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Directory · Company · Updated 2026-10-18

Westchester Fire Insurance Company · NAIC 10030

Where Westchester Fire Insurance Company is admitted, where it's eligible for surplus lines, the lines it's licensed for and how much of each it writes, from state regulators' public lists and market share reports.

Westchester Fire Insurance Company (NAIC 10030) is a property and casualty insurer domiciled in Pennsylvania, part of Chubb Ltd Group. State regulators list it as licensed (admitted) in Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming. It ranked #3 of 20 in California pet in 2025 (12.7% share). It ranked #5 of 26 in California aircraft and aviation in 2025 (7.7% share). It ranked #7 of 28 in Illinois pet in 2025 (5.0% share). The U.S. Treasury lists it as a certified surety with a $6.1M underwriting limit.

By Sam Alishahi, independent insurance broker · All companies

By state

Where it's licensed

States whose regulator lists are loaded: Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Kentucky, Massachusetts, Maryland, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, West Virginia, Wyoming. Not on the lists we have for Montana, West Virginia, which doesn't by itself mean it isn't licensed there.

StateStatusLines licensedSinceSource
AlaskaAdmitted (licensed)——Alaska, 2026-10-18
CaliforniaAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Commercial package (BOP, CMP), Crime (burglary and theft), Fidelity bonds, General liability, Ocean marine, Pet, Surety bonds, Workers' compensation—California Department of Insurance, 2026-10-17
ColoradoAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Colorado, 2026-10-18
ConnecticutAdmitted (licensed)——Connecticut, 2026-10-18
DelawareAdmitted (licensed)——Delaware, 2026-10-18
FloridaAdmitted (licensed)Aircraft and aviation, Personal auto, Commercial auto, Commercial package (BOP, CMP), Earthquake, Farm and crop, Fidelity bonds, Homeowners, Inland marine, General liability, Medical malpractice, Mobile home, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Florida Office of Insurance Regulation, 2026-10-18
GeorgiaAdmitted (licensed)General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Georgia, 2026-10-18
HawaiiAdmitted (licensed)——Hawaii, 2026-10-18
IdahoAdmitted (licensed)Fidelity bonds, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Idaho, 2026-10-18
IllinoisAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Pet, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Illinois, 2026-10-18
IowaAdmitted (licensed)——Iowa, 2026-10-18
KentuckyAdmitted (licensed)——Kentucky Department of Insurance, 2026-10-17
MarylandAdmitted (licensed)——Maryland Insurance Administration, 2026-10-17
MassachusettsAdmitted (licensed)Personal auto, Fidelity bonds, General liability, Surety bonds, Workers' compensation—Massachusetts, 2026-10-18
MinnesotaAdmitted (licensed)——Minnesota, 2026-10-18
MississippiAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown, Farm and crop, Fidelity bonds, Glass, Homeowners, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation03-01-1980Mississippi Insurance Department, 2026-10-17
MissouriAdmitted (licensed)Commercial package (BOP, CMP), Earthquake, Fidelity bonds, Inland marine, General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Missouri, 2026-10-18
NebraskaAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Nebraska, 2026-10-18
NevadaAdmitted (licensed)General liability, Ocean marine, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Nevada Division of Insurance, 2026-10-17
New JerseyAdmitted (licensed)——New Jersey, 2026-10-18
New YorkAdmitted (licensed)——Excess Line Association of New York (DFS-licensed and eligible excess line insurers), 2026-10-17
North CarolinaAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Commercial package (BOP, CMP), Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Pet, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—North Carolina, 2026-10-18
North DakotaAdmitted (licensed)——North Dakota, 2026-10-18
OhioAdmitted (licensed)——Ohio Department of Insurance, 2026-10-17
OklahomaAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Crime (burglary and theft), Earthquake, Fidelity bonds, Inland marine, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Oklahoma, 2026-10-18
OregonAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Commercial package (BOP, CMP), Crime (burglary and theft), Fidelity bonds, Inland marine, General liability, Surety bonds—Oregon, 2026-10-18
Rhode IslandAdmitted (licensed)——Rhode Island, 2026-10-18
South CarolinaAdmitted (licensed)——South Carolina, 2026-10-18
South DakotaAdmitted (licensed)Aircraft and aviation, Equipment breakdown, Commercial package (BOP, CMP), Fidelity bonds, Inland marine, General liability, Pet, Surety bonds, Workers' compensation—South Dakota, 2026-10-18
TennesseeAdmitted (licensed)——Tennessee, 2026-10-18
TexasAdmitted (licensed)Aircraft and aviation, Personal auto, Equipment breakdown, Commercial auto, Commercial package (BOP, CMP), Credit, Crime (burglary and theft), Earthquake, Farm and crop, Fidelity bonds, Glass, Inland marine, General liability, Ocean marine, Pet, Commercial property (fire and allied lines), Surety bonds, Workers' compensation1988/08/03Texas Department of Insurance, 2026-10-17
UtahAdmitted (licensed)——Utah, 2026-10-18
WashingtonAdmitted (licensed)Aircraft and aviation, Crime (burglary and theft), Fidelity bonds, Pet, Surety bonds—Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington, 2026-10-17
WisconsinAdmitted (licensed)Personal auto, Commercial auto, Commercial package (BOP, CMP), Fidelity bonds, General liability, Commercial property (fire and allied lines), Surety bonds, Workers' compensation—Wisconsin, 2026-10-18
WyomingAdmitted (licensed)——Wyoming, 2026-10-18
What it writes

Premium and rank by line

From the regulators that publish every company's direct premium by line.

Line and stateRankPremium writtenShareYear
Pet in California#3 of 20$134.4M12.68%2025
Aircraft and aviation in California#5 of 26$20.5M7.65%2025
Fidelity bonds in California#34 of 109$825,0180.48%2025
Crime (burglary and theft) in California#39 of 110$83,9130.17%2025
Equipment breakdown in California#43 of 122$656,1560.32%2025
Surety bonds in California#48 of 148$4.8M0.37%2025
Ocean marine in California#71 of 75$1,6290.00%2025
Commercial package (BOP, CMP) in California#78 of 207$12.0M0.19%2025
General liability in California#81 of 353$26.8M0.31%2025
Workers' compensation in California#211 of 245$615,0560.01%2025
Pet in Illinois#7 of 28$9.1M5.02%2025
Aircraft and aviation in Illinois#20 of 33$1.1M0.98%2025
Fidelity bonds in Illinois#44 of 162$209,5880.28%2025
Surety bonds in Illinois#68 of 157$575,0780.16%2025
Crime (burglary and theft) in Illinois#77 of 188$13,3700.04%2025
Equipment breakdown in Illinois#113 of 231$70,8100.06%2025
General liability in Illinois#135 of 695$12.1M0.19%2025
Inland marine in Illinois#223 of 452$355,0210.03%2025
Commercial package (BOP, CMP) in Illinois#233 of 400$1.1M0.04%2025
Workers' compensation in Illinois#328 of 375$132,1560.01%2025
Pet in North Carolina#8 of 26$5.4M4.02%2025
Aircraft and aviation in North Carolina#22 of 33$661,2000.89%2025
Fidelity bonds in North Carolina#82 of 145$16,3830.04%2025
Surety bonds in North Carolina#86 of 152$366,7590.12%2025
Crime (burglary and theft) in North Carolina#89 of 162$3,1520.02%2025
Equipment breakdown in North Carolina#129 of 219$30,2870.04%2025
General liability in North Carolina#140 of 621$6.2M0.21%2025
Inland marine in North Carolina#182 of 420$388,7530.04%2025
Commercial package (BOP, CMP) in North Carolina#215 of 361$628,2310.04%2025
Commercial property (fire and allied lines) in North Carolina#294 of 340$10,1190.00%2025
Workers' compensation in North Carolina#332 of 347$10,0480.00%2025
Pet in South Dakota#7 of 22$146,3804.52%2025
Aircraft and aviation in South Dakota#17 of 26$161,2471.12%2025
Surety bonds in South Dakota#62 of 106$39,1070.12%2025
Equipment breakdown in South Dakota#64 of 118$10,2940.07%2025
Fidelity bonds in South Dakota#66 of 79$6070.02%2025
Commercial package (BOP, CMP) in South Dakota#137 of 217$129,0780.05%2025
General liability in South Dakota#166 of 356$117,0130.05%2025
Inland marine in South Dakota#195 of 248$4,8990.00%2025
Workers' compensation in South Dakota#244 of 284$11,9580.01%2025
Pet in Texas#9 of 27$10.9M3.82%2025
Earthquake in Texas#10 of 130$826,4783.06%2025
General liability in Texas#25 of 463$60.5M0.90%2025
Aircraft and aviation in Texas#25 of 29$1.6M0.48%2025
Equipment breakdown in Texas#40 of 173$475,5770.21%2025
Fidelity bonds in Texas#47 of 123$97,6430.10%2025
Inland marine in Texas#64 of 356$9.4M0.29%2025
Commercial package (BOP, CMP) in Texas#76 of 260$13.2M0.30%2025
Ocean marine in Texas#78 of 81$1,3060.00%2025
Surety bonds in Texas#80 of 165$1.5M0.11%2025
Workers' compensation in Texas#153 of 327$1.8M0.07%2025
Commercial auto in Texas#211 of 329$2.2M0.03%2025
Pet in Washington#10 of 20$5.4M2.38%2025
Aircraft and aviation in Washington#16 of 28$964,0001.68%2025
Crime (burglary and theft) in Washington#34 of 39$13,0000.15%2025
Fidelity bonds in Washington#35 of 40$52,0000.22%2025
Surety bonds in Washington#36 of 40$1.3M0.58%2025
Surety bonds in Wisconsin#52 of 117$233,4840.23%2024
Fidelity bonds in Wisconsin#67 of 118$11,1790.05%2024
General liability in Wisconsin#96 of 429$2.7M0.21%2024
Commercial property (fire and allied lines) in Wisconsin#161 of 210$8,5320.00%2024
Commercial package (BOP, CMP) in Wisconsin#176 of 276$327,7720.03%2024
Workers' compensation in Wisconsin#284 of 312$13,6130.00%2024
Standing

Where it's a top-10 writer

Chubb Ltd Group (NAIC group 00626), the group Westchester Fire Insurance Company belongs to, ranks in the top 10 for these lines and states. Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

Line and stateRankPremium writtenShareYear
Earthquake in Arizona
Earthquake
#1$3.2M15.02%2025
General liability in Arizona
Other Liability
#1$133.7M5.89%2025
Crime (burglary and theft) in Arizona
Burglary and Theft
#1$1.5M14.49%2025
General liability in Arkansas
Other Liability
#1$191.2M22.38%2025
General liability in California
Other Liability
#1$1.15B6.62%2025
General liability in California
Products Liability
#1$104.2M13.64%2025
Fidelity bonds in California
Fidelity
#1$33.5M18.61%2025
Farm and crop in Colorado
Multiple Peril Crop
#1$78.3M24.59%2025
Earthquake in Colorado
Earthquake
#1$3.8M18.09%2025
General liability in Colorado
Other Liability
#1$244.6M8.38%2025
Crime (burglary and theft) in Colorado
Burglary and Theft
#1$2.2M17.58%2025
General liability in Connecticut
Other Liability
#1$201.4M10.52%2025
General liability in Connecticut
Products Liability
#1$11.8M14.99%2025
Crime (burglary and theft) in Connecticut
Burglary and Theft
#1$2.4M27.48%2025
General liability in Delaware
Products Liability
#1$2.6M11.64%2025
Crime (burglary and theft) in Delaware
Burglary and Theft
#1$763,00024.67%2025
Earthquake in District of Columbia
Earthquake
#1$554,00013.12%2025
General liability in District of Columbia
Products Liability
#1$3.4M27.77%2025
Crime (burglary and theft) in District of Columbia
Burglary and Theft
#1$1.9M30.29%2025
Farm and crop in Florida
Multiple Peril Crop
#1$122.4M36.96%2025
Ocean marine in Florida
Ocean Marine
#1$95.4M14.39%2025
General liability in Florida
Other Liability
#1$504.8M5.29%2025
Crime (burglary and theft) in Florida
Burglary and Theft
#1$7.1M16.08%2025
General liability in Georgia
Other Liability
#1$268.5M7.01%2025
Crime (burglary and theft) in Georgia
Burglary and Theft
#1$4.8M22.21%2025
Aircraft and aviation in Hawaii
Aircraft
#1$2.1M20.82%2025
Farm and crop in Idaho
Multiple Peril Crop
#1$57.8M28.42%2025
General liability in Idaho
Other Liability
#1$30.9M6.25%2025
General liability in Illinois
Products Liability
#1$26.6M10.85%2025
Crime (burglary and theft) in Illinois
Burglary and Theft
#1$5.3M15.14%2025
Crime (burglary and theft) in Indiana
Burglary and Theft
#1$2.8M24.80%2025
Farm and crop in Iowa
Multiple Peril Crop
#1$280.6M20.78%2025
Crime (burglary and theft) in Iowa
Burglary and Theft
#1$1.3M23.99%2025
General liability in Kentucky
Other Liability
#1$56.4M6.20%2025
General liability in Kentucky
Products Liability
#1$3.7M8.72%2025
Crime (burglary and theft) in Kentucky
Burglary and Theft
#1$2.1M27.10%2025
Farm and crop in Maine
Multiple Peril Crop
#1$12.2M76.67%2025
Farm and crop in Maine
Private Crop
#1$0100.00%2025
General liability in Maine
Products Liability
#1$2.1M13.21%2025
Crime (burglary and theft) in Maine
Burglary and Theft
#1$490,00026.88%2025
Farm and crop in Maryland
Multiple Peril Crop
#1$16.8M42.27%2025
Ocean marine in Maryland
Ocean Marine
#1$15.2M19.43%2025
General liability in Maryland
Other Liability
#1$245.7M12.77%2025
Crime (burglary and theft) in Maryland
Burglary and Theft
#1$4.7M32.35%2025
Ocean marine in Massachusetts
Ocean Marine
#1$25.8M16.19%2025
General liability in Massachusetts
Other Liability
#1$334.2M9.14%2025
General liability in Massachusetts
Products Liability
#1$32.9M20.34%2025
Crime (burglary and theft) in Massachusetts
Burglary and Theft
#1$6.4M33.76%2025
General liability in Michigan
Other Liability
#1$165.7M6.62%2025
Crime (burglary and theft) in Michigan
Burglary and Theft
#1$4.6M27.40%2025
General liability in Minnesota
Other Liability
#1$146.6M7.04%2025
Crime (burglary and theft) in Minnesota
Burglary and Theft
#1$3.1M25.19%2025
Farm and crop in Missouri
Multiple Peril Crop
#1$204.5M37.93%2025
Farm and crop in Missouri
Private Crop
#1$16.6M39.04%2025
General liability in Missouri
Products Liability
#1$8.1M9.07%2025
Farm and crop in Montana
Multiple Peril Crop
#1$117.1M34.51%2025
Farm and crop in Nebraska
Multiple Peril Crop
#1$286.7M28.02%2025
Farm and crop in Nebraska
Private Crop
#1$111.0M29.00%2025
Farm and crop in Nevada
Private Crop
#1$7,00054.34%2025
General liability in Nevada
Other Liability
#1$81.3M6.92%2025

Showing the best 60 of 809 top-10 placements.

Bonds

Treasury-certified surety

On the U.S. Treasury's Circular 570 (updated August 01, 2026) with an underwriting limit of $6.1M per bond, licensed to write surety in 55 states and territories: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY.

Method and source

Each row comes from the named regulator's public company list on the date shown, joined by NAIC number. "Admitted" means licensed by the state and backed by its guaranty fund; "surplus lines" means eligible to take risks the admitted market declines, without rate or form approval or guaranty fund protection. Premium and rank come from state market share reports that list every company. This is a public-records directory, not a rating or recommendation; for the company's own filings use the NAIC's Consumer Information Source.

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