• Send your request to expressumbrella@acegroup.com we will confirm receipt of your request and contact you if there are any questions.  Please make sure your request included the proper documentation such as a lost policy release or evidence of payment.

• Send your request to expressumbrella@acegroup.com we will confirm receipt of your request and contact you if there are any questions.  We typically give 10 working days notice to the original Producer depending on how much time there is before the inception date of the policy.
• As the Producer, to avoid delays in processing, please ensure the producer of record letter is currently dated, typed on the Insured's business or personal stationary, and specify that the person signing the letter is authorized to act in this capacity.  The name and title should be typed on the letter and signed by and officer of the insured.
• The letter should state the full name and business address of the producer who is to be the new producer.
• It should state whether the Insured desires the new producer to quote or write all or selected pieces of the Insured's business with the Company, and should state the specific policy coverage if ther are limitations.
• The letter also should state the desired date of transfer from the original producer to the new producer.  This should not be less then 10 working days from the date the new producer delivers the producer of record letter to the Company.

• Please view our "Contact Us" section for any Billing & Premium Payments questions.

• We are working on offering Direct Bill.  We will have updates for when that will be available on our What's New? page.

• We do not offer installments at this time.

• Typically all premiums are due 30 days from date of your statement. However, this may be superceded by state laws and your producer agreement.  Any questions please contact our accounting department listed on our "Contact Us" section.

Do you honor a premium finance company cancellation?

• Yes we do honor a premium finance company cancellation

How do I find and choose a SIC code (Standard Industrial Class)?

• Choosing the appropriate SIC code(s) is a very important part of using ACE Express Umbrella.  The user should choose a primary and and a secondary SIC Code if there is more than one operation or several operations.

• The user could use the government SIC Codes website form OSHA Standard Industrial Classification codes or go to our Guidelines and Applications section then open the "SIC Class Lookup" link.

• Once in this spreadsheet click on the second tab and you can press and hold the Ctrl F keys and search for a class by description.  Also, the SIC Codes website has a seach function by description as well.

• We will be offering a cross reference guide soon.

• The service is free to look up company ratings.  However, their website will require you to register with them to view the carrier rating.

• Please refer the applicant to your underwriter by selecting choosing "No" on for the question "Do all Underlying Policies comply with ACE Express Umbrella Guidelines?" on the Underlying Supplement section of the ACE Express Umbrella platform.
• Your underwriter will review your request and advise if an exception can be made.

• Lloyds carriers that are AM Best Rated A- VI or better are acceptable for ACE Express Umbrella.

• Our platform allows the user to a view why the submission is being referred.  Any additional information can speed up the referral process, so the user is encouraged to use the Producer Comments field to give the Underwriter additional information about the referral. 
• After updating the comments field and selecting the Refer to Underwriter button it is a good idea to send an email with the account name and submission number to alert your Underwriter that the account was referred.

• Internet Explorer  

• This system functionality is currently being designed.  Essentially, the user would have to re-enter the account at renewal.  If you have an upcoming renewal please consult with your referral Underwriter to go over the handling of your renewal so the process is as easy as possible..

• Eligible states are listed on our "Eligibilty & General Guidelines" on the Underwriting Guidlines & Applications page.

• Each state has its own laws and regulations.  If an Insured changes their state of domicile they are subject to new laws and regulations for that new state.  This includes but is not limited to state filed rating plans, various surcharges and amendatory endorsements.

• The maximum sales for any online accounts are listed in Step 1 of our "Eligibilty & General Guidelines" section on the Underwriting Guidlines & Applications page.

• The maximum limits for any online accounts are listed in Step 1 of our "Eligibilty & General Guidelines" section on the Underwriting Guidlines & Applications page.

• Eligible classes of busines for any online accounts are listed in Step 1 of our "SIC Class Lookup" on the Underwriting Guidlines & Applications page.

• The maximum allowed autos for any online accounts are listed in Step 1 of our "Eligibilty & General Guidelines" section on the Underwriting Guidlines & Applications page.

• Copy of the underlying GL quote letter showing endorsements and exclusions.
• Underlying carriers must be rated A-VI or better
• Written confirmation that the U/L defense costs are outside the limits
• Completed Accord 125 and Accord 131 (Umbrella) applications
• Complete description of Insured operations
• Brochures and/or website address if applicable
• Details of the Insured’s safety/loss control program
• Currently valued loss information for AL and GL for the prior 5 policy
• Complete supplemental applications applicable to the risk.  (e.g. Restaurant, Products or  Supplemental.)
• Target quote date and premium.
• Expiring Umbrella Carrier, Premium and Limits 

• Try the search again with the first two words of the account name. If you are sure there is no D&B record, click the “Create a new Account” button to create a “Shell.”

• A Shell is a temporary Dun & Bradstreet number that has been assigned to an account until such time as a true D&B number can be found or established

• No. There cannot be two companies in the same city with the same name, because the name must be registered with the State. If the name matches but the address does not, the account has moved. Verify the address, then select the account, and and make changes as necessary on the "Account Information" screen.

• No. If the account name and city match, but the street address does not, the account has recently moved. To correct the address and insure you have the correct information for policy purposes, select the appropriate account and you can make changes on the "Account Information" screen.

• No. If you have a perfect address match, but the account name is slightly different you have found the correct account. Select the account and on the "Account Information" screen just type the correct name.

• No.  Do not use abbreviations. The account search does not understand abbreviations.

• No.  Do not use these acronyms.  Please refer to the named insured defination on for the ACE Umbrella Plus Commercial Umbrella Liability Policy on the Policy Specimen and Endorsements section.

• An account is eligible for a D&B number if it is, or at any time has been, a seeker of credit.

• Verify the account name info for: Spelling Errors – (Capital vs. Capitol, Hoover vs. Hover); Incorrect State and/or Country; Too much of a name; Abbreviations – (Ave vs. Avenue, Ins vs. Insurance); DBA in the name; Et al at end of the name; Acronyms (BOE vs. Board of Education); Making one word into two and vice versa.

• The letters “d/b/a” should never be included during an account search.

• Yes.  Accounts quoted and bound online can have up to 5 SIC codes.

• Yes.  You are allowed to enter terms 9 to 15 months (3 to 18 months by referral).

• You can check the underlying policy, which would have an NCCI copyright mark.

• You have 3 days past the effective date to bind an existing quote. If the bind order is received on Friday after closing, for example, you can click Bind Monday morning.

• If the browser window is already open, it won’t open again. To check, click through the open windows at the bottom of your screen.

• Your session will timeout after 20 minutes of not using the system. However, a message does appear to allow you more time to complete your application if you select OK.

• You can enter a submission up 90 days in advance of the effective date.

• Your submission will expire 90 days after the effective date.  We suggest if you need to keep your submission open longer, then change the effective date to a more current date. 

• 30 days after quotation or 3 days after inception.