ACE Limited (ACE) operates as an insurance and reinsurance company. The Company offers commercial insurance products and service offerings, such as risk management programs, loss control and engineering and complex claims management. It provides specialized insurance products ranging from Directors & Officers (D&O) and professional liability to various specialty-casualty and umbrella and excess casualty lines to niche areas, such as aviation and energy. It also offers personal lines insurance coverage, including homeowners, automobile, valuables, umbrella liability, and recreational marine products. In addition, the Company supplies personal accident, supplemental health, and life insurance to individuals in select countries. During 2013, the Company acquired Fianzas Monterrey and ABA Seguros. The Company operates through five business segments: Insurance – North American P&C; Insurance – North American Agriculture; Insurance – Overseas General; Global Reinsurance; and Life.