Railroad Protective Liability

Contractors who perform work within 50-feet of any railroad-owned property are required to have Railroad Protective Liability insurance. The coverage is project specific and covers bodily injury and property damage arising from acts or omissions relating to job-site operations being performed by the designated contractor.

Coverage Highlights

Benefits

• Admitted paper in all 50 states
• 24/7 rail claims services
• Available on an occurrence basis:
• Policy periods that span from the project start to end date (5 year maximum)

Minimums

• Railroad contractors & excursion operations minimum deductible of $5,000

Limits

• Typical coverage limits are $2 million each occurrence/$6 million aggregate or $5 million each occurrence/$10 million aggregate
  • Up to $25 million in total capacity

  Client Profile

  Our typical clients include:

  • Railroad Contractors
  • Railcar Lessors & Lessees
  • Suppliers
  • Shortline Railroads
  • Regional Railroads
  • Rail Service Companies
  • Tourist & Excursion Rail Operations
  • Rail Car/Locomotive & Parts Manufacturers
  • Track Owners

  Forms/Applications

  We use both ISO and proprietary forms.

  Chubb Westchester will accept ACORD, ISO and Chubb applications as a risk submission. Depending upon the complexity of the risk or specific coverage issues, additional information may be required.

  Chubb Tracks is offered through contracted wholesale brokers and approved retail brokers.

  Useful Resources

  Railroad Protective Liability: Are Your Clients on the Right Track?

  Railroad Protective Liability insurance is required of contractors who perform work within 50-feet of any railroad-owned property. Learn more here.