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ACE Progress ReportsSM

Critical research on current and emerging risk management issues

Builders' Risk: Water Damage or Flood?
November 2015



Water can be highly destructive to a construction project, where a slow leak can be just as damaging as a sudden flood; ACE’s new paper, Builders’ Risk: Water Damage or Flood?, explores water damage coverage and outlines steps builders and contractors can take to proactively address this risk.

ACE Special Report: A Decade of Construction Insurance Program Success
October 2015


While the nation’s capital presents a polished, modern image, it still faces the same daunting infrastructure problems as many older East Coast cities. As a result, the District of Columbia Water and Sewer Authority has been engaged in an ambitious, multi-billion-dollar capital programs to bring the systems up to date. This ACE Special Report discusses the effective implementation of a rolling owner-controlled insurance program (ROCIP) supporting a ten year program designed to minimize insurance and claims management costs.

ACE 4D: Power of Predictive Analytics
September 2015

Predictive data analytics is coming out of the shadows to change the course of claims management. A new approach, ACE 4D, provides the tools and expertise to capture and analyze claims data to identify opportunitites for informed actions that result in solutions that ACE provides its clients.

Restaurants: A Proactive Strategy for Managing Evolving Risks
July 2015

A restaurant’s success depends on its reputation. That reputation, however, involves more than good food, attentive service and a welcoming ambiance. This ACE advisory examines a wide spectrum of liability risks, which could jeopardize a restaurant’s reputation and discusses how a proactive risk management strategy, including the appropriate insurance coverage, can help mitigate those exposures.

Managing Risk in Human Clinical Trials
July 2015

Maximum care in clinical trials can be a matter of life and death -- not only for the test subject, but also for the company that developed the drug or device being tested. Claims arising out of incidents, acts or omissions occurring during the course of a clinical trial are on the rise.  This paper highlights steps that can be taken that will manage the risk and benefit all parties.

Driving Change: Public-Private Partnerships A New Model for Infrastructure Projects Brings New Risks for Contractors
June 2015

Use of Public-Private Partnerships (P3s) has started to gain ground in the U.S., and many contractors are encountering these partnerships for the first time. This ACE advisory examines the exposures and complex insurance issues U.S. contractors may face as they engage in infrastructure projects financed through P3s.

The Evolving Threat of Antitrust Litigation in Health Care
April 2015

This paper analyzes the recent growth in health care industry transactions and the corresponding rise in antitrust regulation and government enforcement. It also outlines key due diligence practices that health care market participants should implement to proactively address this risk and, ultimately, to avoid costly consequences.

Disaster Response: Managing the Environmental Risks
April 2015

Responding to environmental disasters of varying magnitudes carries many challenges and potential costs. Preparedness and timing are critical to a successful response and businesses that develop and put in place a proactive, pre-tested disaster plan have the best chance of getting their operations back up and running as quickly and safely as possible.

Critical Risks Facing the Healthcare Industry
April 2015

The healthcare industry routinely faces daily challenges and complex demands as they strive to provide the best quality care to patients. In recent years, the risks for this industry have increased with greater pressure coming from cyber hacks or data security breaches and new regulatory requirements, such as those under the Affordable Care Act. This ACE Advisory examines critical issues facing healthcare organizations and offers the actionable recommendation of implementing a risk management program to mitigate those risks.

Managing Workforce Medical Care for Remote and Cross-Country Projects
March 2015

A crucial part of managing any construction project is keeping workers safe and making sure that they have access to timely and effective medical treatment in case of an accident. This becomes a greater challenge when the project is in a remote or sparsely populated location or when the project moves across electrical distribution lines, highways, and pipelines. This ESIS paper examines these issues and offers construction companies recommendations that can help them be better prepared for dealing with workplace injuries.

Premises Pollution Liability Coverage: Essential Protection Operational Risks Day-to-Day Environmental Risks A Growing Concern
March 2015

Environmental concerns form an integral part of daily life and business today. ACE has put together this report to provide a state of the market update on the evolving nature of environmental liabilities for businesses. Focusing on recent environmental trends, market conditions, specific industry sector risks, and the changing regulatory climate of pollution risks, the report provides essential recommendations on how companies both in the United States and abroad can best protect themselves against a new and wider range of pollution exposures and changing regulatory requirements.

Meeting the Challenges of Environmental Risks in International Construction
March 2015

The U.S. construction industry is taking on a more international flavor as more domestic contractors bid, and win, projects abroad. This ACE advisory examines the environmental risks facing U.S. contractors pursuing international construction projects and addresses the importance of contractor’s assessment and adherence to environmental regulations and insurance coverage obligations in the international countries in which they operate.

Sweeping Healthcare Changes Renew Focus on Environmental Risks of Construction
February 2015

Hospitals and other healthcare providers are building new, state-of-the-art facilities and renovating existing facilities at a record pace. However, healthcare organizations face potential environmental risks during construction and renovation projects. ACE's new advisory details ways to help address these critical exposures and minimize the risk of pollution incidents.

ESIS HSE Advisory: The Shock of Electrical Risks
December 2014
  Ensuring electrical safety can be as simple as turning off electrical installations and equipment before beginning work. If power cannot be shut off, then personal protective equipment and other risk mitigation measures are necessary. These two steps encapsulate the overarching message of the National Fire Protection Agency: (NFPA) 70E Standard for Electrical Safety in the Workplace. These detailed recommendations form the core of Occupational Safety and Health Administration’s (OSHA) regulations.

Hospitality Risks: Keeping Pace with Emerging Exposures
December 2014

The hospitality industry faces a unique set of risk management challenges as it strives to provide the services and amenities that guests demand for their travels and vacations. This report discusses how hospitality companies can ensure their risk management strategy keep pace with evolving challenges in addition to securing the appropriate primary and excess insurance coverage.

Structuring Multinational Insurance Programs: Challenging The Assumptions of Certainty Behind Cross-Border Excess Insurance
December 2014

Structuring Multinational Insurance Programs: Challenging The Assumptions of Certainty Behind Cross-Border Excess Insurance Compliant multinational programs should consider the role and interplay of excess insurance – either for traditional property or casualty exposures or more specialist D&O, environmental, clinical trials and other risks – needing careful attention.  This report explores the significant role of excess insurance when designing a compliant multinational program.
ACE-Advisen Construction Workplace Survey: Responding to Changing Demographics
November 2014

Advisen and ACE conducted a survey to better understand the issues facing the construction industry as a consequence of a changing workforce and to understand how companies are responding to the resulting challenges.  The findings can help construction companies identify and understand their own risks, and benchmark their safety and training initiatives against their peers.
ESIS HSE Advisory: Occupational Disease Investigation: Food and Consumer Good Flavorings
November 2014
  New chemical compounds are emerging in the workplace, some of which present potential occupational disease exposure issues. Even before causation between compounds and health issues is proven, employers could face employee complaints, concerns and even workers compensation claims.
ESIS Advisory. Breaking the Code to the Sustainable Electronics Supply Chain
October 2014
  Some of the world’s leading electronics companies are transforming their global supply chains. Through the Electronic Industry Citizenship Coalition (EICC) Code of Conduct they are working together to improve efficiency and social, ethical, and environmental responsibility.
Storage Tanks:  Overcoming the New Regulatory and Financial Hurdles
September 2014
  Businesses that use underground petroleum storage tanks face a number of new challenges. This report discusses specific state and federal regulatory changes and financial responsibility requirements.  Additionally, it presents underground storage tank business owners and operators with strategies to better manage day-to-day exposures and ensure the appropriate insurance coverage is in place.
Managing Real Estate Liability Risk in a Changed Market
July 2014
Real Estate Advisory The U.S. commercial real estate market continues to face a range of risk management challenges as a result of shifts in the financial market. As the market returns to more normal conditions, risk management considerations that had been put aside are now again coming to the forefront. This report examines how companies can mitigate exposures by reinforcing their risk management efforts, developing strategies to address both immediate and emerging exposures and reviewing primary and excess coverage.
Global Construction: International Opportunities, Local Risk- Building a Multinational Insurance Program for Contractors
May 2014
  In today’s global marketplace, construction companies are looking to expand operations in various countries worldwide. Securing the right insurance coverage across multiple borders can play a crucial role in the overall success of global projects. This report explores the expansion of global construction and the importance of adhering to local regulatory requirements through a focused approach of proper loss controls and the implementation of a well-structured global insurance program.
Environmental Liability: How to Structure a Multinational Insurance Program?
April 2014
 Environmental Liability White Paper In recent years, the legal frameworks for environmental protection have been strengthened in many countries, including the US, EU, Australia, China, India and Brazil. This new report by ACE and Clyde & Co analyses the liability implications of these changes for multinational companies and provides a checklist of questions that they should ask when developing a multinational environmental impairment insurance program.
Managing the Growing Risk of False Claims Act Liabilities
April 2014
  ACE’s new advisory details the unprecedented increase in liability risk as government agencies aggressively use the False Claims Act (FCA) to enforce the complex regulations governing insurance programs, and emphasizes the need for health care organizations to take proactive steps to address this evolving exposure.
Cloud Computing: Is Your Company Weighing Both Benefits & Risks?
April 2014
  Cloud computing is a landscape altering technology that is enjoying increasing rates of adoption — often implemented, however, without taking sufficient risk management precautions. Recognizing the widespread use of cloud computing has both significant benefits and risks, ACE’s new white paper identifies the key business benefits of cloud computing and explores ways to proactively mitigate potential risks.
Capturing Consistency and Control: Five Strategies to Improve Multinational Business Travel Accident Risk Management
April 2014
 International Employers' Liability Trends Affecting the Manufacturing Sector ACE’s market report explores the complex subject of multinational accident insurance programs, identifies the primary issues risk managers encounter when placing these programs, and presents five key strategies to consider when evaluating present day Accident & Health insurance plans.

