(989) 738-6400
Innovative insurance solutions for the railroad industry since 1986.
2024 Railroad Passenger Car Alliance Insurance Program
United Shortline Insurance Services is proud to be the insurance provider for the Railroad Passenger Car Alliance (RPCA) and it's members.
How do I take advantage?
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This insurance requires a membership with the RPCA - Railroad Passenger Car Alliance.
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It is coverage specifically designed for private rail car owners.
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Once membership is complete, fill out the applicable forms and applications on this page.
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.
Applying is as easy as... A, B, C...
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A. Download the specific application for the coverage required.
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B. Complete the application(s) digitally via PDF (it will calculate premium) or print & fill out by hand.
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C. Print the completed application form, sign and mail with a check to United Shortline Insurance Services (or your specific agent)
Coverage Limits
RPCA Inland Marine Limits Of Insurance:
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Valuation: Actual Cash Value
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Deductibles: $1000; ( Flat Wheel: $2500, Flood/Earth Quake: $10,000 )
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Liability: $1,000,000 Any one member
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Newly Acquired Property: Up to $250,000
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Add’l Debris Removal Expense: Up to $75,000
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Fire Protective Systems: Up to $75,000
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Flat Wheel Coverage
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Fire Department Service Charge: Up to $25,000
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Pollutant Clean-up & Removal: Up to $25,000
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Rerailment Expense: Up to $25,000
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Valuable Papers & Records: Up to $50,000
RPCA Liability Limits
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$2500 SIR Per Occurrence
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$5,000,000 Each Occurrence
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$10,000,000 Aggregate Limit
Report all claims direct to United Shortline
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Call (800) 247-2085
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or email... Ashley Pettit directly
NO REFUNDS or
RETURN ON PREMIUM
Additional Forms/Applications
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.
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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ASLRRA –
American Shortline Railroad Association, Inc. -
ATRRM –
Association of Tourist Railroad & Railway Museums -
RPCA –
Railroad Passenger Car Alliance -
NRHS –
National Railway Historical Society -
NRCMA –
National Railroad Construction and Maintenance Association -
MRA -
Michigan Railroads Association -
Michigan State University
Center for Railway Research and Education