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The Westchester Small Business Lessor’s Risk Product protects owners of rental property from lawsuits and damages. Real estate owners are protected from legal action by lessees or clients of a lessee in the event of bodily injury or property damage while in the owner’s space.

Westchester Small Business Lessor’s Risk coverage is offered under the following classifications:


Class Code

Rating Basis

Lessor's Risk Maintained by insured

61217 Area
Lessor's Risk Maintained by tenant(s) 61212 Area
Lessor's Risk Land leased to others 45539 Acres
Parking Public - Shopping Centers - Maintained by the insured - Incidental Only 46607 Area
Parking Public - Shopping Centers - Maintained by the leassee - Incidental Only 46606 Area
Parking Private - Incidental Only 46622 Area


  • Up to 25,000 square feet
  • Up to 3 stories
  • Eligible tenants include, but are not limited to retail or service businesses, offices, and apartments 


  • Business owners package coverage form that automatically includes over 15 unique coverage enhancements
  • Up to $2,500,000 in total Property values
  • Business Income coverage offered on an Actual Loss Sustained basis up to $250,000
  • Up to $1,000,000/$2,000,000 in General Liability limits
  • Ability to entertain restaurant tenants with commercial cooking exposures
  • Ability to consider public or private parking exposures
  • New class for Land Leased to Others – up to 1,000 acres


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: