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The Social Services product from Westchester Small Business safeguards organization assets and expands as organization needs and responsibilities grow.


Description Class Code Rating Basis
Counseling Services - Not-for-Profit 65171 Area
Food Bank or Soup Kitchen - Not-for-Profit 9261 Area
Health Care Clinic - Not-for-Profit - Premises Liability 63981 Area
Historical Societies - Not-for-Profit 65171 Area
Horticultural Societies - Not-for-Profit 65171 Area
Shelters/Transitional Housing/Mission - Not-for-Profit 65132 Area
Thrift Store - Clothing - Not-for-Profit 56325 Sales
Vocational Workshops - Not-for-Profit 65171 Per-student
Youth Community Program - Not-for-Profit 65171 Per-student

Additional Coverage Options

Social Services Professional Liability:

  • Up to $1M in limits

Abuse & Molestation Liability:

  • Up to $1M/$2M in limits

Employment Practices Liability Insurance:

  • Up to $100,000 in limits 


Social Services

Quote and issue in minutes with Fast Track


  • Coverage form  automatically includes over 15 unique coverage enhancements
  • Up to $5M in total property values
  • Business income coverage offered on an actual loss sustained basis
  • Up to $1M/$2M in general liability limits
  • $500 premium for $1M umbrella available


  • Alabama
  • Arizona
  • California
  • Connecticut
  • Delaware
  • District of Columbia
  • Georgia
  • Idaho
  • Indiana
  • Iowa
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • West Virginia
  • Wisconsin


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: