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Small business owners can purchase a monoline or General Liability package for a wide variety of operations.

  • Max GL Limit $1,000,000/$2,000,000


  • Professional Lines
  • Service Businesses
  • Retail Stores 
Description - Retail Business Class Code
Bookbinding 51516
Camera and Photographic Equipment 10309
Cosmetic, Hair or Skin Preparation Stores 11234
Funeral Homes 43889
Taxicab companies (no HNOA offered) 68001
Health or Natural Food Stores 13720
Stores NOC - Food or Drink (referral) 18435
Stores NOC - No Food or Drink (referral) 18437
Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening - new goods 59722


  • Addition of nine new eligible classes
  • Ability to offer Professional Liability for specific classes – now including Beauty Salons!
  • Up to $6,000,000 in annual sales


  • Dentist Offices
  • Medical Offices
  • Employment Agencies
  • Insurance Agencies
  • Photographers
  • Real Estate Agencies
  • Accounting Offices
  • Barber Shops
  • Opticians
  • Bookkeepers
  • Law Offices
  • Bookstores
  • Florists
  • Gift Shops
  • Hardware Stores
  • Beauty Salons
  • Shoe Repair


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: