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
Official U.S. carrier is Chubb (ACE American Insurance Company and affiliated Chubb underwriting companies). For the requested personal recreational marine focus, Chubb’s current official target-business guide remains the verified underwriting/appetite document. Preferred business includes privately owned, pleasure-used watercraft; inland lake boats including 18-foot lake boats; west-coast watercraft; LLC-owned watercraft where otherwise eligible; vessels with maximum speed under 70 mph, with bass boats acceptable up to 75 mph; operators with at least 3 years of ownership/operating experience on similar craft; first-time owners for boats up to 26 feet and up to 70 mph; watercraft 15 model years old or newer; and mega-yachts with a full-time captain, generally 70'+ and $3M+ hull value. Chubb states there is no minimum vessel length or value and that it writes risks coast-to-coast, including inland states. Examples of insured classes shown are ski/wake boats, bowriders, center consoles, trawlers, sportfishing yachts, express cruisers, and motor yachts. Retail consumer boat product pages indicate standard personal boat appetite for pleasure boats 35 feet and less plus personal watercraft, with yacht products handled separately. Restricted/declined classes are not presented as a formal decline list on the verified guide; however, risks outside the stated appetite markers—such as non-pleasure use, higher-speed craft beyond stated thresholds, older vessels beyond the preferred age range, inexperienced operators beyond the stated first-time-owner parameters, or atypical ownership/usage—should be treated as referral/uncertain and submitted for underwriting review rather than assumed eligible. Geographic notes: guide affirmatively references west coast, east coast, and inland waters; all products may not be available in all states, and surplus lines business is available only through licensed surplus lines producers where applicable. Submission/broker notes: Chubb specifically says a full submission should be made for complete underwriting review for acceptability. Quoting/submission options listed are ORCA via the Chubb Agent Portal, emailing recreational.marine@chubb.com, or calling (800) 248-2275. The agents & brokers site confirms the Chubb Agent Portal is the main gateway for quoting and managing business. The personal lines marketing center is the verified producer resource hub for personal lines materials and support.