ACE USA's deck is stacked with insurance cards. The company is the US retail operating division of Swiss insurance firm ACE Limited. ACE USA provides a comprehensive range of property/casualty, risk management, accident, disaster, professional lines, workers' compensation, and health insurance products to individuals and businesses throughout the US. It sells these through licensed insurance brokers. ACE USA has dedicated efforts to tailor its services to four specialized industries: construction, health care, energy, and public entities. It also has an arm dedicated to merger and acquisition underwriting practices.
ACE USA is made up of several business units, each of which provides products and services in its niche market. They include: ACE Accident & Health, ACE Casualty Risk, ACE Global Underwriting, ACE Medical Risk, ACE Professional Risk, ACE Risk Management, and ESIS, Inc. a subsidiary which provides risk management services. Also ACE Surety offers a variety of surety products and specializes in underwriting both commercial and contract bonds. ACE Commercial Risk Services offers a wide range of specialty product solutions for targeted industries that lend themselves to technology-assisted underwriting. ACE Private Risk Services provides high-value personal lines coverages including homeowners, automobile, valuables, umbrella liability, and recreational marine insurance.
It also operates ACE Westchester which specializes in excess and surplus lines specialty products, including property, inland marine, casualty, professional lines, agriculture and environmental liability products, which it distributes through wholesale brokers.
And, of course, what kind of insurance company would ACE be if it didn't have Rain and Hail coverage? Actually, it's only one of a handful of companies that offer such coverage that pioneer in crop insurance. It has served America's farmers since 1919, providing comprehensive multiple peril crop and crop-hail insurance protection for customers in the US and Canada.
Combined Insurance provides a wide range of personal accident and sickness insurance products including short-term disability, critical condition and hospitalization/recovery.
ACE Tempest Re offers all lines of traditional and non-traditional property and casualty reinsurance business (including property, casualty, and surety and fidelity) for the North American market.
Sales and Marketing
The company distributes coverage through retail brokers, provides a broad array of specialty property, casualty and A&H insurance products and risk management services to corporate clients across North America. Some products are also distributed through general agents, independent agents, managing general agents, managing general underwriters, alliances, affinity groups, and direct marketing operations.
ACE USA is a part of parent company’s North American P&C segment, which accounted for 34% of ACE Limited's 2013 revenues. As the segment's largest operation, ACE USA represented 70% of Insurance – North American P&C's 2013 net premiums.
It is part of ACE US' strategy to offer the typical insurance that most other providers offer, but to also offer a myriad of coverage such as Combined Insurance providing a wide range of personal accident and sickness insurance products.