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The For-Profit Management Liability Package from Westchester Small Business offers non-rescindable, one-stop enhanced coverage for companies, subsidiaries, and their directors, officers, executives, fiduciaries, and employees, against management liability, employment practices liability, fiduciary liability, and crime claims.


Private Company-Florida

Private Company-All Other States

Private Company-Renewal Represents

Private Company-Renewal Warrants


  • Fully non-rescindable policies
  • Most favorable venue punitive damage coverage
  • Limits (other than crime) offered on a shared or separate basis
  • Limited definition of “Application” (36 months)
  • HIPAA coverage (by endorsement)
  • D&O:
    • Additional $1 million of side a (when at least a $1 million limit is purchased)
    • Retention waiver for early settled claim
    • Definition of “claim” includes civil, criminal, arbitration, and regulatory proceedings,  as well as civil, criminal, administrative, or regulatory investigations
    • Numerous insured vs. insured carve-outs
  • EPL:
    • $100,000 sub-limit for class-action wage and hour claims defense.
    • Single plaintiff claims not sub-limited (non CA, by endorsement)
    • Definitive third party coverage
    • Additional excess $1 million in costs, charges and expenses coverage*
    • Access to EPL AssistTM available
  • Fiduciary:
    • Defense outside the limit
    • Voluntary compliance loss and delinquent filer penalties coverage (by endorsement)
    • HIPAA coverage (by endorsement)
  • Crime:
    • “Loss discovered” form


  • Up to $5 million


Private companies with revenues below $50 million and fewer than 500 employees are preferred, but all classes will be considered.


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: