercial automobile and follow-form lead umbrella programs for a cross-section of industries. ACE PaC effectively and efficiently coordinates broad streamlined coverage for owners of commercial properties to address critical areas of risk.
Benefits:
- Experienced and responsive underwriting specialists with significant expertise in environmental and casualty insurance
- Single policy combining general liability and pollution liability
- Single point of contact for submissions, with underwriting authority for all lines of coverage
- Dedicated claims and risk control services
Coverage:
- Primary General Liability and Pollution Liability:
- ACE developed single combined pollution liability and general liability policy form (offered on a non-admitted basis only through licensed surplus lines brokers)
- Coverage available on an occurrence or claims made basis
- Per location and per location aggregate caps available
- Employee benefits liability available
- Policies can be written on first dollar/guaranteed cost basis or by utilizing deductible or self insured retention
- Pollution liability coverage extensions include:
- Premises Pollution/Transportation and Disposal Sites Pollution Coverage
- Products Pollution/Sudden and Accidental Pollution Coverage
- Pollution Discovery Cleanup Coverage
- All guaranteed cost and deductible policies are quoted using ACE USA claims handling. Claims handling within a self insured retention can be provided by ACE claim service affiliate, ESIS, Inc., another acceptable TPA, or self administered, subject to the provisions of the policy.
- Zero collateral required for deductible policies for qualified insureds.
- Primary Commercial Automobile:
- Coverage written on an admitted basis via use of ISO 2001 policy form
- Liability and physical damage coverage available
- Hired and non-owned coverage only available
- Garage Liability and GKLL coverages available
- Low minimum premium available to facilitate primary general liability placements
- Lead Umbrella:
- Follow form coverage for pollution and general liability, primary automobile
- Catastrophe Management Coverage extension
- Schedule of underlying insurance can include employers liability coverage provided by a non-ACE policy, subject to minimum insurer financial rating of A- VI by A.M. Best.