skip to main content


We specialize in developing customized niche program solutions for program administrators and managers to help them build programs that succeed. We focus on risk transfer programs for a wide range of commercial businesses on either an admitted or non-admitted basis. For a wide range of complex risks not easily covered by more traditional policy, this suite of solutions offers broad, flexible coverage combined with our financial strength and expertise.

Key Competitive Advantages:

  • "A++" rated paper (A.M. Best)
  • 50 state capability
  • Dedicated Programs Group
  • Admitted and non-admitted paper
  • Package and auto rating/policy issuance system that can be out boarded
  • Claims, In-house or TPA and loss control capabilities

Lines of Business:

  • Single line or multi-line
  • Package
  • Property
  • General Liability
  • Umbrella/Excess, in support of other lines
  • Inland Marine
  • Professional Liability
  • Tailored coverage enhancements for specific program/customer group
  • Workers Comp, In support of other lines


  • Ancillary P&C for Aviation Operations
  • California Private Schools (Montessori and Pre K-6)
  • Carnivals & Amusements
  • Community Association Management Liability
  • Computer & Technology Professional
  • Fairs & Festivals
  • Fine Dining Restaurants
  • Habitat For Humanity 
  • Media and Broadcasters Liability
  • Musical Instruments
  • On Shore Energy
  • Pet Insurance
  • Real Estate
  • Rodeos
  • Texas Community Associations
  • Umbrella
  • Welding Supply Distribution


  • Program Overview, including
    • Demographics
    • Competition
  • Historical Experience
    • 5 year premium/loss data by line of business, by year
    • Outside actuarial analysis if available
    • Rate trend information
    • Limits profile and distribution
  • Marketing/Business Plan
  • Program Specifics/Underwriting Template
    • Underwriting criteria, outlining program eligibility
    • Pricing methodology
    • Specialized coverage forms that will be required
    • Property Limits Profile
  • Systems/Automation Capabilities
  • Claims/Loss Control needs and issues
  • Background/Resumes of Key Personnel

We understand that “not one size fit’s all” when it comes to program appetite, but the following are the key common characteristics we look for when evaluating a potential program opportunity.

  • Current program administrators with underwriting authority
  • History of strong underwriting and demonstrated results
  • Specific industry expertise
  • Underserved, perceived as difficult, or unique product and/or service approach to specific class
  • Homogeneous group or common industry
  • Consistent coverage, limits and underwriting requirements
  • Premium Targets are based on geographic scope.
    • State or Regional – minimum of $5 million
    • National – minimum of $10 million
  • First dollar programs – limited appetite for fronted, captive or risk sharing structures.


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: