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Westchester Small Business offers a variety of competitive insurance solutions for small businesses offered on a non-admitted basis. Coverage options can include General Liability, Property, Package (General Liability/ Property) and Umbrella.


  • General Liability: $1M occurrence/$2M aggregate limits.
    • Standard optional coverages include Hired and Non-owned Auto Liability.
  • Umbrella: Available limits of $1M to $5M.
  • Property: Up to $2.5M TIV for most classes and states.
    • Ability to offer Special cause of loss form & Replacement Cost for eligible buildings constructed 1900 or later; can consider property constructed prior to 1900 on a Functional Replacement Cost basis.

Why Westchester Small Business

  • Mono-line coverage premium starting at $500**; Package premium starting at $1,000.
  • New ventures are eligible.
  • Dedicated Underwriting Team that often can provide same day turnaround.
  • Wholesale exclusive market.

Target Classes

  • Vacant Land / Vacant Buildings
  • Lessor’s Risk Only
  • Artisan Contractors
  • 1-4 Family Dwellings
  • Condo, Community and Homeowner’s Associations
  • Office and Professional Services
  • Retail / Mercantile
  • Non-Profit / Social Services
  • Special Events


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: