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Cyber risks are enterprise risk issues that require enterprise risk management solutions. With Westchester's Cyber ERM policy, you have access to a distinctive level of cyber protection that only Westchester can offer: market-leading cyber insurance accompanied by extensive loss mitigation and incident response services.

Key Features:


  • Broadened definition of Technology Incident
  • Coverage available for software copyright infringement and Product Recall Loss of Use
  • No exclusions for Delays or Failure to Deliver
  • Industry-leading coverage designed to address evolving regulatory, legal and cybersecurity standards and built to consider future changes
  • Easy-to-read form:
    • Structure aligned with the flow of a typical incident
    • Presentation of Cyber Incident Response Expenses aligned with the typical flow of decision-making throughout an incident
  • Clearly labeled exclusions with competitive carve-backs
  • Payment Card Loss coverage built into the base form
  • Discovery-based coverage at a Control Group level
  • Includes enhanced Business Interruption and Extra Expense language
  • Broadened definition of Protected Information includes biometrics, internet browsing history and personally identifiable photos and videos
  • Extortion Expenses explicitly include Bitcoin and other cryptocurrencies
  • Coverage Territory applicable to anywhere in the universe to address continued evolution of hosting and data storage
State Availability:

  • AL, AR, AZ, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, RI, PA, SC, SD, TN, TX, UT, WI, WV
  • *additional states will go live in the months to come


  • Leading provider of technology and cyber risk solutions since first product was launched over 30 years ago
  • Extensive claims experience – helped notify more than 300 million individuals of a privacy breach
  • Market-leading, highly customizable solutions to address clients’ unique needs, regardless of size, industry or type of risk
  • Cybercrime coverage by endorsement or explicitly provided under separate cover from Chubb’s industry-leading Fidelity and Crime products
  • Cyber Incident Response Expenses with expansive consumer-based solutions that are ahead of regulatory requirements
  • No minimum premiums; premiums scale for all sizes of risks based on scope of coverage and limits
  • Market-leading Fast Track quoting platform offers online quoting and real-time policy issuance for eligible small risks. Referred risks will receive fast turnarounds from your Chubb underwriter




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: