SMALL BUSINESS // MIDDLE MARKET

Middle Market

ABOUT THIS COVERAGE

Westchester Middle Market is distributed through a limited number of wholesale brokers and provides broad Mono-line Property or commercial package solutions on the following industry segments: Community Association , Lessor Risk, Professional Offices, Vacant Buildings, Warehouses, and Wholesaler’s / Distributers. In addition Mono-line Property coverage is also available on approximately 30 different occupancies. Middle Market targets risk with property values ranging from $2.5 Million to $15 Million and can consider catastrophe exposed risks. Our experienced and dedicated underwriting team provides exceptional service to help brokers win accounts.

INDUSTRY SEGMENTS ELIGIBLE FOR PACKAGE OR MONO-LINE PROPERTY TERMS

Community Associations
Lessor's Risk Only
Professional Offices
Vacant Building / Land
Warehouses
Wholesalers / Distributors

Additional Occupancies eligible for Mono-line Property

Assisted Living Facilities	Library
Banks, Financial Institutions	Membership Organizations, Clubs, Non-Profits
Check Cashing	Movie Theater
Churches, Religious Organizations	Municipalities, Government Buildings
Clothing Store / Department Store	Museums and Art Galleries
Contractors	Nursing Homes
Daycares	Parking Garage
Dental Office	Post Office
Financial Advisory Firms	Reception Hall / Event Facility
Fitness Club/Gym	Schools, Institutional
Hardware Store	Shopping Centers
Healthcare	Used Merchandise Store (Thrift or Resale)
Hospitals

ELIGIBLE INDUSTRY SEGMENTS

Community Associations
Lessor's Risk Only
Professional Offices
Vacant Building / Land
Warehouses
Wholesalers / Distributors

PROPERTY

Ability to consider total insured property values ranging from $2.5 Million to $15 Million
Capacity to offer Wind Only and Primary Limit Coverage
Strong appetite and capacity for coastal wind and catastrophe exposed locations
Optional coverages include Named Storm, Wind Driven Rain, Coverage Plus Property Enhancement, Ordinance or Law Coverage, and Electronic Data Property Extension. We can also consider valuations that include Actual Loss Sustained and No Coinsurance

GENERAL LIABILITY

Available General Liability Limits of $1M/$2M
Optional coverage include Hired and Non-Owned Automobile, Primary & Noncontributory, Per Location General Aggregate, and Waiver of subrogation

COMMERCIAL UMBRELLA

Ability to offer up to $5 Million over our primary middle market policy
Optional coverages include Auto Liability and Employer’s Liability

HOW TO SUBMIT BUSINESS

Send submissions to middlemarket@westchester.com
Requirements for binding include:
- Three Years Hard Copy Loss Runs
- Completed and Signed ACORDS
- In addition Completed and Signed Middle Market Package Industry Segment Supplemental Applications are required for Package accounts

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.