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The Commercial Lines Division of ACE Insurance has been created specifically to develop insurance products
and client management services for the small to medium (SME) business market and for the general
personal insurance needs of individual consumers.
Apart from providing innovative product and coverage solutions, ACE also offers state-of-the-art enterprise
solutions that facilitate an easier quotation and binding process with an ‘on-site’ policy issuance facility
where needed.
ACE is committed to working with preferred distribution sources which recognize the market segments we
are focused on and the benefits enterprise systems deployment can bring to client servicing.
Be it a mono-line or multi-line coverage, single policy or master policy, affinity group or individual broker/
agent, ACE can provide the requisite risk management solutions needed to develop the Business and
Personal Consumer Insurance sector.
Small and Medium Business Insurance
About SME/Affinity tRetail Guard
The SME/Affinity component of ACE’s Business & Personal The RetailGuard is equally suited to the single site business
Insurance Solutions provides an extensive range of risk owner requiring one policy through to the franchised
management options which are designed to meet the needs distribution business which will need multi-site and/or multi-
of today’s businessman and their desire to protect their line packaged covers. The policy coverage is designed
assets, liabilities and staff. specifically for the retail trade and can offer protection for an
extensive range of occupations and business activities.
Products can range from single cover policies to multi-
line packaged policies for the individual business, right tOffice Guard
through to group policies or schemes for trade associations The opportunities for multi-line packaged covers under the
and generic interest groups. Whatever the business and OfficeGuard are wide reaching, accommodating occupations
whichever products are selected, the best tailored business ranging from the medical world (optometrists, chiropractors,
solution will be created. doctors, dentists, veterinary clinics, etc) through to clerical
services (insurance brokers and agents, real estate agents,
ACE Solutions accountants, surveyors, lawyers, etc) operating from a single
or multiple office premises.
tIndustrial Guard
Focusing on small to medium sized enterprises, the
tLeisure Guard
IndustrialGuard policy has been developed to accommodate
With a focus on the growing leisure and recreational
a wide range of businesses including manufacturing,
industries, LeisureGuard provides an extensive range of
assembly-line, warehousing and distribution. Single or multi
covers that will suit most businesses including restaurants,
line covers can be offered for either individual site or multiple
bars, bistros, cafes, hotels, motels, sports clubs, social
location businesses.
clubs and the like.
tProperty Guard
Strengths
This product provides a customized approach through
single or multi-line covers for property owners, landlords æ Specialist industry and underwriting expertise
and managing agents, tenants, condominium boards and æ Strong market presence with long term focus
residential housing associations. æ Product innovation and creative marketing approaches
æ The commitment to work exclusively through ‘preferred
ÿ Residential Strata partnership’ agreements with brokers and clients
Providing an extensive selection of cover options designed to æ Superior customer and claims service
cater to the specific needs of Strata Managers or corporate æ Tailored cost effective solutions delivered via our state-of-
residential management boards. the-art e*placement™ platform which facilitates quoting,
binding, policy issuance and renewal on-line
ÿ Landlords
A product tailored to meet the individual needs of both
corporate or private landlords or investors.
Personal Lines
About Personal Lines ÿ Outside the Home
Personal Lines, as part of ACE’s Business & Personal To complement Home Protection, cover is available in the
Insurance Solutions initiative, is focused on developing event of theft or burglary of personal belongings while
customised solutions to meet the insurance and risk outside the home. This product covers monetary and
management needs of groups of individuals or market/ personal effects loss in addition to medical fees due to
industry segments. assault or burglary.
and credit cards from hazards such as theft and accidental æ Loss*
meeting the unique needs of today’s increasingly digital, *where market conditions allow
mobile and cashless society.
How they’re sold
In Specialty Personal Lines, ACE will work with selected Generally, Specialty Personal Lines products are distributed
partners to develop protection solutions which meet the at the point of purchase of a new mobile electrical item or
specific needs of their customers. Our goal is to provide new credit or loyalty card application. Using this approach,
bespoke solutions at affordable premiums which will enhance these products can often achieve a take-up rate of more
both the product’s competitive edge and sales capability thus than 20%.
creating tangible bottom-line benefits.
Where ‘point of sale’ sales are not possible (due to local
sales legislation), alternative sales channels such as
ACE Solutions
telemarketing or direct sales can be developed with
What can be insured? partners.
