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Westchester’s Hazmat Transportation coverage offers protection for hazardous material or hazardous waste transporters, including pollution coverage.


  • Liability, statutory (PIP, UM), physical damage and other common or state-specific coverages
  • Pollution coverage automatically included (CA9948 or equivalent plus MCS-90)
  • Admitted paper; annual policy term
  • Available in 48 states (not available in MA and LA)
  • State and federal filings as needed
  • General liability and pollution liability coverages are available in conjunction with this coverage
  • Common enhancements include: wrong delivery of liquid products, trailer interchange, garage liability, and coverage for leased vehicles and owner-operator vehicles within the fleet.
  • Loss control and value-added services that provide education, training, and management resources



Westchester Environmental Hazardous Transporters Commercial Auto Application

Westchester General Freight Application


  • 10 Tractor units hauling at least 50% hazardous material
  • 25 Tractors or foilfield related bulk haulers such as brine/drilling mud/frac sand
  • 20 - 100 Tractors Min-Max for General Freight

Hazardous Material/Non-Hazardous Bulk

  • To $5M bodily injury and property damage liability capacity (Oilfield operators: $1M Max)
  • Statutory coverages as required
  • Physical damage, subject to various deductibles (Oilfield operators: no physical damage)

General Freight:

  • Minimal or no flatbed
  • Maximum liability is $1M
  • No gulf states or northeast exposures
  • Prefer regional radius (under 500 miles)
  • Hazardous material or hazardous waste transporters – for hire or private (transporting own product) between commercial locations
    • Bulk chemicals
    • Blended liquid products
    • Drummed products
    • Contaminated soils
    • Waste solvents and other waste products
  • Explosive haulers (UN Hazard Class 1 Explosives)
  • Garbage or refuse (Non-Hazardous Waste) Haulers
  • Residential delivery of product (Gasoline/Petroleum/Fuel Oil/Propane, etc.)
  • Massachusetts garaged or licensed vehicles
  • Gasoline/Diesel/Ethanol Haulers
  • Car/Boat/Livestock/Sand and Gravel Flatbed Haulers


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: