ACE Group
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Brand/structure: ACE Group personal lines in the U.S. now operates under the Chubb/Chubb Personal Risk Services brand. ACE American Insurance Company is the underwriting company on many legacy ACE policies; operationally, treat ACE Private Risk and Chubb Personal Risk as one high‑net‑worth platform for current appetite and placement. ([chubb.com](https://www.chubb.com/us-en/claims/ace-private-risk-services.html?utm_source=openai)) Preferred business – Homeowners: - High‑value primary residences and secondary homes, typically for affluent and high‑net‑worth clients (often $1M+ coverage A or equivalent rebuild cost). - Well‑maintained, modernized homes with updated electrical, plumbing, roof, and heating; strong loss prevention features (alarms, sprinklers, monitored security, wildfire or hurricane mitigation where applicable). ([chubb.com](https://www.chubb.com/us-en/individuals-families/products/home/homeowners-insurance.html?utm_source=openai)) - Desire for package placement: home, auto, umbrella, and valuables with one carrier to maximize credits and retention; multiline accounts are strongly favored over monoline home or single‑line placements. ([chubb.com](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/chubb-what-have-we-written-lately-southeast-q1-2020.pdf?utm_source=openai)) Boat / watercraft – preferred: - Well‑maintained pleasure craft used for private/recreational purposes only (no commercial chartering or racing exposures without underwriter sign‑off). - Yachts, sailboats, and quality small boats written as part of a broader personal package with high‑value home and umbrella. Appetite extends to high‑performance or classic boats on a selective, underwriter‑referred basis through ACE/Chubb recreational marine facilities. ([eqgroup.com](https://www.eqgroup.com/ace_private_risk/?utm_source=openai)) Restricted / underwriter‑referral risks – Home: - Properties in catastrophe‑exposed areas (wind/hurricane, brush/wildfire, quake, flood‑prone zones). Expect inspection, mitigation requirements, higher deductibles, or separate wind/flood solutions; wildfire‑exposed homes may be steered into mitigation programs (e.g., Property Guardian reports and on‑site risk consulting). ([propertyguardian.com](https://www.propertyguardian.com/chubb/?utm_source=openai)) - Very old construction without comprehensive system updates; mixed‑occupancy or partial commercial use; unique structures or heavy custom construction that complicates valuation. - Monoline home without accompanying auto/umbrella for true HNW clients—often still possible but usually requires demonstrated account rounding potential. Declined / generally undesirable: - Primary use as rooming houses, short‑term rental platforms, or other quasi‑commercial occupancies. - Significant prior losses, uncorrected life‑safety hazards, or insureds unwilling to undertake recommended risk‑mitigation work from ACE/Chubb risk consultants. - Commercial or for‑hire boat operations placed on personal watercraft forms (charter, livery, commercial fishing, racing teams); these are typically referred to commercial marine or declined. ([eqgroup.com](https://www.eqgroup.com/ace_private_risk/?utm_source=openai)) Geographic notes: - ACE/Chubb personal lines operates nationally with state‑by‑state product availability; not all products or limits are available in every state and some CAT‑heavy counties are restricted or capacity‑managed. ([chubb.com](https://www.chubb.com/us-en/individuals-families/products/home/homeowners-insurance.html?utm_source=openai)) - Wildfire‑ and climate‑exposed territories are actively managed via resilience and mitigation programs; expect pre‑bind underwriting questions about defensible space, construction materials, and local fire protection. ([propertyguardian.com](https://www.propertyguardian.com/chubb/?utm_source=openai)) Submission and workflow expectations (agents/brokers): - Producers must be appointed with ACE/Chubb personal lines or work through an appointed wholesale/retail partner. The ACE Private Risk Services agent site centralizes producer appointment information, legacy Fireman’s Fund migration details, and system access. ([acegroupx.com](https://acegroupx.com/us-en/individuals-families/agent-broker-information.aspx.html?utm_source=openai)) - New business is submitted via Chubb/ACE producer online platforms or approved comparative raters, with full account rounding encouraged (home, auto, umbrella, valuables, watercraft). Include: detailed home characteristics, construction year and updates, prior carrier and loss history, any wildfire/flood/quake mitigation, and full schedule of watercraft including use, lay‑up location, navigation territory, and prior losses. - Expect pre‑bind and post‑bind inspections for larger homes and select boats/yachts; underwriters rely heavily on loss control and may require completion of recommended improvements as a condition of ongoing coverage. Broker/producer notes: - Market positioning is "high‑touch, high‑value" with emphasis on risk consulting, complimentary appraisals, and advanced diagnostics (e.g., HomeScan) to identify and correct issues before losses occur; agents should lead with risk‑management value, not just price. ([chubb.com](https://www.chubb.com/us-en/individuals-families/products/home/homeowners-insurance.html?utm_source=openai)) - For legacy ACE‑branded personal lines policies, service, claims, and most renewals are now administered under the Chubb Personal Risk Services framework; treat these as the same underwriting philosophy and service standard unless a policy specifically indicates otherwise. ([chubb.com](https://www.chubb.com/us-en/claims/ace-private-risk-services.html?utm_source=openai)) Operationally, use Chubb Personal Risk/ACE Private Risk producer resources for the most current appetite and system instructions, and route unusual home or watercraft risks to underwriting for pre‑submission discussion rather than quoting blind.