PROPERTY AND CASUALTY COMPREHENSIVE COMBINED INSURANCE FOR HOTELS

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1 PROPERTY AND CASUALTY COMPREHENSIVE COMBINED INSURANCE FOR HOTELS

2 With currency fluctuations, economic recession, pressure on room rates and occupancy levels, hoteliers face one of the most challenging trading environments in a generation. They have to be confident that their insurance policy will be worry-free.

3 FLEXIBLE, ADAPTABLE COVER Aimed at mid-corporate to larger sized hotels and chains of hotels, ACE Hotel provides a comprehensive combined policy which can be adapted and designed to satisfy the most exacting requirements of clients. In addition to property, business interruption, employers liability and public liability covers, the policy automatically includes many industry specific covers, such as: The cost of obtaining alternative accommodation for guests Customers goods Full theft Worldwide jurisdiction Treatment risk Legionella not treated as pollution Manslaughter defence costs Notifiable diseases cover Loss of attraction cover Environmental liability The policy can also be extended to include a wide range of other covers such as: Breakdown Contractors all risks Premises pollution liability Network and data security plus computer hardware Personal injury and business travel If required additional policies can also be arranged for: Directors and officers liability Pension trustee liability Employment practices liability The above covers 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 representative for full details.

4 ACE HOTEL ACE: YOUR INSURER OF CHOICE advice and practical guidance to clients. Our risk engineering capability can provide assistance in: Preventing accidents Achieving regulatory compliance Defending claims efficiently Business continuity planning (BCP) Business continuity planning is increasingly regarded as a key-stone of business survival following a critical incident, whether local, national or trade specific. ACE is the insurer of choice to a number of mid-corporate, large and prestigious hotels and chains of hotels who recognise the added benefits of placing their insurances with ACE. Property risk management service ACE has a team of professional risk engineers who provide advice and guidance on all aspects of property risk management and can assist with: The development of a full risk management programme for the insured The best methods to mitigate risk Occupational risk management services ACE s employer s liability risk engineering services can offer valuable expertise, ACE can assist with the production of this vital management tool. Why should I recommend ACE Hotel to my clients? ACE insures a number of well known hotel chains. In addition our underwriters are rated highly 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. We trade through a select group of brokers and work hard to achieve close relationships with each, offering a prompt and valued service. 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.

5 Claims management An insurance policy is only as good as the service provided when a claim occurs. With ACE Hotel the customer can rest assured that the service provided will be amongst the best in the market. We have a dedicated claims team with the knowledge and expertise the hotelier needs, and an enviable reputation for fair and efficient payment. A 24-hour claims line provides instant help when it s most needed. Offering guidance on immediate steps to be taken and co-ordinating a loss mitigation programme the helpline takes away the burden of what to do when the unthinkable happens. The claims line number is

6 ACE HOTEL GLOBAL REACH, LOCAL PRESENCE Service ACE Hotel gives you access to our global servicing network. We have local experts and local facilities for policy issuance and proof of cover, claims handling and risk management services. This service and knowledge are available through two key tools: MAX - our Multinational Account exchange which puts control and structure around communications across our global network, specifically the issuing and servicing of local policies. These protocols enable us to provide a consistent standard of service with immediate information and control available should a local problem occur. AIM - ACE Interactive Map - a tool that overlays clients international operations with our global servicing network to provide information on local insurance practice and regulatory requirements Working with ACE 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. 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.

7 We have successfully blended the knowledge of our local markets with the worldwide perspective of a global organisation.

8 CONTACT US ACE European Group Limited 2nd ACE Floor Building 5100 George s Leadenhall Dock Street IFSC London EC3A 3BP Dublin Tel: Tel: Fax: Fax: ACE European Group Limited ACE registered European no Group Limited is registered trading as in England ACE Europe at registered and Combined office Insurance, 100 is Leadenhall authorised Street, and regulated London, EC3A by the 3BP Prudential and authorised Regulation by the Authority Prudential in the United Regulation Kingdom Authority and and is regulated by by the Central Financial Bank Conduct of Ireland Authority for conduct and of the business Prudential rules. Regulation Authority. Additional information can be found Registered branch in Ireland no at at 5 George s Dock, IFSC, Dublin 1. ACE 077UK European Group Limited (company Published November no ) 2013 is registered in England and Wales with registered office at 100 Leadenhall Street, London EC3A 3BP. 077IE Published October 2013 About ACE Group Established in 1985, The ACE Group of Companies has grown rapidly has grown to become rapidly to one become of the one world s of the premier world s providers premier of providers insurance of insurance and reinsurance and reinsurance products and products services. and ACE services. has offices ACE in has 54 locations offices in and 54 locations can help clients and can manage help clients their risks manage their anywhere risks in anywhere the world. 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 five 5 dedicated regions: Ireland, Scotland, North of England, Midlands and Wales, and London London and and South South East 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+ (excellent) (superior) by A.M. Best.