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Commercial Accounts

ACE Risk Management’s (ARM) Commercial Accounts program is designed to provide customized risk financing programs that meet each company’s individual needs. Major accounts reflect loss picks between $1 - $5 million; select accounts reflect loss picks between $0 - $1 million.

Benefits:

  • Significant experience designing risk financing structures
  • Tailored collateralization review
  • Access to ARM underwriters in nine major locations, nationwide
  • Ability to partner with a broad array of other ACE USA product offerings

Coverage:

  • Flexibility to unbundle claims services to a number of pre-qualified third party administrators
  • Close Out option available at binding for Workers Compensation (WC) and Automobile Liability (AL), which outlines pre-determined loss development factors (typically executed at 54 or 66 months from inception)
  • Fully bundled claims management and loss prevention programs through ESIS®, Inc.. ACE’s risk management services company

Minimums

  • Minimum deductible/retention: $100,000 per accident for WC
  • Lower retentions or guaranteed cost may be considered for General Liability (GL) and Auto Liability

Limits

  • Statutory capacity for WC
  • Capacity of up to $10 million for GL and Auto
  • Additional capacity may be available through our Casualty Risk division

Client Profile

Our clients include private and publicly held companies with:

  • Strong history of financial performance
  • Established or prospective risk financing appetites
  • A desire to transition away from guaranteed cost
  • Established loss control and safety programs
  • Firms engaged in spin-offs, mergers, acquisitions, divestitures or other related private equity transactions

 

 

Insurance provided by ACE American Insurance Company, ACE Fire Underwriters Insurance Company, ACE Property & Casualty Insurance Company, Indemnity Insurance Company of North America, Philadelphia, PA, and, in some jurisdictions, other insurance companies within the ACE Group. The product information above is a summary only. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states. Surplus lines insurance sold only through licensed surplus lines producers.

ESIS, Inc, a claims and risk management services company, is part of ACE USA, the U.S.-based retail operating division of the ACE Group of Companies. ESIS risk control services may be sold directly to ESIS’s clients, or part of insurance underwriting. Risk control activities conducted on behalf of the insurer are not intended as a direct benefit or service to ACE insureds.