All of the insurance programs offered by ACE Risk Management® are risk sharing or fronting arrangements and therefore pose substantial credit risk to ACE and its admitted and/or non- admitted insurance companies.

As a result of this financial exposure, there are a number of processes that are necessary in order to properly evaluate the credit risk. These include:

• Program Structure Selected
• Financial Strength and Liquidity of the Insured
• Ultimate Loss Projections with the Deductible or Retentions
• Level of Predictability of Prior Loss Experience
• Limits Afforded on a Policy and/or Aggregate basis
• Types of Acceptable Collateral
• Unique Exposures or Coverage Extended to the Insured

ACE Risk Management will work with our clients and brokers in conjunction with our underwriting team in order to conduct a proper exposure evaluation as well as a comprehensive financial review.