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ACE ExpressSM Umbrella

ACE ExpressSM Umbrella provides umbrella insurance through a proprietary web-based platform designed for use by appointed brokers to reserve, quote, bind and issue business, 24 hours a day, 7 days a week for over 400 classes of business. In addition, the ACE ExpressSM Umbrella online tool is well suited for the development of homogeneous books of business and unique broker specialties. Ask your regional ACE Excess Casualty underwriter about adding your specialty to the suite of industries already available.

Benefits:

  • Multiple quote options with incremental limits and commission
  • Admitted coverage (all states except Alaska, Louisiana and Vermont), even if one or more underlying policies are non-admitted
  • For submissions requiring underwriter review, dedicated experienced referral underwriters with authority to quote an additional 500 classes of business
  • Rapid referral response ( 24 hours voice/email response, 48 hours for referrals,  30 days for endorsement processing)
  • Agency Bill or Direct Bill options available at binding
  • Schedule of underlying for flexible entry of underlying policies
  • Streamlined loss information requirements (only  large losses and significant aggregate years)
  • Ability to accept or reject Terrorism – TRIA (TRIPRA) coverage upon binding

Coverage:

  • ACE Catastrophe Management Insurance provided on all policies

Minimums & Limits

  • Minimum premium $500 per million (excluding Terrorism - TRIA (TRIPRA).  Different minimums may apply to specialty classes
  • Limits: $10 million available with up to $25 million available by referral to an ACE Excess underwriter
  • AM Best A-VI minimum rating for underlying insurers
  • Minimum Attachment Points
    • General liability (including Foreign on a DIC/DIL basis): $1 million Per Occurrence/$2 million General Aggregate/$1 million Products-Completed Operations Aggregate
    • Employee Benefits Liability:  $1million Each Occurrence/$1m General Aggregate
    • Auto liability:  $1 million CSL
    • Employers liability:  $500,000
    • Liquor Liability:  $1 million Each Common Cause or Each Occurrence/$1 million General Aggregate

Target Client

All Standard Classes of Business, including:

  • Bowling Centers
  • Commercial and Habitational Real Estate
  • Financial Institutions
  • Golf Courses
  • Hotels/Motels
  • Manufacturing (Low to Medium Hazard)
  • Restaurants
  • Retail Trade
  • Wholesale Trade
  • Service Industry

Specialty Classes of Business include:

  • Homogenous classes of business
  • Real Estate Portfolios
  • Restaurants

Restricted Classes & Industries

  • Aviation products
  • Contractors
  • Energy (including fuel oil dealers)
  • Healthcare
  • Trucking and Transportation
  • Pharmaceuticals & Nutriceuticals
  • Professional liability
  • Nursing Homes/HPL

Product Fact Sheets

ACE EXPRESS Small Umbrella