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ACE

Excess & Surplus Lines

Umbrella-Excess Coverage

Umbrella coverage written on ISO umbrella form

Advantages:

  • Strong financials to protect your clients liability exposures
  • Professional claims team
  • Superior underwriting talent
  • Superior customer service
  • Member of the global network of ACE Group of Companies

Coverage:

  • 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

Minimums

  • $25,000 annual policy premium; may go lower by exception
  • $2,000 per million

Limits

Capacity = $25 million occurrence/aggregate

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
  • 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 
  • OCIP/Project Specific – Residential (commercial grade construction condominium construction – no frame) $10 million limit
  • Apartment/Condominium Construction in western states (see list below); refer to our San Francisco office.
    • Arizona
    • California
    • Texas
    • Colorado
    • Hawaii
    • Nevada
    • Oregon
    • Utah
    • Washington

Client Profile

Our typical clients include:

  • 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

Forms / Applications

We use both ISO and proprietary forms.

ACE Westchester will accept ACORD, ISO and other company applications as a risk submission.  Depending upon the complexity of the risk or specific coverage issues, additional information may be required.

You must have a contract with ACE Westchester to submit an application. Please send submissions to:

Atlanta: wsgatl.casualty@acegroup.com
Chicago:  wsgchi.casualty@acegroup.com
New York:  wsgny.casualty@acegroup.com
Philadelphia:  wsgcasualty.phil@acegroup.com
San Francisco:  wsgsf.casualty@acegroup.com