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1 property owners Property insurance and rental protection 1

2 Between 1990 and 2006 Ireland s property sector grew faster than that of any other developed economy. A period of intense growth in the Irish economy resulted in a tremendous building boom in the 1990 s. It is estimated that there was approximately 14 million square feet of office space in Dublin in 1995; the current estimate is approximately 37 million square feet. ACE Property Owners is aimed at large blue chip commercial property owners and developers, with national and international portfolios of property. 2

3 ACE PROPERTY OWNERS Why choose ACE Property Owners? Property Insurances Clearly property owners need property and rental insurance protection which is wide enough and flexible enough to ensure that their investment is adequately protected. To this end the cover afforded by ACE Property Owners has been extended to include: No Average Condition Free coverage for architects fees, debris removal charges and fire brigade charges. No warranties Inadvertent omission to insure & newly acquired/ erected buildings ACE offers a comprehensive one-stop package policy to property owners. The policy can be extended beyond the traditional property and liability covers to include: Marine Computers Data Protection Environmental Protection Personal Accident and Business Travel In addition separate policies can be arranged for: Directors & Officers Pension Trustee Liability Employment Practices Liability Global Terrorism Automatic cover for landscaping, car parks, hard standings and common areas Principle controlled contract works Trace and Access Anchor Tenant / Loss of Attraction cover Terrorism Green enhancements The above extensions are not all automatic and may have limits of liability and terms and conditions. They may attract an additional premium. Please contact your local ACE contact for details. Environmental Risk With the pace and breadth of legislation within the EU ever increasing, Environmental Insurance, which was once thought of as a nice to have, is now widely recognised as a must have cover, particularly for property owners. 3

4 There are few insurers who can match the capacity and breadth of cover which ACE can provide. With the ACE Property Owners policy we automatically include one of the market s leading Environmental Protection covers. Key benefits include: Coverage for sudden and accidental and gradual pollution Inclusion of both historical and ongoing operational exposures Automatic coverage for biodiversity (natural resource) damage Damage to third-party property including diminishment in value Ability to enhance risk management programmes through access to top engineering consultants Limit of indemnity being 1m with options for increased limits to 2m and 5m. Casualty One of the widest covers available in the market 20m capacity available No exclusion in respect of terrorism for Property Owners Liability Multi-national Capability Full, local capability to deal with property portfolios overseas We can support multi-national portfolios in up to 150 countries Our service enables our brokers to retain maximum local control of overseas business, with associated cost benefits to both broker and client Ensures full compliance with any local tax and regulatory requirements Ensures consistency of coverage across the portfolio by way of DIC/DIL 4

5 ACE PROPERTY OWNERS Global reach, local knowledge ACE offers insurance solutions to a diverse array of clients. We have successfully blended the knowledge of our local markets with the worldwide perspective of a global organisation with products delivered and supported by ACE Global Programme Solutions (ACE GPS SM ), specialists in the management of international risk. ACE GPS SM sits at the heart of our multinational capability and brings together all of the following attributes into a dynamic, client-focused solution: Skilled underwriters A fast and responsive service A wide range of insurance products Compliance expertise Financial security Industry-leading technology The breadth of our products and the skills of our underwriting teams allow you to consolidate your business with us, making for more efficient administration. With our worldwide network we can respond to your needs by quickly moving premiums, issuing policies, resolving claims and assisting post loss to get businesses up and running again. As well as providing you with market leading service levels, ACE is also able to draw on its global network and resources to provide you with reliable information on insurance and regulatory requirements worldwide. Working with ACE We trade through a select group of brokers, and work hard to achieve close relationships with each, offering a prompt and valued service. Our underwriters are highly rated for their knowledge and expertise. Flexibility combined with high levels of underwriting authority at branch level allow our underwriters to find solutions to underwriting challenges. Brokers have direct access to the underwriters making the decisions and can ensure a full understanding of the risk and the issues faced by the client. We are proud of our people, their integrity and their professionalism. Our claims teams settle non-complex losses quickly with a minimum of paperwork, whilst with larger, more severe or complex losses, we seek to work closely with the insured or the broker to provide a consistent, prompt and equitable settlement within agreed service standards and time frames. Significant investment in the latest technology has enabled us to harness market-leading electronic document handling, creating significant efficiencies in quotations, swift and accurate policy issuance and claims handling. With a nationwide network of offices in all the main financial centres of the UK and Ireland, ACE is ideally placed to serve all sizes of company in all areas. All of this expertise, experience and resource means that, when arranging cover from ACE, you can be confident of receiving an efficient and responsive service that meets your changing needs. 5

6 Contact Us ACE European Group Ltd 2nd Floor 5 George s Dock IFSC Dublin 1 Tel: Fax: About ACE Group Established in 1985, The ACE Group has grown rapidly to become one of the world s premier providers of insurance and reinsurance products and services. ACE has offices in 54 locations and can help clients manage their risks anywhere in the world. Our clientele varies from multinational corporations with property and casualty exposures, to individuals purchasing personal accident, travel or supplemental health insurance. We offer products tailored to the needs of any size of client. ACE has a strong presence across the United Kingdom and Ireland, with 13 offices employing 1,300 people and serving 5 dedicated regions: Ireland, Scotland, North of England, Midlands and Wales, and London and South East England. Ours is a customer-centric business model: we have a relationship management structure for key accounts and claims and 20 dedicated business relationship managers. ACE is listed on the New York Stock Exchange with the ticker ACE. ACE s core underwriting insurance companies are rated AA- (very strong) by Standard & Poor s and A+ (superior) by A.M. Best. Ref: 133IE Published October 2013 ACE European Group Limited trading as ACE Europe and Combined Insurance, is authorised and regulated by the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. Registered branch in Ireland no at 5 George s Dock, IFSC, Dublin 1. ACE European Group Limited (company number ) is registered in England and Wales with registered office at 100 Leadenhall Street, London EC3A 3BP 6

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