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Excess Casualty Insurance for Hospitality, Restaurant and Real Estate Businesses

ACE Excess Casualty offers enhanced coverage options for hospitality and real estate clients in the form of robust, easy to use endorsements for ACE Umbrella policies. We have the underwriting, claim management and loss control specialists to provide tailored solutions for these specialized industry segments.

Benefits:

  • Industry leading terms and conditions tailored to real estate and hospitality clients
  • Admitted coverage
  • Underwriting specialists deployed throughout the U.S.
  • Claims management expertise in real estate and hospitality risks
  • Long term claims-paying capability, supported by a strong balance sheet
  • ACE's long-standing commitment to provide the highest level of service

Coverages

Specialty coverage extensions for hotel operations and restaurants (with less than 30% liquor receipts), including:

  • Broad Form Named Insured
  • Products-Completed Operations Coverage for Restaurant Operations
  • Liquor Liability Coverage
  • Limited Fungi/Bacteria Exclusion – Exceptions for Food and Certain Properties   
  • Third Party Discrimination Coverage
  • Garage Keepers Legal Liability Coverage
  • Notice of Occurrence
  • Unintentional Failure to Disclose
  • Cancellation Amendatory Endorsement
  • Non-Owned Watercraft Extension
  • Incidental Medical Malpractice
  • Pollution – Combination Exception Time Element and Named Peril
  • Catastrophe Management Coverage with Food Laboratory Testing - $25,000 Sublimit

Specialty coverage extensions for commercial building owners, investors and managers, including:

  • Broad Form Named Insured
  • Third Party Discrimination Coverage
  • Garage Keepers Legal Liability Coverage
  • Products-Completed Operations Coverage for Restaurant Operations
  • Construction (Means and Methods) Professional Services
  • Liquor Liability Coverage
  • Limited Fungi/Bacteria Exclusion – Exceptions for Food and Certain Properties   
  • Unintentional Failure to Disclose
  • Notice of Occurrence
  • Cancellation Amendatory Endorsement
  • Non-Owned Watercraft Extension
  • Incidental Medical Malpractice
  • Pollution – Combination Exception Time Element and Named Peril
  • Catastrophe Management Coverage with Food Laboratory Testing - $25,000 Sublimit

Minimums & Limits

Annual minimum premium starting at $10,000 per policy or $750 per $1 million of limits

Target Client

Hospitality and Restaurant Segments

  • Hotel operations and restaurants (with less than 30% liquor receipts)
  • Casual to fine dining restaurants

Real Estate Segments

  • Commercial building owners, investors and managers