ACE USA’s distribution channels include brokers (wholesale and retail), agents, managing general agents and managing general underwriters.

ACE USA is organized into the following business units, each offering highly specialized products and services targeted at specific niche markets:

ACE Accident & Health
ACE Casualty Risk
ACE Global Underwriting Group
ACE Medical Risk
ACE Professional Risk
ACE Risk Management
ESIS, Inc.

ACE Accident & Health
Committed to offering products and services designed to meet the needs of clients in specialty markets, ACE Accident & Health provides a range of accident and other supplemental insurance programs built for customer value and convenience. We are experts in customizing corporate plans for multinational organizations. We can combine travel accident coverage with much needed global medical and war risk benefits as well as valuable travel assistance and family counseling services available worldwide on a 24-hour basis under a single master policy.

Key Products

• A&H Global Risk Solutions: Worldwide travel accident and global medical programs including war risk, political evacuation and travel assistances benefits and services for multinational companies and U.S. corporations of all sizes.
• Employee Benefit Plans: Basic and voluntary AD&D plans for employer groups; limited medical insurance including packaged or stand-alone vision, prescription drug and dental plans for employers seeking to limit healthcare costs or to make these benefits available to employees not typically eligible for healthcare benefits.
• Occupational Accident Insurance: High-limit accident benefits for job-related injuries designed to help provide employers with financial protection in the event of catastrophic loss.
• Special Risk Products: Student accident and participant accident plans for schools and other group sponsored activities or special events including international travel programs for sponsors of cultural and educational exchange programs.
• Direct Market Programs: Disaster recovery programs designed to fill gaps in traditional homeowner’s coverage by providing displacement benefits, emergency cash and emergency medical benefits, and other event based or transaction based benefits for customers of financial institutions.
• Enhancement Programs: Benefits designed to increase group affinity and brand loyalty through sponsor-paid products including identity theft, rental car collision damage waiver, extended warranty, trip travel and purchase protection benefits.
• Managed Care Products: Excess loss insurance including medical stop-loss, provider stop-loss, and HMO reinsurance programs.

For additional information, please visit www.aceaccidentandhealth.com.
 
Back to top

ACE Casualty Risk
ACE Casualty Risk provides specialty casualty products to a diverse range of customers, ranging from small local businesses to large multinationals.  ACE Casualty Risk has dedicated units that specialize in general liability coverage, lead umbrella and excess liability products, workers compensation and environmental policies as well as dedicated construction and public entity units.  Coverage is written on an admitted and non-admitted basis and is tailored to meet the unique needs of our insureds.

Key Products

• Construction: General liability, workers compensation and automobile coverage for contractors and wrap-ups. Coverage is written on a loss sensitive basis.
• Custom Casualty: General liability, automobile, buffer automobile, buffer general liability and general liability/pollution coverage for specialized industry segments and tough to place risks.
• Environmental Risk: Storage tank coverage, premises pollution liability, contractors pollution liability, and remediation cost containment coverage. Select coverage is available via the web.
• Excess Casualty: Umbrella and excess liability coverage for a wide array of customers. We also offer specialized industry solutions for the construction and energy industries.
• Public Entity: General liability, automobile, miscellaneous professional, employment practices liability, and public officials errors & omissions for political subdivisions (cities, counties and states), educational institutions (K through 12) and special districts and authorities. Coverage is provided to pools and individual risks.
• Workers Compensation: Guaranteed cost workers compensation coverage for the small to mid-size company. Coverage is also available via the web on a select basis.

Back to top

ACE Global Underwriting Group
ACE USA's global property unit and foreign casualty group, along with other specialty products, provides comprehensive risk management programs and services for a diverse market of mid- to large-size U.S.-based companies, not-for-profit and government entities.

Key Products

• Global Property
  • Commercial Property: Primary, excess and controlled master programs
  • Captive Cash Flow: Captive and sophisticated cash flow programs on a worldwide basis
  • Property Engineering: Full range of fee-for-service engineering for risk management
• Corporate Risk Property
  • Primary coverage for a broad range of industry classes. Accounts typically have revenues less than $1 billion.
  • ACE claims service, global unbundled engineering and international coverage
  • Minimum deductible of $10,000
  • Individual account submission and underwriting
  • Can be packaged with other ACE products: Digital DNA,® Fidelity, Marine Cargo
• Inland Marine
  • Builders Risk
  • Engineered Risks
  • Warehousemen’s Legal Liability
  • Motor Truck Cargo
• Foreign Casualty
  • Controlled master programs: Auto, EL/GL and WC
  • Cash Flow: Retro, high deductibles and captive programs
  • International Advantage®: Commercial package for small to medium sized companies that export or have service international locations
  • Defense Base Act (DBA) workers compensation: Coverage for prime contractors and subcontractors performing work overseas under contracts authorized, approved or financed by the U.S. government or its agencies
• Commercial Marine
  • Cargo insurance and risk control services
  • Hull and P&I
  • Marine liability programs
  • Marine Facilities
• Aerospace
  • Airports liability
  • Aircraft hull and liability
  • Satellites
• Recreational Marine Insurance
  • Yachts  / Mega Yachts
  • Boats
  • Marine Facilities
• Energy
  • Starr Tech (MGA), which provides insurance for clients in the oil & gas, petrochemical, chemical, and power generation industries

Back to top

ACE Medical Risk
ACE Medical Risk offers a wide range of liability products for the healthcare industry. Our team of experienced underwriters understands the current state of the marketplace and the unique challenges facing the healthcare industry. We pride ourselves on developing the appropriate solution to address both traditional and unique risks.

Key Products

• Primary medical professional and general liability for medical facilities: for hospitals, healthcare systems, miscellaneous medical facilities and long term care facilities
• Excess/umbrella liability for medical facilities: hospitals, healthcare systems, miscellaneous medical facilities and long term care facilities
• Primary and excess errors and omissions coverage: for managed care organizations
• Primary and excess products liability: for biotechnology and specialty pharmaceutical companies, non-implantable medical device manufacturers and distributors, contract research organizations and site management organizations 
• Professional liability: for contract research organizations and site management organizations
• Primary and excess products liability and package: for human clinical trials
• Package: for long-term care facilities

Back to top

ACE Professional Risk
Our experienced and dedicated underwriters continually seek innovative ways to meet the demand for management liability, professional liability and surety products. At ACE Professional Risk, we design our products to successfully meet the unique needs of our insureds.

Key Products

• Management Liability
  • ACE Advantage® Global D&O Protection
  • Directors & Officers Liability for Public, Private and Not-for-profit Companies
  • CODA Side A Directors & Officers Liability
  • Fiduciary Liability
  • Employment Practices Liability
  • Fidelity & Crime
  • General Partnership Liability
• Professional Liability
  • Miscellaneous Professional Liability
  • Architects & Engineers Liability
  • Educators & Public Officials Liability
  • Financial Institutions Professional Liability
  • ACE DigiTech^SM (Technology Liability)
  • ACE Privacy Protection^SM (Third-party Privacy and Network Security Liability)
  • ACE Digital DNA® (First-party Network Security Protection)
• Surety
  • Commercial
  • Contract
• Kidnap & Extortion

For additional information, please visit www.aceprofessionalrisk.com.

Back to top

ACE Risk Management®
ACE Risk Management® offers a wide range of customized casualty products and dedicated underwriting teams designed to respond to the needs of mid- to large-size companies – in any industry – and to deal with the significant costs of financing and managing risk. A wide variety of program structures is offered to support each client’s unique risk financing needs: large deductibles, captives, ACE sponsored and third-party rent-a-captives, corridors, funded deductibles, net present value guaranteed cost and other emerging risk financing structures, including our new prospective close-out product. ACE Risk Management is committed to service and has instituted national service standards in order to be the “best in class” on service deliverables such as policy issuance, invoicing, program adjustments, legal agreements and premium audit activities.

Key Products

• National (expected losses > $5 million) 
• Commercial - Major (expected losses $1-$5 million)
• Commercial - Select (expected losses < $1 million)
• Energy
• Excess Workers Compensation
• Texas Excess Employers Indemnity
• Retention Clash Coverage

ACE Financial Solutions, a division of ACE Risk Management, provides customized insurance and reinsurance solutions to clients with unique or complex risks that are not adequately addressed in the traditional insurance marketplace. This team is equipped to structure cost-effective solutions and provide tailored insurance and reinsurance products that offer clients programs to balance their risk assumption and insurance protection in conjunction with an efficient use of the insured’s capital.

Key Products

• Collateral Replacement Product (Prospective)
• Loss Portfolio Transfers (LPTs)
• Novations
• Structured Risk Products

ACE Risk Management offers all program structures on both a bundled and unbundled basis to provide maximum flexibility. Fully bundled claims and loss prevention capabilities can be packaged with our risk management services partner, ESIS,® Inc. Alternatively, ACE Risk Management can offer unbundled claims and related services through a broad selection of pre-qualified third-party administrators.

ACE Risk Management will work hand-in hand with all of ACE USA's suite of insurance products - such as Umbrella/Excess Liability, Professional Liability, Management Liability, Environmental, Marine and Global Underwriting - to support our mutual clients' global business needs.

For additional information, please visit www.aceriskmanagement.com.
 
Back to top

ESIS®, Inc.
ESIS,® Inc. provides contemporary and effective risk management services to clients in the U.S. and around the world. Maintaining a sharp focus on lowering our clients’ total cost of loss, we take an innovative approach that delivers measurable results. ESIS’ services are available through a preferred relationship with ACE Risk Management® or purchased separately for those clients that select insurance and claims management services independently. Our programs are customized, complementary and complete, and are valued by risk managers seeking greater control over their programs.

Key Products

• ESIS Impact^SM Workers Compensation claim management
• Automobile and General Liability claim management
• Global Risk Control Services: Health, safety, and environmental programs
• Global Claim Services
• Medical and Disability Management
• ESIS ExPO^SM: provider selection tool
• Recovery Services International: recovery and subrogation
• Catastrophe and Crisis Management
• Analytics In Action^SM: demonstrated outcomes and continual program improvement 
• Global RiskAdvantage® (RMIS): instant access to imaged claim documents and flexible reporting 
• ESIS e-risk MANAGER^SM: web-based application for managing risks and losses

For additional information, please visit www.esis.com.

Back to top