ACE USA is our retail broker-distributed business serving North America with an extensive portfolio of traditional and specialty property and casualty insurance products. Headquartered in Philadelphia, ACE USA has a strong corporate customer franchise with both Fortune 1000 corporations and growing middle-market companies.

ACE International is our retail broker-distributed business serving territories outside the U.S. and Canada, offering both commercial property and casualty insurance and personal accident lines. This franchise gives ACE a presence in all of the major developed markets as well as the fastest-growing economies in the world. ACE International and ACE USA are the successor franchises to the Insurance Company of North America, or INA – one of America’s earliest insurance companies, dating back to 1792.

ACE Westchester is our Atlanta-based wholesale broker-distributed business specializing in excess and surplus lines in North America. The storied Westchester Fire Insurance Company was founded in 1837 and acquired by ACE in 1998.

ACE Global Markets is a leading wholesale broker-distributed business that operates in the greater London market while also maintaining an established syndicate on the Lloyd’s trading floor.

ACE Bermuda is our original insurance franchise dating back to 1985. This market leader writes high-limit excess liability, property, political risk, and directors and officers insurance worldwide, including the standard-setting Corporate Officers & Directors Assurance program (CODA).

ACE Tempest Re is our global reinsurance brand, with operations in both property and casualty and life reinsurance. The ACE Tempest Re Group has offices in Bermuda, London, Montreal, Stamford and Zurich, and maintains an underwriting presence at Lloyd’s China Re in Shanghai.

ACE Life is our international life insurance franchise, which distributes individual and group life and savings products through its own agents and telemarketing centers, banks, brokers and a variety of sponsors. This business operates predominantly in the developing markets of Asia, Latin America, the Middle East, and Eastern and Central Europe.

ACE Private Risk Services is our personal lines business serving high net worth individuals and families in North America. Its coverages – which include homeowners, automobile, valuables, umbrella, and recreational marine insurance – are distributed through independent agents. ACE Private Risk Services was established in 2008 through the acquisition of the personal lines business of the Atlantic Companies.

Combined Insurance provides specialty individual accident and supplemental health insurance coverage to middle-income consumers in North America, Europe, Asia Pacific and Latin America through a dedicated agency sales force. Founded in 1919 and headquartered in Glenview, Illinois, the company was acquired by ACE in 2008.