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Commercial Umbrella Liability Insurance for Utilities

ACE Utility Plus insurance provides a comprehensive solution for the utility industry, including lead umbrella and excess liability coverage, in conjunction with environmental and professional liability insurance.

Benefits:

  • ACE understands the unique risk challenges of the utility sector and takes a unique approach to solution development

Coverage:

  • Claims Made, Occurrence or Occurrence Reported coverage
  • Coverage extensions include: 
    • Community Service Activity 
    • Emergency Assistance Agreement 
    • Failure to Supply (Property Damage or Capacity Trigger)
    • Standards Boards Activity 
    • SiteSure® Pollution in partnership with Environmental 
    • D&O, EPLI and E&O underwritten by ACE Professional Liability

Minimums & Limits

Minimums

  • Minimum premium: $50,000 
  • Minimum underlying: $1 million per occurrence for general liability, automobile liability and employers liability primary insurance or self-insured retention

Limits

  • Up to $25 million per occurrence/aggregate
  • Up to $15 million per occurrence/aggregate in Wildfire areas 
  • Attachment point: within the first $100 million excess of primary insurance or self-insured retention

Target Client

Utilities

  • Electric, gas and water utilities
  • Regulated unregulated entities

Oil & Gas 

  • Contractors
  • Exploration and production 
  • Exploration and production services 
  • Pipelines and midstream 
  • Products and distribution