SES has consistently offered access to all admitted insurance markets for Master Trust Business. In addition, SES continually looks for product needs and works with carriers to develop an understanding of those needs. Sometimes those needs exceed the boundaries of the Master Trust Policy (MTP). SES has sought other avenues to meet those needs.
Master Trust Policies
Coverage is secured through "A" rated carriers (Best's), with the policy written in the name of the financial institution. The package policy provides property, liability, earthquake and flood coverages for residential, farm and commercial properties. The policy contains unique wording for trust relationships and coverage that mitigates loss for situations that are often unique to trust property.
Excess Earthquake and Flood
Catastrophic coverages under the Master Trust Policies are written with annual aggregates. This product, offers higher catastrophic limits that may be necessary to adequately protect trust assets.
Products
Excess Liability
Higher liability limits over and above the Master Trust Policy are available with the aggregate applying in the same manner as the primary - per trust or per location. The utilization of a separate excess liability policy protects the financial assets of the individual accounts. The coverage can act as a buffer between the Master Trust Policy and Corporate liability limits or replace Corporate liability limits (for trust accounts) altogether. This is a proprietary product underwritten by Great American.
Other Products
SES continues to evaluate ways to expand and enhance its offerings. If there's an opportunity, we're listening.
For more information contact us.
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