Railroad Protective Liability

Constructing Coverage to Keep Your Business Rolling...

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Railroad Protective Liability (RRP) insurance is required of contractors who perform work on or around (within 50 ft) of railroad tracks, railroad right-of-way or owned railroad property. 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.

A railroad protective liability policy meets several unique insurance needs in relation to commercial work conducted on or near railroad lines and railroad property. A typical commercial general liability policy specifically excludes any part of a contract or agreement that indemnifies a railroad for losses that result from construction or demolition within 50 feet of any railroad property, or that affects any railroad bridge, trestle, tract, roadbed, tunnel, underpass or crossing. 

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> Need more info? Read "What is ... Railroad Protective?"  
 

Target Clients

• Commercial Contractors in need of Railroad Protective Liability

• Railroad contractors

• Railroad Service providers and product manufacturers

• Track owners

• Railroad Suppliers

• Rail Service Companies

• Rail Car/Locomotive & Parts Manufacturers

Coverage Highlights

• ISO coverage form required by the Railroad Insurance Management Association (RIMA)

• Occurrence basis with defense outside the limits

• Admitted market basis, and deductibles are generally not required

• Policy is for the term of the job, not annual basis

• Typical limits are $2/6 million and $5/10 million (higher limits available)

• $2,500 minimum premium

 

Minimums

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

 

Typical Limits

• Up to $25 million 

• Railroad liability minimum SIR of $25,000

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Forms/Applications

Railroad Protective Liability

Primary Railroad Liability

Excursion Railroad Liability
Railroad Contractors Supplemental

Railroad Property & Inland Marine Supplemental

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Send submissions to: juliepettit@shortlineins.com

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

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

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