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Westchester Middle Market is distributed through a limited number of wholesale brokers and provides broad Mono-line Property or commercial package solutions on the following industry segments: Community Association , Lessor Risk, Professional Offices, Vacant Buildings, Warehouses, and Wholesaler’s / Distributers.  In addition Mono-line Property coverage is also available on approximately 30 different occupancies. Middle Market targets risk with property values ranging from $2.5 Million to $15 Million and can consider catastrophe exposed risks. Our experienced and dedicated underwriting team provides exceptional service to help brokers win accounts.



  • Community Associations
  • Lessor's Risk Only
  • Professional Offices
  • Vacant Building / Land
  • Warehouses
  • Wholesalers / Distributors

Additional Occupancies eligible for Mono-line Property


Assisted Living Facilities Library
Banks, Financial Institutions Membership Organizations, Clubs, Non-Profits
Check Cashing Movie Theater
Churches, Religious Organizations Municipalities, Government Buildings
Clothing Store / Department Store Museums and Art Galleries
Contractors Nursing Homes
Daycares Parking Garage
Dental Office Post Office
Financial Advisory Firms Reception Hall / Event Facility
Fitness Club/Gym Schools, Institutional
Hardware Store Shopping Centers
Healthcare Used Merchandise Store (Thrift or Resale)


  • Community Associations
  • Lessor's Risk Only
  • Professional Offices
  • Vacant Building / Land
  • Warehouses
  • Wholesalers / Distributors


  • Ability to consider total insured property values ranging from $2.5 Million to $15 Million
  • Capacity to offer Wind Only and Primary Limit Coverage
  • Strong appetite and capacity for coastal wind and catastrophe exposed locations
  • Optional coverages include Named Storm, Wind Driven Rain, Coverage Plus Property Enhancement, Ordinance or Law Coverage, and Electronic Data Property Extension. We can also consider valuations that include Actual Loss Sustained and No Coinsurance


  • Available General Liability Limits of $1M/$2M
  • Optional coverage include Hired and Non-Owned Automobile, Primary & Noncontributory, Per Location General Aggregate, and Waiver of subrogation


  • Ability to offer up to $5 Million over our primary middle market policy
  • Optional coverages include Auto Liability and Employer’s Liability


  • Send submissions to
  • Requirements for binding include:
    • Three Years Hard Copy Loss Runs
    • Completed and Signed ACORDS
    • In addition Completed and Signed Middle Market Package Industry Segment Supplemental Applications are required for Package accounts


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, a world leader in insurance. With operations in 54 countries and territories, 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. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. 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, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: