Master Trust Program

Master Trust Insurance Program for Fiduciaries

For over three decades, SES has been the premier insurance partner for financial institutions, private trust companies, and wealth management firms serving as fiduciaries for real estate portfolios. We safeguard your portfolio under one powerful policy with one expiration date and one point of contact that drastically reduces administrative burden and potential exposure.

Our Master Trust program is pioneered from years of industry-leading expertise and is designed to reduce liability for fiduciary agents. With our SES Master Trust workflow tool, agents can easily make independent changes inside the policy to maximize their time without increasing their burden.

Total Insurance Management System

Portfolio management has never been easier than with TIMS (Total Insurance Management System), our proprietary platform that goes beyond the core post-bind activities needed for end-to-end policy administration of clients’ dynamic real estate portfolios.

Streamlined Portfolio Administration

TIMS simplifies portfolio management by enabling users to add, remove, and endorse properties, handle claims, and generate quick quotes. It also streamlines billing with tools for updating mortgage details, generating EOIs, and invoicing split ownership arrangements.

Advanced Reporting and Integrated Solutions

TIMS enhances operations with advanced reporting for transaction history, portfolio snapshots, and renewal tracking. It integrates with ISO 360Value®, property management APIs, and real-time document distribution for seamless automation.

Modern Features for Improved Efficiency

TIMS includes workflows with parameterized controls, a portfolio dashboard for alerts, and tools for task management and documentation. Centralized document storage and single sign-on (SSO) ensure a secure and efficient user experience.

Companion Coverage Offerings

Excess Earthquake and Flood

Catastrophic perils under the Master Trust are written with annual aggregates. The total values of the property portfolio and geographical characteristics may result in a need for higher limits. SES has secured XSDIC options from some of the world's largest carriers to offer higher catastrophic limits to better insulate property portfolios.

Excess Liability

Additional liability limits over the Master Trust are available on an individual basis. The utilization of a separate excess liability policy offers additional protection from third party exposures for a fiduciary’s trust asset portfolio. Excess liability coverage can act as a buffer between the Master Trust policy and corporate umbrella liability limits or may replace corporate umbrella liability limits altogether.