Westchester

Small Business Program

BTIS has partnered with Westchester to address your Small Business needs. Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance companies in the United States. This business is distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. Westchester is a company of Chubb, the world's largest publicly traded property and casualty insurer.

Westchester programs provide coverage that include:
  • 1-4 Family Dwelling
  • Artisan Contractor
  • Child Care
  • Churches
  • Community Association - Commercial
  • Community Association - Professional
  • Commercial Umbrella
  • Fitness Centers
  • Lessor's Risk
  • Liquor Liability
  • Miscellaneous E&O
  • Non-Profit D&O/EPL
  • Office
  • Restaurants
  • Retail
  • Service
  • Social Service
  • Special Event - GL and Liquor
  • Special Event - GL Only
  • Special Event - Liquor Liability
  • Truckers
  • Wholesalers

Westchester recognizes that "not one size fits all" when it comes to program appetite. Therefore, they look for a few key characteristics when evaluating a potential program opportunity :

  • Underwriting history, authority and demonstrated results
  • Consistent coverage, limits and requirements
  • Homogeneous group or common industry
  • Underserved, perceived as difficult, or unique product and/or service approach to a specific class
  • Specific industry expertise
  • Premium targets based on geographic scope
  • First dollar programs - limited appetite for fronted, captive or risk sharing structures

This information is provided as a guideline only and is subject to change with or without notice.