Commercial Umbrella Liability Insurance for U.S. Middle Market

ACE Umbrella/Excess is designed to provide U.S. mid-sized to large corporations with competitive excess casualty alternatives, coupled with consistent, timely service and expert claims handling.

Benefits:

• ACE financial stability (rated AA by Standard & Poor’s and A++ by A.M. Best)
• Broad appetite for risk with over 400 industry classes included in our portfolio
• Competitive pricing on lower hazard risks, based on a differentiated rating model and low minimum premiums
• Experienced, regionally located middle market umbrella underwriters with high levels of authority and the flexibility to provide industry leading responsiveness and tailored coverage options
• Consistent underwriting and pricing throughout market cycles
• Industry leading terms for lead umbrella and excess policies
• Specialized claims expertise 

Coverage:

Lead or Excess Capacity:

• ACE AB Umbrella PLUS^SM Form – Commercial Excess and Umbrella Liability Coverage Plus Catastrophe Management and Key Executive Personal Liability* Coverages
• Umbrella or Follow Form Excess coverage layers within the first $100 million of the tower
• Flexibility in scheduling different types of underlying policies (Examples include Foreign Liability, Liquor Legal Liability, Garage Keepers, Personal Umbrella)

*Not available in Texas

Additional Coverage Benefits:

• Cyber Events Coverage Endorsement  – $25k annual limits for “cyber events costs”
• ACE Express^SM Umbrella  – Our proprietary web-based platform for appointed brokers to directly quote, bind and issue policies 24 hours a day, 7 days a week for over 400 classes of business
• ACE Excess Casualty Specialty Suite^SM  – endorsements for the Hospitality, Restaurant and Real Estate Industries
• Worldwide Umbrella and Excess Insurance products, including Foreign Indemnification coverage, designed to address global operations exposures, and the ability to coordinate issuance of foreign locally admitted policies.
• Catastrophe Management  coverage, with annual limits up to $250,000 on all policies, that provides advance funding directly to third-parties for managing threats to an insured’s reputation and other expenses directly related to catastrophic events likely to be covered under the insured’s AB Umbrella PLUS^SM Policy.