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Westchester’s Product Manufacturers & Distributors pollution liability policy covers third-party claims resulting from pollution conditions arising from the insured’s product, and includes coverage for:  bodily injury liability, property damage liability, and cleanup costs.

It is available as a stand-alone policy, or in a combined package with other coverages, including:  general liability, contractor’s pollution liability, and premises pollution liability. It features the option of either claims-made or occurrence coverage, and multiple products and manufacturing locations may be included on one policy. 

Additional coverages are available, including: 

  • Primary Commercial Auto
  • Follow Form Excess


  • $5,000 minimum premium (with GL)
  • $5,000 minimum premium (monoline products pollution)


  • Up to $10 million


  • Drums & containers
  • Storage tanks
  • Valves
  • Pipes, pipe fittings
  • Industrial chemicals
  • Coatings - paints, varnishes
  • Industrial soaps, detergents, cleaners
  • Air/water filtration equipment
  • Instruments, gauges
  • Compressors, pumps
  • Containments systems
  • Environmental monitoring and remediation systems


  • Food, cosmetic and pharmaceutical related products
  • Aerospace products
  • Medical equipment
  • Consumer products
  • Hydraulic fracturing and oil/gas drilling products


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: