skip to main content


Westchester’s Contractors Equipment insurance offers an extensive group of additional features is built into the risks of direct physical loss coverage form -- including expendable supplies, expediting expense, recovery, and fire equipment recharge expense – and the valuation is replacement cost.  Combined with optional coverages such as rental expense, leased or rented equipment, and employees' tools, in addition to an array of endorsements, the form can be tailored to fit most contractor needs. There is also a specialized coverage form for mobile equipment, and waterborne and underground exposures can be covered. Coverage is available on an admitted or non-admitted basis.


  • $25,000 minimum premium 


  • Up to $100 million


Nearly all types of contractors and operations, including:

  • Scaffolding
  • Concrete pumping
  • Street & road
  • Iron & steel erection
  • Water & sewer
  • Waste water
  • Electrical
  • Port operations
  • Airport operations
  • Leasing ops –(example:  crane leasing operations)

Also considered are crane leasing, quarry, heavy rigging, land clearing and water-well drilling equipment.


  • Underground mining, off-shore construction, and over the hole oil and gas equipment


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: