Skip Navigation

Specialty Core Solutions

ACE Westchester Specialty Core Solutions offers individualized account casualty programs for companies with challenging exposures on small deductible, SIR, or guaranteed cost program structures. Our preferred client has harder to place product and/or premises exposures that present a high severity/low frequency claim potential.

Benefits:

  • Available for qualified risks on an admitted basis in all 50 states
    Experienced and responsive regionally deployed underwriting specialists with underwriting authority and flexibility for responsive tailored programs
  • Dedicated claims expertise
  • Strong financials to protect your liability exposures

Coverages:

Flexible product array includes:

  • Primary general liability
  • Primary commercial automobile
  • Lead umbrella
  • General liability buffer excess layers

Coverages

Primary General Liability

  • For qualified risks on an admitted basis in all 50 states and D.C.
  • Non-admitted coverage available for insureds with unique risks
  • Occurrence or claims made basis
  • ISO policy forms
  • Environmental impairment coverage available, including sudden and accidental BI/PD (Named Peril and Time Element) and options to include remediation and expense coverage
  • Claims handling within self insured retention can be provided by ACE claim handling affiliate, ESIS, Inc., another acceptable TPA, or self administered, subject to policy provisions.
  • Deductible policies quoted utilizing ACE claim handling
  • Zero collateral required for deductible policies for qualified insureds
  • Catastrophe Management Coverage extension with sub-limit of $250,000 for select risks
  • Liquor Liabiilty Coverage extension with $1M limit available where needed
  • World-wide Products Coverage available
  • Stop Gap Coverage in monopolistic states available when there is no other Workers Compensation insurance
  • Stand Alone Premises or Products Coverage available

Primary Commercial Automobile

  • Admitted basis via use of ISO policy form
  • Liability and physical damage coverage available
  • Hired and non-owned coverage only available
  • Low minimum premium available to facilitate primary general liability placements

Lead Umbrella

  • Coverage written on ISO based policy form
  • Coverage available for qualified risks on admitted basis in all 50 states
  • Schedule of underlying insurance can include employers liability coverage provided by a non-ACE policy, subject to a minimum insurer financial rating of A- VI by A.M. Best

Buffer Excess General Liability

  • For qualified risks on admitted basis in all 50 states and D.C.
  • Non-admitted coverage also available for unique risks
  • For ACE primary insured risks

Minimums & Limits

Minimums

  • Minimum premium:
    • $1,500 primary commercial automobile
    • $25,000 lead umbrella
    • $25,000 primary general liability
    • $100,000 buffer excess general liability
  • Minimum attachment points:
    • Primary general liability:  $25,000 self insured retention, or $1,000 deductible or first dollar if applicable
    • Primary commercial automobile: first dollar/guaranteed cost
    • Lead umbrella: $1 million general liability and primary auto; $500,000 employers' liability
    • Buffer excess general liability:  $1 million in total underlying insurance

Limits

  • Primary general liability: Limits up to $1 million occurrence/$2 million aggregate with higher limits available for select risks
  • Primary commercial automobile:  $1 million combined single limit
  • Lead umbrella: $10 million occurrence / $10 million aggregate with higher limits available to $25 million for select risks
  • Buffer excess general liability:  Limits up to $5 million occurrence/$5 million aggregate with higher limits available for select risks

Target Client

Target Clients

  • U.S.-based companies of all revenue sizes, including:
    • Product manufacturers of all types, from light to heavy industrial (incidental installation exposures acceptable)
    • Premises and service/operational risks with high claim severity exposure
    • Insureds with historically limited options in standard market
    • Insureds with unique attributes that require underwriting, coverage and pricing flexibility (admitted and non-admitted coverage available)
    • Insureds with a variety of dissimilar operations and compressed time schedules (Private Equity Groups)

Restricted Industries

Restricted Industries

  • Pharmaceutical manufacturers
  • Critical aircraft or critical auto parts manufacturers
  • Invasive medical products manufacturers (defined as implanted in the body for more than 15 days)
  • Tobacco products manufacturer
  • Lead umbrella coverage is written only in companion to Specialty Core primary general liability placements
  • Primary commercial automobile coverage is written only in companion to the larger Specialty Casualty primary general liability placements
    • Trucking/transportation risks are not accepted
    • Fleet composition must be below 200 total units and less than 30 percent classified as Heavy, Extra Heavy or Truck Tractor