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
ACE Group personal lines in the U.S. are now marketed under the Chubb Personal Risk Services brand. Homeowners and recreational marine are positioned for affluent and high‑net‑worth clients, with a strong preference for well‑maintained, higher‑value properties and vessels. HOMEOWNERS – TARGET & PREFERRED BUSINESS • Focus on high‑value primary, secondary, and seasonal homes, often custom or significantly upgraded, typically owner‑occupied rather than tenant‑occupied. ([chubb.com](https://www.chubb.com/us-en/individuals-families/products/home/homeowners-insurance.html?utm_source=openai)) • Strong preference for clients who invest in risk mitigation: central station fire and burglary alarms, updated electrical/plumbing/roof, water shut‑off/leak detection, and other protective devices. Complimentary home appraisal and HomeScan services are used to evaluate construction, systems, and unique features. ([chubb.com](https://www.chubb.com/us-en/individuals-families/products/home/homeowners-insurance.html?utm_source=openai)) • Appetite for complex schedules combining home, valuables, autos, umbrella and specialty coverages under a single relationship; package accounts are favored over monoline property. HOMEOWNERS – GEOGRAPHIC & PERIL CONSIDERATIONS • Nationwide footprint with particular emphasis on higher‑value homes, including in coastal and hurricane‑exposed states, subject to local underwriting rules and wind capacity. ([chubb.com](https://www.chubb.com/us-en/individuals-families/products/natural-disasters/hurricane.html?utm_source=openai)) • In coastal and hurricane‑prone areas, underwriters closely consider elevation, construction quality, roof type, opening protection (impact‑resistant windows/doors, shutters), and adherence to modern building codes when evaluating acceptability and pricing. ([news.na.chubb.com](https://news.na.chubb.com/blog-2021-08-31-Risks-to-Consider-Before-Buying-a-Home-in-a-Coastal-or-Hurricane-Prone-Area?utm_source=openai)) • Availability of wind coverage, special deductibles, or mandatory hurricane protections may vary by state, county, and distance to coast; some high‑hazard zones may only be written as part of a broader package or may be restricted/declined if resilience standards are not met (inferred from Chubb natural catastrophe and hurricane guidance rather than a single published appetite grid). ([chubb.com](https://www.chubb.com/us-en/individuals-families/products/natural-disasters/hurricane.html?utm_source=openai)) HOMEOWNERS – RESTRICTED / DECLINED • Older, poorly maintained homes, homes with significant unaddressed loss history, or those lacking basic life‑safety protections are generally outside appetite. • Locations with severe catastrophe exposure (e.g., certain coastal, wildfire, or flood‑prone areas) may be subject to strict construction requirements, higher deductibles, or may not be available at all if risk controls and resilience standards cannot be demonstrated (inferred from Chubb’s public coastal and hurricane risk commentary). ([news.na.chubb.com](https://news.na.chubb.com/blog-2021-08-31-Risks-to-Consider-Before-Buying-a-Home-in-a-Coastal-or-Hurricane-Prone-Area?utm_source=openai)) RECREATIONAL MARINE (BOAT / WATERCRAFT) – TARGET & PREFERRED BUSINESS • Chubb Recreational Marine targets a broad range of personal watercraft from runabouts and ski/wake boats to motor yachts, trawlers, sport‑fishing yachts, express cruisers, and mega‑yachts. ([chubb.com](https://www.chubb.com/content/dam/aem-chubb-global/amc/pdf/chubb-recreational-marine-target-business.pdf?utm_source=openai)) • Clear preference for higher quality, well‑maintained vessels used for private pleasure (not bareboat charter or commercial use) with experienced owners and clean loss histories. ([chubb.com](https://www.chubb.com/us-en/individuals-families/resources/understanding-boat-insurance.html?utm_source=openai)) • Target profile includes operators with at least three years of ownership and operation experience on similar watercraft; incremental size changes (no more than ~10’ jump) are favored. ([chubb.com](https://www.chubb.com/content/dam/aem-chubb-global/amc/pdf/chubb-recreational-marine-target-business.pdf?utm_source=openai)) • Speed appetite is generally limited to vessels under approximately 70 mph; bass boats are acceptable up to around 75 mph subject to underwriting. ([chubb.com](https://www.chubb.com/content/dam/aem-chubb-global/amc/pdf/chubb-recreational-marine-target-business.pdf?utm_source=openai)) • Mega‑yachts (70’+ and approximately $3M+ hull values) with professional full‑time captains are specifically identified as a strong fit, including for high‑net‑worth clients and select marina partnerships. ([chubb.com](https://www.chubb.com/content/dam/aem-chubb-global/amc/pdf/chubb-recreational-marine-target-business.pdf?utm_source=openai)) RECREATIONAL MARINE – GENERAL UNDERWRITING & SURVEY EXPECTATIONS • Condition/valuation surveys by accredited marine surveyors (e.g., SAMS or NAMS) are a standard underwriting tool to verify condition, seaworthiness, and value. – No survey is typically required for smaller, newer boats up to about 27’ in length. – For boats 27’–35’, surveys are generally required once the vessel reaches roughly 25 years of age (often waived for strong package accounts). – For 36’+ vessels, salt‑water boats may require surveys at 15+ years of age and fresh‑water boats at 20+ years, usually within the last three years. ([chubbeducation.com](https://chubbeducation.com/wp-content/uploads/20-Chubb-Recreational-Marine-Tom-Knop.pdf?utm_source=openai)) • Underwriters pay particular attention to structural integrity, propulsion and fuel systems, electrical systems, navigation electronics, and evidence of ongoing maintenance in the survey report. ([chubbeducation.com](https://chubbeducation.com/wp-content/uploads/20-Chubb-Recreational-Marine-Tom-Knop.pdf?utm_source=openai)) RECREATIONAL MARINE – COASTAL / CATASTROPHE GUIDANCE (INCL. FLORIDA) • Appetite is strongest for vessels that meet robust storm‑plan expectations (e.g., haul‑out or hurricane tie‑down plans) and that can be moved or secured ahead of major storms (inferred from cat guidance and Florida appetite detail). ([chubbeducation.com](https://chubbeducation.com/wp-content/uploads/20-Chubb-Recreational-Marine-Tom-Knop.pdf?utm_source=openai)) • For many coastal accounts, especially Florida, underwriting may require: – Minimum windstorm and named‑storm deductibles (e.g., around 5% windstorm deductible for vessels 26’ and under, 10% windstorm and 10% live‑aboard/lay‑up or similar deductibles for 27’+). – Consideration of ex‑wind or ex‑storm options for otherwise desirable risks that do not meet full wind criteria. – Storage in hardened or hurricane‑rated facilities (e.g., CAT 5 / 150‑mph‑rated) for certain monoline or high‑exposure risks. ([chubbeducation.com](https://chubbeducation.com/wp-content/uploads/20-Chubb-Recreational-Marine-Tom-Knop.pdf?utm_source=openai)) • In Florida, internal guidance notes: – Preference for package business (home + marine, etc.); monoline watercraft is more constrained. – Miami‑Dade monoline appetite is generally limited to mega‑yachts; smaller monoline vessels are typically outside appetite. – Monroe County (Florida Keys) is broadly considered unacceptable for many monoline recreational marine placements. – Commission reductions may apply on new business in Florida to reflect higher cat exposure, without affecting renewals. ([chubbeducation.com](https://chubbeducation.com/wp-content/uploads/20-Chubb-Recreational-Marine-Tom-Knop.pdf?utm_source=openai)) RECREATIONAL MARINE – RESTRICTED / DECLINED • Generally outside appetite or heavily restricted: – Boats over stated speed thresholds (high‑performance, racing hulls). – Vessels with significant prior losses or poor survey findings not remedied. – Certain live‑aboard or charter exposures, commercial use, or unapproved navigational limits (inferred from Chubb recreational marine risk commentary). ([chubb.com](https://www.chubb.com/us-en/individuals-families/resources/understanding-boat-insurance.html?utm_source=openai)) – High‑hazard coastal zones without acceptable storm plans or secure storage. SUBMISSION & BROKER INSTRUCTIONS – HOME & MARINE • Business is written through appointed independent agents and brokers; retail producers should use the Chubb agent portal to access Personal Risk Services products. • For recreational marine, target‑business materials specify that producers should: – Submit business and obtain quotes via the ORCA system available through the Chubb Agent Portal, or – Complete the recreational marine submission form and email it to the dedicated underwriting inbox, or – Call the listed recreational marine underwriting/quote line for assistance. ([chubb.com](https://www.chubb.com/content/dam/aem-chubb-global/amc/pdf/chubb-recreational-marine-target-business.pdf?utm_source=openai)) • A “full submission” including completed application, recent condition/valuation survey (when applicable), experience/resume for operators, storm plan, and prior loss runs is recommended to allow complete underwriting review. ([chubb.com](https://www.chubb.com/us-en/individuals-families/resources/understanding-boat-insurance.html?utm_source=openai)) • Producers are encouraged to coordinate with Chubb sales and underwriting teams for exceptions, complex risks, and large schedules; appetite documents stress that the target‑business sheet is a marketing overview and not a full eligibility list, and that underwriting review ultimately governs acceptability. ([chubb.com](https://www.chubb.com/content/dam/aem-chubb-global/amc/pdf/chubb-recreational-marine-target-business.pdf?utm_source=openai))