Casualty Solutions for Ski Resorts

ACE offers casualty solutions designed to address the specific needs of U.S. ski resorts. From small to mid-sized and large clients, we have the underwriting, claim management and loss control specialists who provide superior tailored solutions for this industry.

Benefits:

Available on an admitted coverage for all lines
Tailored program structures (guaranteed cost, deductible or self-insured retention)
Experienced underwriting specialists with underwriting authority and flexibility for responsive tailored programs
Ski resort expertise in claim management
Ski resort expertise in risk control services provided by ACE ESIS®, Inc.
Ski lift certification

Coverage:

Primary General Liability (stand alone or combined)
Primary Commercial Automobile
Lead umbrella

Coverages

Program Structure Capabilities:

Primary General Liability

Deductibles starting at $5,000 to $50,000
SIR’s from $25,000- to $1 million
Per location aggregate caps available
Retention stop loss aggregates available

Primary Commercial Automobile
Lead Umbrella

Underlying schedule includes General Liability, Auto Liability and Employers Liability

Coverage Extension Capabilities:

Primary General Liability & Lead Umbrella
- Liquor liability coverage
- Includes coverage for day care and ski school related exposures (i.e. abuse & molestation)
- Time element and named peril pollution coverage extension
- Coverage granted for non-ski activities (summer sports, etc.)
- Owned watercraft exposures

Minimums & Limits

Primary General Liability
- $1 million per occurrence / $2 million general aggregate / $2 million product-completed operations aggregate with higher limits available for select risks
- Admitted and non-admitted placements
Primary Auto Liability
- $1 million CSL
- Guaranteed cost coverage
- Admitted placements
Lead Umbrella
- $10 million per occurrence / $10 million aggregate capacity
- Admitted and non-admitted placements

Claims & Litigation

ACE Ski Resort Claim & Litigation Management Program

ACE is committed to providing the highest level of claim services for U.S. ski resort clients and brokers, through superior execution, constant communication, and a commitment to providing smart and innovative claim and litigation management.
ACE delivers customized claim management solutions, with dedicated experienced claim managers and adjusters who handle all ski resort claims.
The ACE claims team takes an intensive and proactive approach in resolving claims, with the expertise in local jurisdictional issues impacting these losses. In addition, we monitor legislative efforts that may impact our insureds and work with industry trade groups to minimize any negative impact.
The ACE claims team has existing relationships with top attorneys in their respective fields, including ASDA-member defense firms. Attorneys on the ACE claims panel are recognized as the best in their specialty and have proven track records of successfully defending difficult, high-exposure cases.