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Westchester’s Non-Environmental Contractors pollution liability coverage includes: bodily injury liability, property damage liability, and cleanup costs for a pollution condition arising from the insured’s operations that results in claims. Coverage is available on an occurrence or claims-made basis, as well as a practice policy or project-specific policy (including OCIPs and CCIPs). 

Features a broad definition of your work, including work performed by, or on behalf of, the named insured.

Additional enhancements available include: 

  • Separate Defense
  • First- and Third-party Transportation
  • Non-Owned Disposal Site coverage
  • Sudden and Accidental Premises Pollution coverage. 
  • Catastrophe Management coverage


  • $1,000 minimum premium for $1M / $1Million limits


  • Up to $25 million


Most commercial contractors, including but not limited to:

  • Carpentry or Framing
  • Concrete
  • Demolition
  • Electrical
  • Excavation/Site Development
  • General Contracting/Construction Management
  • Insulation
  • Landscaping
  • Masonry
  • Mechanical/HVAC/Plumbing
  • Roofing
  • Street & Road


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: