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ABOUT THIS COVERAGE

Westchester’s Foreign Supplier Liability insurance is designed for U.S.-based companies purchasing or distributing completed products or component parts from foreign suppliers. It insures both the U.S.-based company and designated foreign suppliers against product liability claims that arise from the U.S. company's sale or distribution of foreign sourced or manufactured products.

Coverages:

  • Domestic U.S. Primary and Excess Coverage
    • Primary ISO 2007 products-completed operations form
    • Program structure options: guaranteed cost, deductibles, self-insured retentions and fronted captive basis
    • Non-admitted basis to provide freedom of rate and form
    • Occurrence or claims made basis
    • U.S. distributor listed as first named insured on policy;
    • Each designated foreign supplier added individually to policy as additional insured
    • Differentiated rates provided by product category
    • Up to a three-year extension of coverage for U.S. distributor for discontinued suppliers
    • General aggregates available on per supplier basis, subject to policy level cap
    • Option to add suppliers throughout policy term (subject to underwriting criteria and acceptance)
    • Catastrophe management coverage extension available
    • Zero collateral required for deductible policies for qualified insureds
  • International Coverage
    • Program structure can match domestic U.S. coverage grants and structure
    • Option for contingent coverage
    • Worldwide suits coverage available, via endorsement to domestic U.S. policy (coverage for claims that occur anywhere in the world and suits brought both in the U.S. and overseas, where available and permissible by law)
    • Option for global coverage for subsidiaries on an excess DIC basis, or on an in-country basis through placement of local Westchester policies in foreign countries.
  • ESIS® Third-Party Administered Claim and Risk Control Services
    • Claims handling on self-insured retention can be provided by Westchester claim service affiliate, ESIS, Inc., another acceptable TPA, or self-administered, subject to the provisions of the policy. All deductible policies are quoted utilizing Westchester claims handling
    • Domestic U.S. and international risk control services available, provided and coordinated by ESIS globe staff and affiliates

APPLICATIONS

Westchester Foreign Supplier Liability Coverage Application

MINIMUMS

  • For U.S. coverage: $50,000

LIMITS

  • U.S. coverage: primary limits up to $5 million occurrence / $10 million aggregate with excess limits available 
  • Foreign coverage option: primary up to $2 million per occurrence / $4 million aggregate
  • General aggregates available on a per supplier basis subject to underwriting review

PREFERRED CLASSES

U.S. based companies of all revenue sizes, including:

  • Distributors
  • Importers
  • Manufacturers sourcing components outside the U.S.
  • Retailers
  • Wholesalers

RESTRICTED CLASSES

  • Critical aircraft or auto parts manufacturers & complete vehicle manufacturers
  • Invasive medical products manufacturers (defined as implanted in the body for more than 15 days)
  • Pharmaceutical, nutraceutical or herbal supplement manufacturers
  • Tobacco products manufacturers

ABOUT WESTCHESTER

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 www.chubb.com. Westchester is a division of Chubb, the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, 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. 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 and other locations, and employs approximately 30,000 people worldwide. Additional information can be found at: www.chubb.com

 

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