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Westchester Small Business offers several innovative and competitive professional liability insurance products for smaller businesses. Our core Errors & Omissions product is designed for companies in a wide array of professions that provide professional services.



Miscellaneous Professional Represents

Miscellaneous Professional Warrants

Miscellaneous Professional Renewal Represents

Miscellaneous Professional Renewal Warrants

Trustee Professional

Claim Adjuster-Examiner

Construction Managers

Employment Agencies



Management Consultants

Supplemental Claims Questionnaire

Real Estate Professionals


  • Admitted and non-admitted capability
  • Definition of “claim” includes written demands, civil proceedings, civil and regulatory investigations, and disciplinary proceedings (sub-limited)
  • Punitive & exemplary damage coverage
  • Definition of “wrongful act” includes “personal injury offenses”
  • “Insured” includes independent contractors


  • Up to $5 million


Businesses with annual revenues less than $5 million, including:

  • Technology (computer/technology consultants, software developers, etc.)
  • Management Consultants (HR, marketing, financial)
  • Employment Agencies/Staffing Services
  • Public Relations Firms
  • Training Services
  • Tax Preparers/Bookkeepers 


  • Medical Professionals & Laboratories
  • Certified Public Accountants
  • Architects & Engineers
  • Home Inspectors
  • Title Agents
  • Commercial Real Estate Appraisers
  • Insurance Agents
  • Debt Collectors


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: