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ABOUT THIS COVERAGE

We specialize in developing customized niche program solutions for program administrators and managers to help them build programs that succeed. We focus on risk transfer programs for a wide range of commercial businesses on either an admitted or non-admitted basis. For a wide range of complex risks not easily covered by more traditional policy, this suite of solutions offers broad, flexible coverage combined with our financial strength and expertise.

Key Competitive Advantages:

"A++" rated paper (A.M. Best)
50 state capability
Dedicated Programs Group
Admitted and non-admitted paper
Package and auto rating/policy issuance system that can be out boarded
Claims, In-house or TPA and loss control capabilities

Lines of Business:

Single line or multi-line
Package
Property
General Liability
Umbrella/Excess, in support of other lines
Inland Marine
Professional Liability
Tailored coverage enhancements for specific program/customer group
Workers Comp, In support of other lines

Programs:

Ancillary P&C for Aviation Operations
California Private Schools (Montessori and Pre K-6)
Carnivals & Amusements
Community Association Management Liability
Computer & Technology Professional
Fairs & Festivals
Fine Dining Restaurants
Habitat For Humanity
Media and Broadcasters Liability
Musical Instruments
On Shore Energy
Pet Insurance
Real Estate
Rodeos
Texas Community Associations
Umbrella
Welding Supply Distribution

SUBMISSION REQUIREMENTS

Program Overview, including
- Demographics
- Competition
Historical Experience
- 5 year premium/loss data by line of business, by year
- Outside actuarial analysis if available
- Rate trend information
- Limits profile and distribution
Marketing/Business Plan
Program Specifics/Underwriting Template
- Underwriting criteria, outlining program eligibility
- Pricing methodology
- Specialized coverage forms that will be required
- Property Limits Profile
Systems/Automation Capabilities
Claims/Loss Control needs and issues
Background/Resumes of Key Personnel

DESIRED PROGRAM CHARACTERISTICS

We understand that “not one size fit’s all” when it comes to program appetite, but the following are the key common characteristics we look for when evaluating a potential program opportunity.

Current program administrators with underwriting authority
History of strong underwriting and demonstrated results
Specific industry expertise
Underserved, perceived as difficult, or unique product and/or service approach to specific class
Homogeneous group or common industry
Consistent coverage, limits and underwriting requirements
Premium Targets are based on geographic scope.
- State or Regional – minimum of $5 million
- National – minimum of $10 million
First dollar programs – limited appetite for fronted, captive or risk sharing structures.

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. Chubb is 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. The company is 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 employs approximately 40,000 people worldwide. Additional information can be found at: www.chubb.com.