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Custom Casualty Solutions

ACE Custom Casualty Solutions offers individualized account casualty programs for companies with challenging exposures or loss sensitive general liability program structures, for example harder to place product and/or premises exposures that present a high severity/low frequency claim potential.

Benefits:

  • Available for qualified risks on an admitted basis in all 50 states
    Experienced and responsive regionally deployed underwriting specialists with underwriting authority and flexibility for responsive tailored programs
  • Dedicated claims expertise
  • Risk control services provided by ESIS®

Coverage:

Flexible product array includes:

  • Primary general liability
  • Primary commercial automobile
  • Lead umbrella
  • General liability buffer excess layers
  • Auto liability buffer excess layers
  • Auto liability and general liability available on a stand alone or combined coverage basis

Coverages

Primary General Liability

  • For qualified risks on an admitted basis in all 50 states and D.C.
  • Non-admitted coverage available for insureds with unique risks
  • Occurrence or claims made basis
  • ISO policy forms
  • Environmental impairment coverage available, including sudden and accidental BI/PD (Named Peril and Time Element) and options to include remediation and expense coverage
  • Claims handling within self insured retention can be provided by ACE claim handling affiliate, ESIS, Inc., another acceptable TPA, or self administered, subject to policy provisions.
  • Deductible policies quoted utilizing ACE USA claim handling
  • Zero collateral required for deductible policies for qualified insureds
  • Catastrophe Management Coverage extension with sub-limit of $250,000 for select risks

Primary Commercial Automobile

  • Admitted basis via use of ISO 2001 policy form
  • Liability and physical damage coverage available
  • Hired and non-owned coverage only available
  • Low minimum premium available to facilitate primary general liability placements

Lead Umbrella

  • Coverage written on ACE Umbrella PlusSM policy form
  • Coverage available for qualified risks on admitted basis in all 50 states
  • Schedule of underlying insurance can include employers liability coverage provided by a non-ACE policy, subject to a minimum insurer financial rating of A- VI by A.M. Best
  • Catastrophe Management Coverage extension with sub-limit of $250,000 on all risks

Buffer Excess General Liability, Auto Liability and Employers Liability  

  • For qualified risks on admitted basis in all 50 states and D.C.
  • Auto liability or general liability on stand alone or combined coverage basis

Minimums & Limits

Minimums

  • Minimum premium:
    • $5,000 primary commercial automobile
    • $25,000 lead umbrella
    • $50,000 primary general liability
    • $100,000 buffer excess general liability or auto liability
  • Minimum attachment points:
    • Primary general liability:  $25,000 self insured retention or $10,000 deductible
    • Primary commercial automobile: first dollar/guaranteed cost
    • Lead umbrella: $1 million general liability and primary auto; $500,000 employers' liability
    • Buffer excess general liability and auto liability:  $1 million in total underlying insurance

Limits

  • Primary general liability: Limits up to $2 million occurrence/$4 million aggregate with higher limits available upon request
  • Primary commercial automobile:  $1 million combined single limit
  • Lead umbrella: $10 million occurrence / $10 million aggregate with higher limits available to $25 million for select risks
  • Buffer excess general liability, auto liability and employers liability:  Limits up to $5 million occurrence/$5 million aggregate

Target Client

Target Clients:

  • U.S.-based companies of all revenue sizes, including:
    • Product manufacturers of all types, from light to heavy industrial (incidental installation exposures acceptable)
    • Premises and service/operational risks with high claim severity exposure
    • Transportation and trucking (buffer excess only)
    • Insureds with historically limited options in standard market
    • Insureds with unique attributes that require underwriting, coverage and pricing flexibility (admitted and non-admitted coverage available)
    • Insureds with a variety of dissimilar operations and compressed time schedules (Private Equity Groups)

Restricted Industries:

  • Pharmaceutical, nutraceutical or herbal supplement manufacturers
  • Critical aircraft or auto parts manufacturers and complete vehicle manufacturers
  • Nursing home, hospital or social service owners and operators
  • Invasive medical products manufacturers (defined as implanted in the body for more than 15 days)
  • Tobacco products manufacturer
  • Lead umbrella coverage is written only in companion to Custom Casualty primary general liability placements
  • Primary commercial automobile coverage is written only in companion to Custom Casualty primary general liability placements
    • Trucking/transportation risks are not accepted
    • Fleet composition must be below 200 total units and less than 30 percent classified as Heavy, Extra Heavy or Truck Tractor