ESIS.  Building An Effective Strategy For Managing Construction Risk
April 2014

 ESIS Building An Effective Strategy For Managing Construction Risk Even the most safety-conscious company may experience accidents, so it is crucial to have the resources to effectively handle claims, help workers recover, and avoid future accidents. A comprehensive risk management strategy starts with a dedication to continually improve safety but should extend through the entire claims process, and include loss trends and analysis to identify areas for improvement and drive cost savings.

ESIS Advisory. Energy Exploration & Production: Transportation Risk
April 2014

 Esis Advisory. Energy Exploration & Production: Transportation Risk This paper addresses transportation risk trends emerging in the upstream oil and gas exploration and production business and delves into some of the root causes and related risks. We also explore best practices and steps that producers and oilfield service providers can apply to protect their employees, stakeholders and the communities in which they work.
Product Recall Insurance – Five Reasons Why Companies Should Strongly Consider Its Purchase
April 2014
 International Employers' Liability Trends Affecting the Manufacturing Sector Product recall insurance is one of the most important insurance policies that should be purchased by companies who put products into the global stream of commerce. While most large organizations purchase the insurance, many other businesses do not.
International Employers' Liability Trends Affecting the Manufacturing Sector
January 2014
 International Employers' Liability Trends Affecting the Manufacturing Sector This advisory examines the rising cost and major expense of employers' liability insurance for U.S.-based manufacturing companies operating outside of the United States.  The advisory discusses issues surrounding the management of employers' liability expenses and the importance of adhering to local regulatory requirements through a focused approach of proper loss controls and the implementation of a well-structured global insurance program.
New ACE Environmental Advisory Discusses Contractor Compliance with
OSHA’s New Hazard Communications Standard

November 2013
This advisory discusses the challenges facing contractors as they work to understand and comply with OSHA’s revised Hazard Communications (HazCom) Standard. The Standard has been updated to more effectively classify hazardous chemicals and products, and to communicate the associated dangers using standardized label elements and safety data sheets. In accordance with the HazCom Standard, contractors must comply with new training requirements by December 1, 2013.
Environmental Risks Related to Healthcare Construction Projects
November 2013
The advisory discusses the potential risks and considerations healthcare organizations should identify during new construction or renovation projects. The advisory also examines opportunities to help mitigate the risks of potential pollutant exposures and describes how healthcare organizations can meet higher standards of care and take a proactive approach to risk management to help minimize the potentially harmful effects of pollutants during construction.
Building a Successful Construction Wrap-up Program
November 2013
This new report discusses developing a comprehensive strategy to manage the associated risks of a particular construction project while also helping to reduce costs related to those risks and exposures, including the cost of insurance. Additionally, the report emphasizes that communication and coordination among all parties involved in a wrap-up program, from the sponsor to the broker and insurer, is a key component to ensuring the same goal-- a successful project.
ACE-Advisen: Construction Safety in a Recovering Market Survey Results
November 2013
This paper details robust safety programs in the construction industry and how they translate into substantial financial rewards for general contractors and subcontractors in the form of lower workers compensation costs, fewer project delays and competitive advantages.  Originally presented at IRMI on November 18th.
Innovations in Flood Insurance Protection
November 2013
This paper explores innovations in flood insurance protection brought to market since Superstorm Sandy made landfall in October, 2012. This includes the introduction of flood reinstatement coverage, which provides excess of loss insurance above the remaining limits of protection in the underlying property insurance policy.
New ACE Advisory Examines the Increased Management Liability Risks for the Health Care Industry
September 2013
This paper details recent regulatory changes and emphasizes the importance of having a state-of-the-art management liability insurance program in place to protect health care organizations from these potential threats.
New ACE White Paper Discusses New Regulations Impacting Fleet Safety
July 2013
Fleet safety has often been a source of serious concern within the trucking industry, but it has now evolved into one of the industry’s most critical issues as it seeks to comply with a tough new federal program aimed at reducing crashes and improving safety records.
M&A Risk Management: Global Environmental Liability
July 2013
This paper discusses M&A global environmental liability trends in the context of the exposures they create as well as ways to effectively manage and transfer these risks.
Protecting Against Environmental Risks in the Global Marketplace
April 2013
The global economy has opened up new markets and new opportunities for businesses around the world. At the same time, countries around the world are putting an increased focus on protecting the environment. Businesses that are prepared to meet expanding environmental challenges are most likely to succeed in the new global marketplace.
Building a Proactive Safety Culture in the Construction Industry
April 2013
In a high-hazard industry like construction, safety is an investment that provides real benefits. A safe work environment helps to keep skilled employees on the job and projects on track by reducing accidents that result in injuries and schedule delays, while also reducing the risks of litigation and regulatory action. A strong safety record enhances a company’s reputation, makes it more competitive and helps to manage insurance costs over time.
M&A Risk Management: Collateral Liabilities and Solutions
March 2013
This paper discusses how to address collateral responsibilities from an efficient risk transfer standpoint and highlights factors potential purchasers may need to address.
Structuring Multinational Insurance Programs: Cross-Border Challenges and Solutions for the Marine Market
February 2013
This report sets out the general principles that need to be considered when developing a multinational program and to which extent they apply to the specialized context of marine insurance, Contractors All Risk (CAR) and Erection All Risk (EAR).