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                    ACE Insurance
                        MENA Region
Who is ACE?

ACE Limited, a component of the S&P 500 stock
index, was established in 1985 by a consortium
of 34 Fortune 500 companies to provide hard-
to-find excess coverage. As a result of strategic
acquisitions, ACE traces its history back to 1792,
when the Insurance Company of North America
issued its first policy.

The ACE Group of insurance and reinsurance
companies serves a variety of clients around the
world, from large multinational corporations
to smaller clients in local markets. Guided by
a strong underwriting culture, we believe in
“Insuring Progress” and embrace the challenge
of helping our customers manage risk, so they
can pursue progress of their own.

ACE in the MENA Region
The ACE MENA Region is an integral part of the
global ACE Group of Companies, comprising
the businesses of ACE Arabia Cooperative
Insurance Company (Saudi Arabia), ACE
Insurance Company Egypt SAE, ACE Insurance
Company (Pakistan) and ACE American
Insurance Company (Bahrain Branch).

With an established presence in these countries
and supporting partners throughout the
region, ACE MENA Region provides tailored
property and casualty, accident and health
and personal lines insurance solutions for a
diverse range of clients.

    Energy: oil, gas and
    power generation
    More than ever before, the energy industry
    requires critical financial protection coupled
    with dependable, proven loss prevention and
    risk management services. The ACE Group is
    widely recognised as a global leader in both
    onshore and offshore energy insurance, and
    is committed to providing unsurpassed
    products and services to every client.

    Comprised of experienced field experts,
    knowledgeable of the unique needs of energy
    customers, the ACE Global Energy team in
    MENA has a long-term focus on client
    relationships. This approach is cultivated
    through a tripartite relationship with brokers
    or cedents and clients as a means of
    establishing the most comprehensive
    understanding of each insured’s needs. To
    ensure the success of these relationships,
    the energy team travels extensively throughout
    the region and has direct contact with clients
    whenever possible.

    In addition, ACE offers tailor-made package
    policies for specialty marine and non-marine
    coverages. By integrating on a broader scale
    with other units within the ACE Group, ACE
    energy underwriters provide a pre-eminent
    centre of expertise and enhanced flexibility
    for the client, backed by a first-class claims
    handling team.

    ACE specialises in:
    s Exploration and production

    s Refining, petrochemicals and chemicals

    s Power generation (gas, coal, wind, hydro

      and nuclear)
    s Industry associated liabilities

Property, engineering
and construction
ACE has the experience, knowledge and tools
to help companies prevent losses from
happening, and to help minimise impact when
they do. With a client list that includes many
of the world’s foremost companies, ACE has
been helping clients design customised
property risk management programmes,
including tailored engineering services, for
more than two decades.

ACE’s property professionals know industry
best practices and how to apply them. In
addition, the ACE team offers reliable advice
on a variety of protection and hazard topics,
including process management, unusual
hazards identification, expected loss
calculations and more.

Construction projects have become increasingly
sophisticated in their scope and complexity,
both in terms of the work itself and the
contractual arrangements between the parties.
We understand these complexities and provide
flexible construction insurance that meets
                                                 “I construct unique
the needs of the following types of clients:
s Contractors
                                                  properties. I need
s Manufacturers

s Property developers

s Public utilities
                                                  insurance to match.”
s Independent power producers

s Financiers and lenders

ACE has extensive experience and capacity
in primary, excess and full risk property
insurance including:
s Boiler and machinery/machinery breakdown

s Building and construction, including

  erection all risk and contractors all risk
s Business interruption

s Catastrophe perils

s Electronic equipment/data protection

s Multinational/global property programmes

s Property engineering

s Terrorism coverage


                                Financial losses resulting from marine
                                transportation and transit can have a drastic
                                impact on business. As one of the world’s
                                largest providers of marine protection, the
                                ACE Group assumes its clients’ risk through
                                a variety of marine insurance products and

                                With a wide range of marine product lines,
                                the ACE Group offers very competitive rates
                                and terms, claims and recovery expertise, and
                                comprehensive coverage. ACE’s global team of
                                highly experienced underwriters is dedicated
                                to creating customised solutions to meet any
                                shipping need.

                                ACE’s offering of marine solutions and
                                programmes address both typical and unusual
                                concerns. ACE’s products include:
                                s Cargo

                                s Marine consequential loss

                                s Hull insurance

     “I want an insurer who     s Protection and indemnity

                                s Marine liability risks including protection

    cares about my business,      and indemnity
                                s Marine war and SRCC

                                s Yachts

          not just my cargo.”   s Inland marine

Casualty and liability

As a leading underwriter of casualty and
liability risks all over the world, the ACE Group
offers risk managers and brokers a wide variety
of innovative casualty and liability products
and services on a primary, umbrella excess or
high excess basis.

ACE is deeply committed to meeting customer
needs through the flexibility to handle most
circumstances, a strong capital base that can
handle major exposures, and an international
network of claims centres and risk control
professionals who know how to help clients
reduce risk and loss costs.

ACE offers various set plans, a multitude of
optional services and customised plans for
companies with special needs.
Coverages include:
s Automobile liability

s Commercial general liability

s Contract liability

s Events liability

s Manufacturing risks

s Multinational companies

s Products liability

s Professional liability and Directors & Officers

s Punitive damages

s Terrorism coverage

s Umbrella/excess liability

  (worldwide coverage)
s Employers liability

s Wrap-up programmes

                           Financial lines

                           This broad group of products includes
                           protection for companies, their directors,
                           officers, and employees against a wide range of
                           financial liabilities. ACE is an internationally
                           acknowledged provider of Directors & Officers
                           liability and other financial insurance. Our
                           highly experienced underwriters provide
                           customised solutions to a variety of
                           corporate clients.

                           We offer one of the widest range of primary
                           and excess products including:
                           s Commercial crime protection

                           s Directors & Officers liability

                           s Employment practices liability

                           s Pension trustee liability

                           s Public offering of securities insurance

                           s Professional Indemnity

                           s Bankers Blanket Bond

                           s Political risks insurance

                           s Trade credit insurance

       “Our people are
    our greatest asset.”

Accident and health

The ACE Group has built a global reputation
as a leading provider of exceptional service
and superior accident and health products
and programmes. ACE is committed to
delivering innovative insurance products
that provide greater financial stability in an
ever-changing marketplace, helping to protect
insureds against the serious impact of sudden
injury or catastrophic illness.

ACE’s superior underwriting expertise and vast
international capabilities enable it to provide
a robust product portfolio. ACE’s products
range from traditional accident and medical
programmes for employers and their employees
to specialty accident and health products and
programmes designed to meet the unique
needs of groups and individuals worldwide.

Using the following core products as our
foundation, ACE’s accident and health team
tailors programmes to bundle traditional
coverage with non-traditional benefits and
features. With this flexibility, insureds receive
the coverage they most need.
s Personal accident

  - Accidental death, disability and medical
s Health Insurance

  - Accident & sickness insurance including
    hospital income, critical illness and
    temporary disability
s Travel Insurance

  - Business and leisure
s Employee Benefits

  - Voluntary accidental death and
    dismemberment, business travel,
    occupational accident
s Creditor Insurance

  - Bill protection, temporary disability
    and hospitalisation

                             ACE values

                             We comply with all applicable laws, regulations
                             and company policies, in our words and in
                             our deeds. Honesty, character and ethical
                             behaviour guide us to do the right thing.

                             Client focus
                             We are committed to our clients. We strive
                             to understand their risks, we make promises,
                             and we keep them.

                             We value our employees, partners and
                             communities. We are dedicated to fair
                             treatment, diversity, trust and mutual respect.

                             We recognise and reward excellence in the
                             workplace. Performing at the highest level
                             requires us to think and act like owners.

         “Understanding      We believe an environment of open
                             communication and collaboration produces
    and commitment are       results. We encourage full participation,
                             different perspectives, constructive criticism
                             and a sense of pride in who we are and
     key to our business.”   what we do.

                                            R   ace insurance