ACE Private Risk ServicesSM

Family Blanket Policy – A Flexible, Innovative Solution

ACE PrivateRisk Services

Seven Giralda FarmsMadison, NJ

07940

973-408-6000 main973-408-6123 fax

In today’s challenging economic environment, asset protection is a priority for families of extraordinary means. As your clients accumulate wealth, the complexity of their insurance needs increases significantly, often requiring the use of multiple insurance policies to address the full scope of their asset protection requirements.

ACE Private Risk Services understands your clients’ need for simple, flexible solutions to their complex insurance needs. We are pleased to offer your clients a streamlined approach that consolidates all their insurance coverages into one comprehensive, customized coverage solution called a Family Blanket Policy.

What is Family Blanket Coverage?

A family blanket policy can combine a wide range of personal insurance protection – homes, personal liability, personal property and collections – into one seamless, non-admitted policy that is easy for you to manage and explain to your clients.

When to Use Family Blanket Coverage

�Does your client have a number of large properties in multiple states? Do those locations have varied exposures – wind, flood, earthquake, etc.?

�Do you represent a sophisticated client who would consider unique retention strategies in order to control costs?

�Do you represent an ultra high net worth individual, family group with multigenerational wealth, or a group of non-related wealthy individuals?

Advantages of Family Blanket Coverage

Coverage

� Single coverage form – consistent application of coverage regardless of state (eliminates gaps in coverage).

� One per occurrence aggregate limit for all properties and assets provides enough coverage if a loss occurs at any one of them.

� Freedom of rate and form – negotiable special limits (i.e. flood, wind, earthquake, mold, etc.) and added coverages.

� A la carte approach provides greater flexibility to customize coverage limits.

� Backed by ACE – rated A+ for financial stability by A.M. Best and S&P, giving your clients peace of mind.

Pricing

� Individual account pricing based on specific exposures, options, and loss history.

� High-deductible options and stop losses to control costs.� Loss-free credits and rate guarantees available.

Ease of Administration

� One policy, one bill – saving you and your client both time and paperwork.� Ability to add a number of owners of multiple properties as named insureds on a single policy.

� A dedicated team (underwriter, risk consultant, and claims adjuster) working together to serve the distinctive needs of your most important clients.

� Use of admitted cancellation provisions.

Copyright © 2009

This product is available on a surplus lines basis only, and only through properly licensed excess and surplus lines brokers in accordance with applicable law. In keeping with those laws, this brochure is made available upon request solely for informational purposes, and is not intended to be a solicitation to purchase or offer to sell. This brochure does not contain a complete description of all terms, exclusions and conditions in the policy, and accordingly should not be relied upon by brokers or potential insureds; brokers interested in this product should request a specimen copy of the policy itself for the precise scope and limitations of coverage. Issuance of coverage is subject to underwriting by the insurer, and is not available in all states.