For an optimal site experience, we recommend using a different browser.
Using Internet Explorer may prevent you from accessing, and some site features may not function as expected.

skip to main content


Even the smallest employee dispute can turn into expensive litigation. Spurred by federal legislation, monetary awards for employment-related claims - for harassment, discrimination, wrongful termination, retaliation, defamation, unfair hiring practices, and other workplace torts - are steadily rising, with no end in sight. Employment-related claims can have a serious financial impact on your bottom line. Westchester specifically developed this policy with the EPL exposures of private companies in mind.


  • Enhanced reporting provision when renewed with Westchester
  • Coverage for insured persons’ spouses and domestic partners for such insured persons’ wrongful acts
  • Subject to the applicable aggregate limit of liability, no cap on Westchester's liability in the event the insured refuses to consent to a recommended settlement
  • Definition of Loss includes punitive, exemplary, and multiplied damages, where permitted by law, in the venue most favorable to the insured
  • Coverage for sold subsidiaries, whether sold before or during the policy period, continues during the policy period for acts committed during time as a subsidiary
  • Bilateral extended reporting period; any insured has right to purchase
  • Coverage is fully non-rescindable


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, 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: