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The Community Association product from Westchester Small Business offers competitive pricing on broad coverage for most types of community associations.


  • Defense outside the limit
  • Defense costs coverage for breach of contract claims
  • Coverage for non-monetary claims
  • Unlimited extension
  • Automatic coverage for the property management company
  • Package coverage, including  general liability and blanket property


Community Association D&O and EPL


  • Directors & Officers and Employment Practices
  • $5 million limit available
  • Package for homeowners associations under 100 units


  • Residential Condominium Associations
  • Homeowners Associations
  • Retail Associations
  • Cooperatives
  • Property Owner Associations
  • Dock Associations
  • Office/Industrial Parks
  • Mobile Home Parks
  • Planned Unit Developments


  • Master Associations
  • Rental Associations
  • Condo-Hotels
  • Timeshares


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: