Top Section image
Background waves

PRODUCTS &
SERVICES

MASTER TRUST PROGRAMS

SES partners with several industry-leading “A” rated carriers to offer comprehensive Master Policies written in the name of the financial institution. The policies offer efficiency, consistency in coverage, broader terms, and are designed specifically for fiduciaries to cover residential, commercial, farm, and land asset types. Coverage also extends to personal property.

MASTER POLICIES

The package policy, with broad named insured wording, offers property and liability for real and personal property assets. Earthquake and flood coverage are also available. The policy contains unique wording for trust relationships and coverage that contemplates loss for situations that are often unique to trust property.

EXCESS EARTHQUAKE AND FLOOD

Catastrophic perils under the master policies 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 a follow form London program to offer higher catastrophic limits to better insulate property portfolios.

EXCESS LIABILITY

Additional liability limits over the master policy are available on an excess basis. Coverage is follow form to the primary (with some exclusions.) 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.

OTHER PRODUCTS AND RELATED SERVICES

SES continues to evaluate ways to expand and enhance its offerings. We currently offer external policy tracking for a few clients and are exploring lender placed insurance solutions. If there’s an opportunity to add further value in the marketplace, we’re listening.

Download PDF

SES has been a great business partner. Their people focus on doing the right thing for all their stakeholders. I especially appreciate the energy each person gives while working toward our common goal of delivering reliable insurance solutions.

Marissa Mandado

Assistant Vice President, Marsh

Our experience with the Master Trust Program has been very good. The portal is very easy to use, whether creating a report or obtaining a quote. Even the claim process is easy. The response time from SES associates is very good. Overall, I think it has been a good fit for our business.

Joyce Anne Green

Senior Vice President, Simmons Bank

The people at SES make the difference! Their response time is exceptional. The efficiency of the entire team is unbeatable. The reporting portal for customers is user friendly and geared perfectly toward their needs. I can’t imagine having our bank customers with anyone else but SES!

Nancy Deer

Commercial Account Manager, HJ Spier

SES has been a great business partner. Their people focus on doing the right thing for all their stakeholders. I especially appreciate the energy each person gives while working toward our common goal of delivering reliable insurance solutions

Kevin Iwanicki

Director of Specialty Operations, Rockingham

SES has been the ideal business partner for us to grow, serve, and retain business. They are the rare combination of a company that not only has great technology, but even better people. Their employees care about writing and retaining business, and SES will work to make sure you and your agency can prosper alongside them. The TIMS system allows my employees to easily serve our mutual clients, and SES is constantly working to refine and improve the user experience for both their agents and their clients. Our relationship with SES has definitely helped us gain efficiency and improve our bottom line.

I have worked with SES for nearly 10 years. What continues to set SES apart are the following critical success factors:

  1. Billing and Payment Support: The SES Bill Payment Portal and online payment support is outstanding. I rarely get asked billing questions anymore thanks to these tools, but when I do, the team is quick to respond within one business day with detailed answers. The issues often are resolved immediately.
  2. TIMS: I could not run my business without TIMS. This is hands down the best tool in the REA insurance industry. To be able to dynamically add, delete, modify, and print COIs is a game changer for my business.
  3. REIT Program Product: The package program, property and liability, is what makes the SES program ideal for major real estate investors and REITS. The policy form meets or exceeds nearly all popular lender requirements, which enables financing and refinancing for my customers.

Lee Rogers

President, Real Protect