The range of protection encompasses coverages for items
such as: The Value Proposition
Digital Equipment Personal Items The simplicity of the products combined with affordable
æ Cameras æ Credit Cards premiums make the consumer’s purchase decision easy.
æ Laptop Computers æ Passports, ID and other Consequently, high sales volumes can be achieved which in
æ Mobile Phones important documents turn can generate substantial revenue opportunities for ACE’s
æ Portable Gaming æ Purchase Protection partners.
æ Video Cameras
Through Specialty Personal Lines products, ACE can help a
These protection products can be sold individually or bundled company achieve several objectives:
together to create unique insurance solutions. æ Generate additional revenue
æ Increase customer retention and satisfaction
The Specialty range of covers can also be provided as ‘No æ Market differentiation in the face of increased competition
Additional Cost’ products where insurance is embedded
within another product; thus making that particular product a Strengths
more complete offering. For example: æ Global experience in developing and managing Specialty
æ Purchase Protection embedded as a credit card benefit
Personal Lines Programs with national and international
æ Accidental Damage protection embedded with the
retailers, manufacturers and network operations
purchase of new laptops æ Provision of end-to-end solutions in terms of underwriting,
æ Theft insurance provided free with the purchase of a new
program management, customer and claims
mobile handset administration
æ Seamless integration of the product with the existing
infrastructure and sale processes
ACE ASIA PACIFIC OFFICES: New Zealand
ACE Insurance Limited
Australia CU-1-3, Shed 24, Princes Wharf
ACE Insurance Limited Auckland 1010, New Zealand
ACE Building, 28-34 O’Connell Street Tel : +649 377 1459
Sydney, NSW 2000, Australia Fax : +649 303 1909
Tel : +612 9335 3200
Fax : +612 9335 3333 Philippines
ACE Insurance Company of North America
Hong Kong 14th Floor, Export Bank Plaza
ACE Insurance Limited Chino Roces Avenue
25th Floor, Shui On Centre Corner Sen. Gil J. Puyat
No. 6-8 Harbour Road Makati City D-1230, Philippines
Wanchai, Hong Kong Tel : +632 849 6000
Tel : +852 3191 6800 Fax : +632 325 1675
Fax : +852 2560 3565
Singapore
Indonesia ACE Insurance Limited
PT ACE INA Insurance 600 North Bridge Road
World Trade Centre, 13th Floor #04-02 Parkview Square
Jl. Jendral Sudirman Kav. 29-31 Singapore 188778
Jakarta 12920 Tel : +65 6398 8000
Tel : +6221 5299 8200 Fax : +65 6298 1055
Fax : +6221 521 1801
Taiwan
Korea ACE American Insurance Company
ACE American Insurance Company Insurance Company of North America
19th Floor, Seoul City Tower Building 10F, No. 8, Sec. 5, Hsin Yi Road
581 Namdaemunro-5-ka, Chung-ku Taipei 110, Taiwan R.O.C.
Seoul, South Korea 100-741 Tel : +886 2 8758 1800
Tel : +822 2127 2301 Fax : +886 2 8758 1990
Fax : +822 2127 2303
Thailand
Malaysia ACE Insurance Limited
ACE Synergy Insurance Berhad Level 8, Abdulrahim Place
Level 26 Menara Weld 990 Rama IV Road, Silom Bangrak
No. 76 Jalan Raja Chulan Bangkok 10500, Thailand
50200 Kuala Lumpur, Malaysia Tel : +662 611 4040
Tel : +603 2058 3000 Fax : +662 636 1080
Fax : +603 2058 3333
Vietnam
ACE Insurance Company, Ltd.
Saigon Finance Center
9 Dinh Tien Hoang Street, 8/F
District 1, Ho Chi Minh City
Vietnam
Tel : +848 910 7227
Fax : +848 910 7228
PROFILE OF ACE
The ACE Group of Companies® is one of the world’s largest providers of commercial property and casualty
insurance and reinsurance.
Swiss incorporated parent company ACE Limited has the A+ financial strength rating by both Standard & Poor’s
and AM Best. This rating is indicative of ACE’s strong capital base and financial stability; key attributes in the
business of risk.
With a history dating back to 1792, ACE is distinguished by its underwriting expertise, superior claims handling
and global franchise – a physical presence in more than 50 countries and a strong presence in Asia Pacific.