2026 Railroad Passenger Car Alliance Insurance Program

• 2026 RPCA Inland Marine / Rolling Stock 

• 2026 RPCA Liability Application 

 

United Shortline Insurance Services is proud to be the insurance provider for the Railroad Passenger Car Alliance (RPCA) and it's members.

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How do I take advantage?

• This insurance requires a membership with the RPCA - Railroad Passenger Car Alliance.

• It is coverage specifically designed for private rail car owners.

• Once membership is complete, fill out the applicable forms and applications on this page. 

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Current Members

The renewal application for the Rail Passenger Car Alliance (RPCA) Liability and Physical Damage Program are linked above to complete. 

The policy renews annually on February 21st. 

**Mid-term additions are allowed and will be charged at varying prorated premiums.

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Applying is as easy as... A, B, C...

• A. Download the specific application for the coverage required. 

• B. Complete the application(s) digitally via PDF (it will calculate premium) or print & fill out by hand.

• C. Print the completed application form, sign and mail with a check to United Shortline Insurance Services (or your specific agent)

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Coverage Limits

​RPCA Inland Marine Limits Of Insurance:

• Valuation: Actual Cash Value

• Deductibles: $1000; ( Flat Wheel: $2500, Flood/Earth Quake: $10,000 )

• Liability: $1,000,000 Any one member

• Newly Acquired Property: Up to $250,000

• Add’l Debris Removal Expense: Up to $75,000

• Fire Protective Systems: Up to $75,000

• Flat Wheel Coverage

• Fire Department Service Charge: Up to $25,000

• Pollutant Clean-up & Removal: Up to $25,000

• Rerailment Expense: Up to $25,000

• Valuable Papers & Records: Up to $50,000

RPCA Liability Limits

• Liability limit offerings for this policy:

  • $1,000,000/2,000,000

  • $2,000,000/$4,000,000

  • $5,000,000/$10,000,000

• $2500 SIR Per Occurrence
   

Report all claims direct to United Shortline

• Email Ashley Pettit: ashley@unitedshortline.com

 

NO REFUNDS or
RETURN ON PREMIUM​​

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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