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Westfield

Westfield sells only through independent agents. It writes small business and middle market commercial insurance in 21 states, led by the SureStep BOP and workers' comp. It writes home and auto, including the WesPak and WesPak Estate packages, in 9 of those states.

Verified Oct 30, 2026

LinesBOP, GL, WC, Commercial auto, Commercial property, Cyber, Umbrella, Home, Auto, Personal umbrella
Agent portalYes
Quote APINo
StatesAZ, CO, DE, FL, GA, IL, IN, IA, KY, MD, MI, MN, NM, NC, OH, PA, SC, TN, VA, WV, WI

Appetite

ClassLineStatesNotes
RetailBOPMost statesSureStep BOP preferred classes with no exclusions include clothing stores, direct selling, warehouse clubs and supercenters, and health and personal care stores. Antique and sporting goods stores are written but not if they sell guns or used protective sports gear or rent or sell motorized vehicles other than autos. Antique stores also can't sell used baby furniture or run pawn shops. Westfield writes 340 small business classes, subject to underwriting review (Small Business Spotlight page, 2026).
OfficesBOPMost statesAccounting, tax preparation, bookkeeping and payroll services are SureStep BOP preferred classes with no exclusions. Westfield names offices, medical practices and accounting firms as growth targets and calls medical offices a key target class (Small Business Spotlight page, 2026; Growth Opportunities in Small Business, Mar 19, 2026).
OfficesGLMost statesWestfield's Commercial Offices Segment Guide removed restrictions on higher general liability and umbrella limits. It also dropped 13 controlled-substance questions from the quoting process (Commercial Offices Segment Guide, Mar 4, 2026).
Professional servicesBOPMost statesSpecialized design services are written only if the firm carries professional liability for its architectural, engineering or design work. Personal care services are written, except permanent makeup. Westfield names barber shops, funeral homes, consulting firms and spas as small business service targets (Small Business Spotlight page, 2026; Growth Opportunities in Small Business, Mar 19, 2026).
HomeownersHomeIL, IN, KY, MI, MN, OH, PA, TN, WVWesPak home and auto package suits homes with replacement cost values of $300K to $750K. It includes 125% replacement cost (can be raised to 150%), contents at 75% of Coverage A, and a single deductible when one event hits both home and auto. Inland flood and service line cover are optional (WesPak and WesPak Estate Package Policies, May 28, 2026; personal lines states from Become an Agent page).
High-value homeHomeIL, IN, KY, MI, MN, OH, PA, TN, WVWesPak Estate suits homes with replacement cost values of $1M to $3M, with capacity to consider homes up to $5M. It includes guaranteed replacement cost, contents at 75% of Coverage A, home cyber, roadside assistance and equipment breakdown (WesPak and WesPak Estate Package Policies, May 28, 2026).
Personal autoAutoIL, IN, KY, MI, MN, OH, PA, TN, WVAuto on WesPak adds one-year replacement cost on new vehicles, loan/lease gap, trip interruption and transportation expense. The MissionSafe driving program gives 10% off for signing up. Discounts include prior-carrier (3+ years of continuous coverage) and loyalty (one year with Westfield) (WesPak page; Home and Auto: Shift the Conversation, Sep 16, 2026).

How to quote Westfield

→Carrier portal. Quote directly in the Westfield agent portal.
→Semsee. Agencies quoting several small-commercial lines.

Getting appointed

Agencies fill out an online agency profile form with premium volume, agency size, the lines they want and expected premium. Westfield replies within 3 to 5 business days with next steps. Submitting the form does not guarantee an appointment for any line.

Sources

  1. Westfield: Become an Agent (states by line and appointment form)
  2. Westfield: Small business insurance (commercial states and lines)
  3. Westfield: Small Business Spotlight (SureStep preferred classes and exclusions)
  4. Westfield Agency News: Growth Opportunities in Small Business (Mar 19, 2026)
  5. Westfield Agency News: Commercial Offices Segment Guide (Mar 4, 2026)
  6. Westfield Agency News: WesPak and WesPak Estate Package Policies (May 28, 2026)
  7. Westfield Agency News: Home and Auto, Shift the Conversation (Sep 16, 2026)
  8. Westfield: WesPak home and auto package
  9. Westfield Agency News: Westfield Pay As You Go for small business workers' comp (Apr 3, 2026)
  10. Westfield: Independent Agency Partners (Agent Web Passport)
  11. Semsee: carrier list on homepage

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