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Westchester’s Commercial General Liability and Commercial Products Liability coverage offers proprietary parts and endorsements tailored to the specific needs of insureds. It provides current ISO general liability coverage parts and standard ISO endorsements, with claims made or occurrence coverage triggers.


  • Flexible to fit exposure
  • Minimum deductible $25,000
  • Minimum SIR $25,000


  • 12,000 seat arena
  • Animal shelter
  • Anti-theft shopping cart system manufacturing
  • Apartment complexes
  • Auto convertible top manufacturing
  • Auto-lift system manufacturing
  • Automotive wax / cleaner manufacturing
  • Bars / taverns / nightclubs
  • Baseball sporting products manufacturing
  • Board game manufacturing
  • Boat stands / trailer manufacturing
  • Boat steering manufacturing
  • Bus manufacturing
  • Cabinet manufacturing
  • Car wash system manufacturing
  • Catering hall
  • Chain of wine stores
  • Ambulance chassis / power train manufacturing
  • Comedy club
  • Discontinued products
  • Electric car manufacturing
  • Fitness facility
  • Gentlemen’s club
  • Golf cart dealer
  • Homeowner associations
  • Industrial oven / auto clave machine manufacturing
  • Ink manufacturing
  • Interior / exterior door manufacturing
  • Hand power tool manufacturing
  • Lumber yard
  • Military gun manufacturing
  • Mini hovercraft manufacturing
  • Mobile home park property manager
  • Modular classroom manufacturing
  • Non-profit organization
  • Ornamental metal fabricator
  • Plastics additive manufacturing
  • Power washer manufacturing
  • Pumpkin patch
  • Racing tire manufacturing
  • Restaurants
  • Ski resorts
  • Special events
  • Stove manufacturing
  • Submersible pump motor manufacturing
  • Surfboard with wheels manufacturing
  • Truck box body manufacturing
  • Wheel loader tires manufacturing
  • Wine bottle opener manufacturing
  • Zip line operation


  • Aviation products:  critical parts, defined as necessary for flight
  • Building materials:  residential use
  • Child safety products
  • Fertilizers, herbicides, insecticides and pesticides:  to include blending of final product
  • Medical products:  invasive
  • Nutraceuticals
  • Pharmaceuticals: ethical and over the counter (OTC)
  • Tobacco products
  • Toys


Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Westchester is a division of Chubb, a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: