skip to main content


Westchester’s Traditional Energy Solutions provides comprehensive insurance solutions for small, mid-sized, and large companies involved in traditional energy production. Our packaged solutions can include coordinated general liability, commercial auto, umbrella excess, and pollution coverages that provide comprehensive protection for the full scope of the insured’s energy operations.


  • Primary General Liability
    • For qualified risks, on an admitted basis in all 50 states; non-admitted coverage available for unique risks through surplus lines brokers
    • Occurrence or claims made basis
    • ISO policy forms
    • First dollar/guaranteed cost basis or deductible or self-insured retention
    • Time element pollution available, including sudden and accidental BI/PD with remediation expense coverage (minimum deductible of $10,000 per pollution incident)
    • Guaranteed cost and deductible policies quoted using Westchester claims handling. Claims handling within a self-insured retention can be provided by  Westchester claim service affiliate, ESIS, Inc., another acceptable TPA, or self-administered, subject to policy provisions
    • Zero collateral required for deductible policies for qualified insureds.
  • Primary Commercial Automobile
    • Admitted basis via use of 2006 ISO policy form
    • Liability and physical damage available
    • Hired and non-owned coverage only available
    • Low minimum premium available to facilitate primary general liability placements
  • Lead Umbrella
    • For qualified risks on an admitted basis in all 50 states
    • Follow form time element pollution coverage available
    • Schedule of underlying insurance can include employers liability coverage provided by non-Westchester policy, subject to minimum insurer financial rating of A-VI by A.M. Best.
  • Pollution Liability


Middle Market Traditional Energy - Mining Supplemental Application

Middle Market Traditional Energy - Lease Operator Supplemental

Middle Market Traditional Energy - Electric Utility Supplemental Application

Please send submissions to:


  • Time element pollution coverage, including sudden and accidental BI/PD with remediation expense:
    • Minimum deductible of $10,000 per pollution incident
  • Minimum premium:
    • $25,000 General Liability Policy ($50,000 for petroleum business)
    • $2,500 Automobile Policy
    • $10,000 Umbrella Policy


  • Primary General Liability:  Limits up to $2 million occurrence/$4 million aggregate with higher limits available upon request
  • Primary Commercial Automobile: $1 million combined single limit
  • Lead Umbrella: Limits up to $10 million occurrence/$10 million aggregate with higher limits available up to $25 million for select risks
  • Pollution Liability: Limits up to $10 million occurrence/$10 million aggregate


U.S.-based companies, typically with revenues below $1 billion, including:

  • Drilling contractors
  • Mine blasting contractors
  • Non-operating working interests
  • Oil & gas lease operators
  • Pipeline operators - gathering systems only
  • Surface mining
  • Utilities and power generation
    • Independent power producers
    • Cogeneration
    • Electric, gas and water utilities
    • Regulated and unregulated utilities
    • Public and municipal utilities
    • Public and private cooperatives
    • Well servicing contractors


  • Refineries, underground mining
  • Primary commercial automobile coverage - only in conjunction with this Energy offer’s primary general liability placement
    • Trucking/transportation risks not accepted (e.g. fuel haulers)
    • Fleet composition must be below 200 total units and less than 30 percent classified as heavy, extra heavy or truck tractor
  • Lead umbrella coverage written only on supported basis above this energy offer’s primary policies. Mono-line coverage may be available via Westchester umbrella/excess liability for energy product


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 Westchester is a division of Chubb, 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. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also 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 maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: