Westfield Insurance Car Insurance

Westfield provides personal, basic protection as well as additional insurance coverages for cars, trucks, motorcycles, and RV’s.

Available coverages and discounts may vary by state, but will most likely include:

• Bodily injury liability

• Property damage liability

• Roadside assistance: Available 24/7 anywhere in the U.S. and Puerto Rico

• Loan/lease coverage: Covers out-of-pocket expense between your car’s actual cash value and the remaining lease or loan amount, in the event your vehicle is totaled.

• Extended non-owned liability:

• Electronic equipment coverage

Westfield customers who bundle their auto and home insurance policies are eligible for the Wespak policy which provides broader coverage than a standard auto insurance policy. Under this policy, customer will also have additional coverage options such as:

• Loan/lease coverage

• Trip interruption coverage

• Replacement cost coverage

Westfield Insurance offers a variety of motorcycle insurance options for year round and seasonal riders.

Available coverages and discounts may vary by state, but will most likely include:

• Medical Payments

• Loan/Lease Gap Protection: In the event of a total loss, it pays the difference between the book value of your motorcycle and the amount still owed on your lease or loan.

• Towing & Labor

• Uninsured Motorists Property Damage: Available for licensed motorcycles that don't carry collision coverage

• Increased Motorcycle Custom Parts or Equipment: Covers motorcycle custom parts or equipment.

Safety Riding Apparel: Covers safety apparel, like helmets, damaged in an accident.

Westfield offers a variety of home, renters, and condominium insurance policies to meet your specific situational needs.

Available coverages and discounts may vary by state, but will most likely include:

• Wespak®: A combination policy that offers broad protection for your home and auto. Conveniently has one policy, one deductible, and one bill.

• Wespak Estate®: Combines home and auto insurance. Designed for customers with high value homes and assets. Includes equipment breakdown coverage. Includes:

• Replacement cost coverage for your dwelling

• Higher water backup limits

• Home equipment breakdown coverage

• Identity theft coverage with identity theft resolution and identity travel assistance services

• Agreed value options for vehicles

• Ability to choose a cash-out option in the event of a total loss

• Roadside assistance coverage

• Estatepak®: Offers the home insurance coverage of the Wespak Estate, but without the car insurance portion for those who don’t own a car or wish to insure it with a different insurance company.

• Apartments and Condos: Personal property and liability to protect your belongings.

Umbrella Policy: Provides more liability protection than your auto or home insurance policies.

Westfield offers boat insurance as a stand alone or an added policy to their homeowners or Wespak customers. Westfield may only insure boats up to 50 feet in length.

Available coverages and discounts may vary by state, but will most likely include:

• Personal property and unattached equipment, including fishing equipment

• Cost to recover property in the event of sinking/stranding

• Up to $500 towing/emergency assistance

• Up to $50,000 for any newly acquired replacement or additional boat, motor or trailer

• Boat owner liability and medical expense

• Fuel spill liability protection

• Up to $2,500 for auxiliary watercraft

Additional Westfield boat insurance coverages include:

• Increased limits for personal property, unattached equipment and auxiliary watercraft

• Coverage extension for up to 15 miles from shore in coastal waters

• Up to $500,000 for bodily injury to a covered person caused by the owner or operator of an uninsured boat.

• Watercraft Enhancement Endorsement (for boats 26 feet or over)

Westfield offers a variety of insurance products for small, mid-sized, and large businesses.

Small businesses include offices, apartments, retail stores, wholesalers, contractors, hotels, and restaurants.

Available coverages and discounts may vary by state, but will most likely include:

• Property

• Liability

• Business Auto

• Workers' Compensation

• Umbrella

• Surety Bonds

• Loss Control

• Risk Assessment and more

Westfield offers additional business insurance options including:

• Equipment Breakdown

• Data Compromise

• Employment Practices Liability

• Workers' Compensation

Westfield insurance also offers signature insurance policy packages for specialized industries including:

• Contractors:

• Automatic status for select additional insureds

• Employee tools coverage

• Incidental medical malpractice

• Knowledge and notice of occurrence

• Waiver of subrogation

• Distributors:

• Damage to your computers, belonging to others, property while being transported by carriers you hire

• Service charges from the fire department

• Trailers you own that are not permanently attached to your vehicles

• Water damage you are legally liable for

• Health Care:

• Automatic external defibrillator

• Communicable diseases

• Medical hazardous waste and radioactive clean up

• Mobile medical equipment

• Personal effects owned by you, your officers, your partners or members, your managers, your employees, your directors or trustees, your staff, doctors, nurses, medical faculty members, interns, student nurses, admitted patients, or residents

• Medical Office

• Medical Diagnostic Lab

• Outpatient Care Center

• Hospitality

• Golf:

• Damage to your customers' cars

• Damage caused by an errant golf ball

• Golf carts, grounds maintenance equipment, lawn mowers, etc.

• Putting greens, fairways, tee boxes and rough

• Food contamination

• Lost master key and key card coverage

• Hotel:

• Customer inconvenience remuneration expense

• Coverage for your guests' property

• Delivery errors and omissions

• Service errors and omissions

• Equipment breakdown coverage (if eligible)

• Credit card invoices

• Lost master key and key card coverage

• Employee injuries

• Restaurant:

• Automatic seasonal increase in coverage, for your restaurant's busiest times of the year

• Coverage for the fine arts that help make your atmosphere so inviting to diners

• Food contamination and spoilage

• Fire extinguisher system recharge, so they are always ready to go

• Equipment breakdown coverage (if eligible) for larger kitchen equipment

• Credit card invoices

• Employee injuries

• Interruption of computer operations

• Service errors and omissions

• Property outside your restaurant, such as signs

• Repairs to glass on cars parked at your restaurant

• Damage to cars you hire for service

• Manufacturing:

• Contingent transit

• Manufacturers consequential loss assumption

• Employee tools coverage

• Pollutant cleanup and removal

• Salespersons samples

• Manufacturers selling price (finished stock only)

• Patterns, molds or dies

• Extra expense

• Real Estate:

• Additional Expense to Regain Customers

• Business Income – Extended Period of Indemnity

• Business Income – Tenant Move Back Expense

• Real Estate Tax Assessment

• Utility Services with Overhead Lines

Westfield Insurance offers a variety of farm, horse farm, commercial agribusiness, and vineyard/winery insurance.

Westfield Insurance currently serves a large range of farm businesses including animal aquaculture, beef cattle ranching, crop harvesting, and many more.

Available coverages and discounts may vary by state, but will most likely include:

• Farm Property Coverages: Includes property coverages for your dwelling and household personal property, farm personal property including barns, stables, silos, equipment, and other structures

• Farm Liability Coverage: Protects you from injury and property damage, medical payments, advertising injury and farm pollution.

• Comfort Coverage:

• Ordinance or law

• Borrowed farm machinery

• Livestock insurance

• Private power and light poles

• TV antennas, towers and satellite dishes

• Property Optional Coverage:Increase the amount of property coverage your farm insurance program provides with:

• High value home endorsement

• Expanded replacement cost for dwellings

• Coverage for special causes of loss on household personal property

• Backup of sewers, sump pumps and drains

• Scheduled and unscheduled farm personal property

• Borrowed farm machinery - additional limits

• Coverage for farm personal property during peak season

• Reproductive materials coverage

• Spoilage coverage

• Suffocation of poultry and livestock

• Outbuilding coverage available on a blanket basis

• Replacement coverage on barns, outbuildings and confinement structures

• Farm earnings and extra expense

• Earthquake

• Expanded property coverage endorsement

• Equine expanded coverage endorsement

• Recreational vehicles

• Theft of building materials

• Liability Optional Coverages: Extend your liability coverage to include exposures specific to your farm, including:

• Custom farming

• Business activities

• Animal care, custody and control

• Equine activities

• Recreational vehicles

• Employers liability