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The Wholesalers product from Westchester Small Business safeguards the assets of wholesale small businesses, and expands as businesses grow.

The Commercial Specialty Offerings

Quote Wholesale Operations under the following classifications:

Description Class Code Rating Basis
Air Conditioning / Heating Equipment - Wholesale 50581 Sales
Appliance - Household and home Furnishing - Wholesale 50081 Sales
Auto Parts and Supplies - Wholesale 50111 Sales
Bakeries - Wholesale - No baking on premises 50141 Sales
Barber or Beauty Shop Supplies - Wholesale 50171 Sales
Equipment, Fixtures or Supplies - Office and Store Equipment - Wholesale 50813 Sales
Florist - Wholesale 50381 Sales
Gardening - Wholesale 50471 Sales
Hardware and Tools - Wholesale 50501 Sales
Hobby, Craft or Artists' Supply - Wholesale 50641 Sales
Janitorial Supply - Wholesale 50651 Sales
Jewelry - Costume & Precious - Wholesale 50661 Sales
Optical Goods - Wholesale 50721 Sales
Refrigeration Systems or Equipment - Wholesale 50081 Sales
Stationary or Paper Products - Wholesale 50801 Sales
Water Bottling - Wholesale 50481 Sales
Wholesaler - no food or drink - not otherwise classified 59999 Sales

Additional Coverage Options

  • Foreign Liability Coverages Available:
    • Accidental death & dismemberment ($50,000 limit)
    • Medical coverage ($10,000 limit)
    • Contingent auto liability ($1M limit)
    • Property ($25,000)
    • Premises liability ($1M occurrence/GL aggregate
    • Products and completed operations liability (GL aggregate)
    • Natural disaster evacuation ($2,500 per person/$10,000 policy limit)
    • Kidnap and extortion ($250,000 limit
  • Employment Practices Liability Insurance
    • Limits up to $100,000
  • Privacy Liability & Data Breach
    • Limits up to $100,000


  • 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


  • Up to 35,000 square feet
  • Up to $6M in total revenue
  • No product specifically sold or rented to children


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: