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(800) 247-2085

Railroad Liability

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. 


Target Clients

  • Freight railroads

  • Passenger railroads

  • Railcar lessors and lessees

  • Railroad contractors

  • Railroad Service providers and product manufacturers

  • Track owners

  • Railroad Suppliers

  • Rail Service Companies

  • Tourist & Excursion Rail Operations

  • Rail Car/Locomotive & Parts Manufacturers

  • Clients in need of Railroad Protective

Coverage Highlights

  • Railroad 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

Required Information to Quote

  • Railroad Application

  • Full description of operations for each entity

  • Minimum five years of historical losses

  • Minimum five years exposure data


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.

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T. 989.738.6400

T. 800.247.2085

Underwriting 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:

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