Railroad Contractors

Railroad operations and contractors have unique liability needs. We offer coverage designed specifically for damages resulting from covered perils. USI can offer markets for both primary and excess programs over a wide variety of lines. 

We lead with General Liability Coverage that provides protection against injuries and property damage associated with railroad contracting, manufacturing and wholesaling work. This can also include coverage for advertising errors, libel, slander, defamation and product disparagement, including issues that occur on your website, bulletin boards and chat rooms. Manufacturer’s errors and omissions and product recall expense coverage can also be included.

The Hartford provides automatic protection for work within 50 feet of a railroad track (many carriers have an exclusion) plus automatic coverage for additional insureds and waiver of subrogation when required by written contract. Per project aggregate is also available.

Target Clients

  • Railroad contractors

  • Railroad Service providers and product manufacturers

  • Track owners

  • Railroad Suppliers

  • Tourist & Excursion Rail Operations

  • Rail Car/Locomotive & Parts Manufacturers

  • Clients in need of Railroad Protective

Coverage Highlights

  • Commercial Liability

    • Claims made and occurrence forms

    • Federal Employers' Liability Act (FELA),

    • Foreign rolling stock & bill of lading coverage

  • Tourist / Excursion Railroad Liability with tailored coverages 

  • Excess Liability

  • Contingent Liability

  • Railroad Protective Liability

  • Comprehensive General Liability (CGL)



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


Typical Limits

  • Up to $25 million 

  • Railroad liability minimum SIR of $25,000


Primary Railroad Liability

Excursion Railroad Liability
Railroad Protective Liability
Railroad Contractors Supplemental

Railroad Property & Inland Marine Supplemental

United Shortline Insurance Services accepts ACORD, ISO and proprietary program applications as submissions for risk.

Depending upon the complexity of the risk or specific coverage issues, additional information may be required.

  • White LinkedIn Icon

T. 989.738.6400

T. 800.247.2085

Product Manager

Licensed in 45 States.

As a proud supporter and member of the railroad industry, USI is an active member of the following industry associations: