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The Commercial Umbrella product from Westchester Small Business offers a comprehensive commercial umbrella policy for smaller companies. It is accessible through an online platform that allows brokers to rate, bind, and issue policies instantly for small commercial clients. The Commercial Specialty Offerings


Umbrella coverage over general liability, auto liability, employer liability, and liquor liability policies:

  • Policy limits up to $5 million
  • $500 minimum premium per layer
  • Available as standalone, or over Westchester Specialty Commercial Products
  • Written on admitted paper
  • Product available in 47 states and the District of Columbia (except Alaska, Louisiana, and Vermont)
  • Westchester catastrophe management insurance with annual limits up to $250,000
  • Over 260 classes available


  • Employee benefits liability:  $1 million each occurrence/$1 million general aggregate
  • Auto liability:  $1 million combined single limit
  • Employers liability:  $500,000 each accident, $500,000 disease-policy limit, and $500,000 disease- each employee
  • Liquor liability:  $1 million each common cause or each occurrence/$1 million general aggregate
  • All underlying carriers must be rated A-VI or better by A.M. Best
  • All policies must provide defense costs in addition to the limits (defense outside)


All Standard Classes of Business, Including:

  • Commercial & Habitational Real Estate
  • Homeowners & Condominium Associations
  • Hotels/Motels
  • Professional Offices
  • Restaurants
  • Retail Trade Businesses
  • Service Industry Businesses
  • Artisan Contractors
  • Bowling Centers


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: