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A Quick Summary of Railroad Property and Liability Insurance

Railroad Property Liability Insurance

Various forms of railroad exposures include short line, regional, light transit, and national among other types.

The big specializing insurers, like Lloyds of London, generally provide commercial railroad property coverage.

The FELA (Federal Employers Liability Act) coverage is required to protect against work-associated injuries incurred by employees, as well as commercial general liability and cargo legal liability coverage. Foreign rolling stock coverage is also a necessary form of coverage to shield from associated legal liability in regard to damages on non-owned rolling stock during the time it is under the railroad’s care/custody/care.

Railroad Protective Liability Insurance

Railroad protective liability coverage is comparable to Owners & Contractors Protective Liability bound under a commercial general liability form.

The coverage protects the contractor working on a building project who needs to go across or work next to a railroad’s property.

Generally, railroad businesses compel contractors to implement very broad hold harmless agreements prior to allowing the commencement of construction work. Insurance is bound under the name of the railroad, but is bought by the contractor.

This coverage includes:

  • Bodily injury

  • Property damage liability

  • Physical damage to railroad’s property

For more information about related railroad insurance, contact an experienced independent agency.

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Summary: Prime Insurance brings this synopsis on railroad property and protective liability insurance coverage.



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