SMALL BUSINESS // SPECIALTY PROPERTY & CASUALTY

International Advantage® Edge for Accountants and Lawyers

ABOUT THIS COVERAGE

Westchester makes it easy for brokers to provide their clients with the insurance they need to manage their international risks. Our products are designed to protect employees while they are traveling out of the country on business, and they protect small businesses from product liability losses.

Coverage:

Comprehensive foreign package policy with the ability to provide locally admitted insurance, when required by local laws
We utilize billable hours as one of the exposure elements when determining business income losses -- a feature not often used by international carriers
Coverage provides accountants and lawyers with the protection needed to safely transact business globally
Provides basic options not provided by other foreign package providers

GENERAL LIABILITY

Blanket Additional Insured
Blanket Waiver of Subrogation
Electronic Data Liability $10,000
Care Custody and Control Extension Coverage $25,000 / $50,000
Cost of Bail Bonds $2,500, and Loss of Earnings $500
Partnership and Joint Ventures as Additional Insureds

CONTINGENT AUTO LIABILITY

Blanket Additional Insured
Blanket Waiver of Subrogation

PROPERTY

Valuable Papers and Records $50,000
Money and Securities $25,000
Miscellaneous Personal Property $50,000
Time Element/Business Income $50,000
Service Interruption Property Damage $50,000
Professional Fees $25,000
Commissions, Profits, and Royalties $50,000
Rental Insurance $50,000
Off Premises Storage for Property Under Course of Construction $25,000
Protection and Preservation of Property $50,000
Temporary Removal of Property $25,000
Installation at Any Job Site $50,000
Decontamination Costs $10,000
Transit $50,000
Miscellaneous Unnamed Insured Locations $50,000

ABOUT WESTCHESTER

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 www.chubb.com. 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: www.chubb.com