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Westchester’s Legacy Liability insurance offers primary general liability and excess coverage for exposures related to merger and acquisition activity or historic and future liability issues of clients.


  • Merger & acquisition liabilities (successor liability)
  • Commercial general liability
  • Mono-line products-completed operations
  • Isolated liability exposures (discontinued products/ laser coverage for specific products)
  • Liability trigger conversion (claims made to occurrence)
  • Retroactive limits of liability


Westchester Legacy Liability Coverage Application


  • Minimum premium: $25,000
  • Primary limits up to $2 million occurrence/$4 million aggregate
  • Excess Limits up to $15 million per occurrence/aggregate


  • U.S. companies of all sizes, especially those actively involved in mergers and acquisitions
  • Venture capital or private equity firms


  • Critical aircraft or auto parts and complete vehicle manufacturers
  • Invasive medical products manufacturers (defined as implanted in the body for more than 15 days)
  • Nursing home, hospital or social services owners or operators
  • Pharmaceutical, nutraceutical or herbal supplement manufacturers
  • Tobacco product manufacturers


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: