Important Legal Information
Insurance policies are underwritten by on or more of the following operating insurance companies within the ACE Group of Companies:
- ACE American Insurance Company
- ACE Insurance Company of the Midwest
- Atlantic Employers Insurance Company
- Bankers Standard Insurance Company
- Indemnity Insurance Company of North America
- Pacific Employers Insurance Company
All products may not be available in all states. Illinois Union Insurance Company is a surplus lines (non-admitted) insurance company within the ACE Group. Its policies are issued through licensed surplus lines brokers only.
The descriptions of insurance coverage in this web site are summaries only. The insurance policy issued by one of the companies listed above is the actual contract which governs the terms and conditions and rights and obligations of the policyholder and the insurance company.
The information in this web site is meant to inform you about the broad range of products and services we provide. The independent agents and brokers with whom we do business apply their specialized knowledge and expertise to assess your unique insurance needs and advise you on specific matters such as which insurance products, coverage limits, etc. best fit your needs. We try to work with only the best agents and brokers in the field, but they are independent professionals and we are not responsible for the advice or service they provide.
Property appraisals or inspections referred to in this web site are “loss control activities”. They are conducted as an adjunct to the process of insurance underwriting in order to help us evaluate and improve the property as an insured risk and/or to determine value in the event of a loss. Our property appraisal is not intended or designed to determine value for any other purpose. Neither the appraisal nor any recommendation, report or safety tip we provide, including our SafetyWise newsletter, is intended to be a substitute for the services of an appraiser or safety/security consultant that a property owner might retain for non-insurance purposes.
References to our response times when providing claims and other services are best estimates based on the high service quality goals that we set for ourselves and virtually always meet. They are not guaranties.