ACE Private Risk ServicesSM

Family Blanket Policy – A Flexible, Innovative Solution

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.
ACE Private
Risk Services Ease of Administration
Seven Giralda Farms
Madison, NJ
 One policy, one bill – saving you and your client both time and paperwork.
07940  Ability to add a number of owners of multiple properties as named insureds on a single policy.
973-408-6000 main
 A dedicated team (underwriter, risk consultant, and claims adjuster) working together to serve the
973-408-6123 fax distinctive needs of your most important clients.
 Use of admitted cancellation provisions.

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.

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