• Complete Acord Applications #125 & #130
• Please be sure the Applicant's Federal ID Number is included.
• Loss experience to be listed on application or carrier loss run(s) attached to application
• Applicable experience rating data worksheet or Compline Report

For complete Submission Instructions Click Here.

An Ideal risk is: - Our goal is to write accounts that demonstrate an active concern for workplace safety and an average to above average ability to control losses and loss exposures. While the reality of the market involves risks with a wide range of operations, exposures, loss experience, safety controls, employee caliber, metropolitan to rural settings and litigious to reasonable claims jurisdictions, the ideal risk for ACE Comp lete will:

• be experience rated at a modifier under 1.00
• contain all operations at one location in one state
• have a prior 5 year loss ratio under 35%
• have been in business for more than 5 years
• provide wages equal to or greater than industry average
• provide medical plans to all its employees
• be financially stable with no significant changes from prior operations
• provide employees with a well maintained and safe work environment
• have a return to work policy
• be safety conscious and provide some form of safety program
• properly screen employees through applications, reference checks,
  drug/alcohol tests
• have a stable workforce with average annual turnover under 10%
• be situated in a reasonable claims and regulatory jurisdiction, where rates
  are deemed adequate by ACE and where competitive forces have not eroded
  such adequacy
• be in a low to medium hazard grade
• be free from Occupational Disease exposures

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Ineligible Applicants

A. Any class number or description not listed in the Class Code Eligibility section.

B. Any applicant with the following operations, activities, exposures or coverage requirements is       ineligible for ACE Complete.

1. USL & H, Maritime, Admiralty, Outer Continental Shelf Lands Act, sub aqueous and all other forms of maritime exposures including but not limited to vessel operations, manufacture, service, repair; marina's, stevedoring, dredging, diving, wrecking, pile driving, jetty construction, dams, dry docks, caissons, coffer dams, reservoirs, dikes, locks or revetment.
2. Defense Base Act or Migrant & Seasonal Agricultural Worker Protection Act.
3. FELA and all forms of railroad operations, manufacture, service or repair including subways.
4. Aggregate or excess workers' compensation.
5. Financial Guarantee.
6. Pools, Associations or Syndicates. (Allowable but must be referred to UW)
7. Risks with an occupational disease exposure including but not limited to Black Lung, Brown Lung, Silicosis or Asbestosis, a classification with an
   occupational disease loading or a prior occupational disease exposure or loss.
8. Nuclear or atomic energy operations or services.
9. Aircraft or motorized watercraft operation, manufacture, service or repair.
10. Risks involved with manufacture, installation, removal, processing or handling of dioxins, urea formaldehyde, PCB's, asbestos or mold.
11. Risks with exposure to work at heights exceeding 25 feet or at depths in excess of 6 (10) feet.
12. PEO's, temporary labor service operations, staffing or employee leasing firms.
13. Mining including underground, surface and quarries; all forms of drilling (except water wells), tunneling or shaft sinking.
14. Manufacture, production, refining, storage, distribution, construction, maintenance or transportation of natural or artificial fuels or gases including but not limited to gasoline, LPG, propane or butane.
15. Manufacture, sale, distribution, storage, loading, handling, usage (including blasting), or transportation of ammunition, dynamite, fireworks, fuses, nitroglycerine, celluloid, pyroxylin or any other explosive.
16. Steel tank or pressure vessel testing, service, repair, installation or manufacture.
17. Manufacture, blending, processing or packaging of paints, solvents or chemicals.
18. Bridge construction, erection, repair or maintenance.
19. Oil or gas operations including but not limited to exploration, distribution, operations, construction, refining, distilling, repair or maintenance.
20. Electric power and light companies including operation, construction maintenance or repair.
21. All forms of mobile home manufacture, sales, installation, service or repair.
22. Twenty-four hour convenience stores or gasoline service stations.
23. Amusement parks or devices, exhibits including fireworks, carnivals, racing teams or circuses.
24. Pest control including but not limited to exterminators and fumigators.
25. Towing operations including repossession except if receipts from towing are less than 10% of total receipts for the operation insured by ACE Complete.
26. Demolition, blasting and wrecking operations.
27. Tobacco production or processing.
28. Pulpwood production, logging or sawmill operations.
29. Seasonal operations defined as operations occurring less than 9 months per year with less than 70% of the employees from the peak operational period.
30. Sandblasting operations.
31. Long haul trucking (more than 200 miles one way).
32. Moving and storage operations.
33. Window cleaning operations (exterior).
34. Prepared food delivery, retail (ex. pizzeria; does not include caterers).
35. Scaffolding contractors.
36. Union operations.
37. Roofing contractors.
38. Foundries.
39. Professional or semi professional sports teams.
40. Home based employees.
41. Domestic workers.
42. Environmental remediation contractors.
43. Volunteer labor (other than specified classifications).
44. Temporary labor other than clerical or administrative personnel.
45. Establishments where liquor sales account for more than 40% of receipts.
46. Lapsed Insurance risks (see section II. D.)
47. General contractors (5606) or Wallboard contractors (5445) when payroll from the class exceeds 25% of total policy payroll.
    (Note: Insured's that subcontract more than 50% of the work are ineligible for the Ace Complete Program)
48. Snow plowing operations.
49. Any risk in NCCI Hazard Group IV. (See Appendix A-Item 8)
50. Any classification and description not listed as eligible in the Class Code Eligibility section of the ACE online application.
51. Adult Day Care Centers