- Highly skilled and responsive underwriters specializing in Railroad Protective Liability insurance
- Quote turn around in 24 hours or less with complete application
- Professional claims and loss control team dedicated to the rail practice
A contractors’ general liability policy is not sufficient to address the unique set of risks that construction projects built alongside or over a railroad tend to carry. In fact, CGL policies typically exclude the contractor’s work within 50 feet of a railroad. Therefore, railroad operators will require the contractor(s) to provide a Railroad Protective Policy in addition to all other insurance requirements. 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.
Coverage Highlights
Benefits
- Admitted paper in all 50 states
- 24/7 rail claims services
- Available on an occurrence basis:
- Policy periods that span from the project start to end date (5 year maximum)
Minimums
- Railroad contractors & excursion operations minimum deductible of $5,000
Limits
- Typical coverage limits are $2 million each occurrence/$6 million aggregate or $5 million each occurrence/$10 million aggregate
- Up to $25 million in total capacity
Client Profile
Our typical clients include:
- Railroad Contractors
- Railcar Lessors & Lessees
- Suppliers
- Shortline Railroads
- Regional Railroads
- Rail Service Companies
- Tourist & Excursion Rail Operations
- Rail Car/Locomotive & Parts Manufacturers
- Track Owners
Forms/Applications
Applications
RAA-1000 (03-13) Railroad Protective Liability
RRA-3000 (03-13) Primary Commercial Liability
RRA-4000 (03-13) Primary Railroad Liability
RAA-2000 (03-13) Museum and Other Organizations
RAA-3000B (03-13) Railroad Contractors Supplemental
RAA-5000 (03-13) Excursion Railroad Liability
We use both ISO and proprietary forms.
Chubb Westchester will accept ACORD, ISO and Chubb applications as a risk submission. Depending upon the complexity of the risk or specific coverage issues, additional information may be required.
Chubb Tracks is offered through contracted wholesale brokers and approved retail brokers.
Send submissions to: railroad@chubb.com
Useful Resources
Railroad Protective Liability: Are Your Clients on the Right Track?