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Public Entity

ACE USA specializes in underwriting multiple lines of coverage for Public Entity individual risks and pools. We define public entity as political subdivisions, agencies and authorities, public and private schools (K-12) and colleges.

Benefits:

  • Dedicated and experienced public entity underwriters
  • Seamless program and coverage
  • Specialized public entity claims and loss prevention expertise, complementing self-administration or third party administration
  • Flexible program design and collaborative servicing capabilities
  • Financial Strength: The ACE Group consistently receives among the highest ratings for financial strength from the industry's principal rating agencies (S&P AA, A.M. Best A++)

Coverage:

  • Potential Companion Coverage (various limits and attachments)
  • Combined Liability/Professional Liability Retained Limit and Follow Form Excess Coverages (various limits):

    • General Liability, including Law Enforcement Liability
    • Automobile Liability
    • Public Officials Liability or School Board Liability, including Employment Practices Liability
    • Employee Benefits Liability
    • Miscellaneous Professional Liability
  • Potential Companion Coverage (various limits and attachments)
    • Accident & Health, including Student Accident
    • Aerospace (Aviation)
    • Builders' Risk, Bridges and Tunnels
    • Construction
    • Environmental Liability
    • Excess Workers Compensation
    • International Advantage® Package
    • Kidnap & Ransom, including Child Abduction
    • Privacy and Network Security Liability
    • Property

Minimums & Limits

  • Normal capacity offering of $5 million to $10 million
  • Capacity up to $20 million available
  • Prefer first layer excess of self-insured retention (above normal loss expectancy)

Target Client

Individual Risk

  • Cities or towns with populations of 35,000 or more
  • Counties with populations of 100,000 or more
  • Formalized risk management program
  • School districts with an average daily attendance of 7,500 or more
  • Special districts

Pool Risk

  • Clear pool operational strategy
  • Risk sharing/risk retaining
  • Selective member acceptance and pricing criteria
  • Strong claims and loss prevention services