skip to main content


Westchester’s Umbrella Liability coverage is written on ISO umbrella form. It covers current ISO umbrella coverage parts and ISO endorsements with occurrence based or claims made forms. Straight excess coverage is available, as are coverage enhancements. Constructions risks may be offered with the following coverage features:  project specific coverage; extended products/completed operations coverage; term of project policies; annual aggregate reinstatements; and is offered on a stand-alone or support basis.


  • $25,000 annual policy premium; may go lower by exception
  • $2,000 per million


Capacity: $25 million occurrence/aggregate

  • Commercial construction
  • Manufacturers
  • Energy and mining
  • Hotels and casinos
  • Municipalities
  • OL&T
  • Non-consumer products liability
  • Rail related products


$5 million maximum limit for crane accounts with tower cranes or crane work in New York

  • Street/Road Contractors
    • Excess of $5 million
    • $10 million in limits if attachment is written first $25 million of limits
  • Fleets
    • Fleets over 250 units – lead umbrella - $2 million attachment on Auto required; $10 million in limits within first $25 million attachment
    • Fleets over 1,000 units – lead umbrella - $5 million attachment on Auto required; $10 million in limits within first $25 million attachment 


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: