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Funded Deductible Plan

Designed exclusively for primary casualty buyers who want an alternative to incurred loss retros or traditional deductible programs.

Coverage Highlights


  • Experienced underwriting teams dedicated to risk-financing program structures
  • Willingness to entertain “tougher” industries and classes of risk
  • Lower administration costs than those associated with a rent-a-captive structure
  • Guaranteed investment income credit for life of the program
  • Dedicated administration
  • Pre-determined loss development factors at designated adjustment intervals
  • Admitted policies issued by Chubb to fulfill statutory requirements
  • Certificates of Insurance to evidence full coverage and limits as stated on policy
  • Fully bundled claims management and loss prevention programs through ESIS, Inc. Chubb’s risk management services company
  • Availability to Chubb's full product offerings including umbrella/excess, professional and management liability, environmental, international and property


Working cash collateral available for:

  • Workers Compensation (WC)
  • General Liability (GL) and Products Completed Operation
  • Automobile Liability (AL) and Physical Damage (PD)


  • Companies with initial expected losses of $500,000 or more within their selected deductible/retention
  • $100,000 per accident for WC
  • Lower retentions may be considered for AL and GL


  • Statutory for WC
  • Capacity up to $10 million for AL and GL

Client Profile

Clients include public and privately held companies, companies with strong financial histories or growth opportunities, firms engaged in spin-offs, mergers, acquisitions or other related private equity transactions, and companies with established health, safety and environmental programs.


Lou Capparelli
(312) 775-3116

Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers.

Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: