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Westchester’s Specialty Core Solutions offers individualized account casualty programs for companies with challenging exposures on small deductible, SIR, or guaranteed cost program structures.  Preferred clients have harder-to place product and/or premises exposures that present a high severity/low frequency claim potential.


Primary General Liability

  • For qualified risks on an admitted basis in all 50 states and D.C.
  • Non-admitted coverage available for insureds with unique risks
  • Occurrence or claims made basis
  • ISO policy forms
  • Environmental impairment coverage available, including sudden and accidental BI/PD (named peril and time element) and options to include remediation and expense coverage
  • Claims handling within self-insured retention can be provided by claim handling affiliate, ESIS, Inc., another acceptable TPA, or self-administered, subject to policy provisions.
  • Deductible policies quoted utilizing Westchester claim handling
  • Zero collateral required for deductible policies for qualified insureds
  • Catastrophe management coverage extension with sub-limit of $250,000 for select risks
  • Liquor liability coverage extension with $1M limit available where needed
  • World-wide products coverage available
  • Stop gap coverage in monopolistic states available when there is no other workers compensation insurance
  • Standalone premises or products coverage available

Primary Commercial Automobile 

  • Admitted basis via use of ISO policy form
  • Liability and physical damage coverage available
  • Hired and non-owned coverage only available
  • Low minimum premium available to facilitate primary general liability placements

Lead Umbrella 

  • Coverage written on ISO based policy form
  • Coverage available for qualified risks on admitted basis in all 50 states
  • Schedule of underlying insurance can include employers liability coverage provided by a non-Westchester policy, subject to a minimum insurer financial rating of A- VI by A.M. Best

Buffer Excess General Liability

  • For qualified risks on admitted basis in all 50 states and D.C.
  • Non-admitted coverage also available for unique risks
  • For Westchester primary insured risks


  • Minimum premium:
    • $25,000 lead umbrella
    • $25,000 primary general liability
    • $100,000 buffer excess general liability
  • Minimum attachment points:
    • Primary general liability:  $25,000 self-insured retention, or $1,000 deductible or first dollar if applicable
    • Primary commercial automobile: first dollar/guaranteed cost
    • Lead umbrella: $1 million general liability and primary auto; $500,000 employers' liability
    • Buffer excess general liability:  $1 million in total underlying insurance


  • Primary general liability: Limits up to $1 million occurrence/$2 million aggregate with higher limits available for select risks
  • Primary commercial automobile:  $1 million combined single limit
  • Lead umbrella: $10 million occurrence / $10 million aggregate with higher limits available to $25 million for select risks
  • Buffer excess general liability:  Limits up to $5 million occurrence/$5 million aggregate with higher limits available for select risks


  • U.S.-based companies of all revenue sizes, including:
    • Product manufacturers of all types, from light to heavy industrial (incidental installation exposures acceptable)
    • Premises and service/operational risks with high claim severity exposure
    • Insureds with historically limited options in standard market
    • Insureds with unique attributes that require underwriting, coverage and pricing flexibility (admitted and non-admitted coverage available)
    • Insureds with a variety of dissimilar operations and compressed time schedules (Private Equity Groups)


  • Pharmaceutical manufacturers
  • Critical aircraft or critical auto parts manufacturers
  • Invasive medical products manufacturers (defined as implanted in the body for more than 15 days)
  • Tobacco products manufacturer
  • Lead umbrella coverage is written only in companion to Specialty Core primary general liability placements
  • Primary commercial automobile coverage is written only in companion to the larger Specialty Casualty primary general liability placements
    • Trucking/transportation risks are not accepted
    • Fleet composition must be below 200 total units and less than 30 percent classified as Heavy, Extra Heavy or Truck Tractor


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: