Railroad solutions

Railroad logistics are famously precise. Help protect your business and the industry reputation with insurance coverage that plans for efficient daily operations and recovery from critical, covered events. Zurich railroad programs combine proactive risk management with customizable coverages for your operation.

Why Zurich?

Our railroad insurance specialists are long-standing members of the railroad community with extensive experience managing railroad insurance-related risks. Drawing on decades of knowledge, strong industry relationships and the worldwide resources of the Zurich Insurance Group, these specialists are able to customize solutions and services that aim to meet traditional and newly emerging needs of the rail industry – globally and locally.

railroad tracks perspective

Solutions for railroad companies

Railroad protective liability

Railroad protective liability is designed to provide coverage for your rail network in the event of an accident involving independent contractors working for your business or a third party adjacent to, or on, your railroad property. The policy is purchased by the contractor in the name of the railroad, and includes:

  • Occurrence and claims-made forms
  • Basic limits: $2,000,000 occurrence and $6,000,000 aggregate
  • Higher limits available on request
  • Blanket railroad protective program-contractors
  • Fuel and lubricant endorsements available
  • Admitted and non-admitted paper

Rail servicing liability

Zurich provides insurance coverage on a primary and excess basis for railroad service companies and railroad suppliers. Coverages include:

General liability:

  • Limits of liability: $1,000,000 to $5,000,000 any one occurrence with matching aggregate
  • Stopgap liability
  • Independent contractors coverage available
  • Incidental malpractice
  • Occurrence and claims-made policy forms
  • Admitted and non-admitted paper

Automobile liability and physical damage:

  • Primary and excess coverage available
  • Owned, non-owned and hired vehicle coverage
  • Drive other car coverage
  • Railroad as additional insured where needed
  • Admitted policies

Umbrella liability/excess liability:

  • Limits of liability up to $25,000,000 any one occurrence; aggregate where applicable
  • Additional limits available upon request
  • Occurrence and claims-made policy forms
  • Defense outside limits forms
  • Pollution coverage available
  • “Pay on behalf of” forms
  • Worldwide territory
  • Admitted and non-admitted policies

Additional coverages:

  • Contractors equipment
  • Contamination and pollution liability

Railroad operations

Our coverages are written on an occurrence or claims-made basis for a wide range of railroad operations. Coverage highlights include:

  • Primary and excess programs available
  • Comprehensive liability insurance policy for railroads (CLIPR) including, but not limited to, the following standard coverages:
    • FELA
    • Foreign rolling stock
    • Bill of lading
    • Evacuation and evacuation expenses
    • Fire suppression expenses
    • Limited contamination and pollution coverage directly resulting from a railroad accident
    • Definition of railroad accident amended to include unintended fire and explosion
    • Bodily injury and property damage
    • Acts of God


  • Contingent liability for lessors of rail equipment (LCNTG)
  • General liability for track owners (GLRR)
  • Railroad force account insurance

Other value-added services available to qualified customers:

  • 24-hour, 7-day-a-week emergency response number 1-800-RRESCUE (1-800-773-7283)
  • Underwriting survey (engineering)
  • Underwriting claim services and claim audits
  • Zurich Environmental Emergency Response (ZEER): Environmental emergency solutions for railroads

Crisis management

Zurich’s Crisis Management Expense Reimbursement enhancement offers up to $25,000, outside the limits of the policy, but in excess of a $5,000 self-insured retention (SIR).

Zurich has access to the industry-leading public relations firms* that are available to railroad businesses to help control the extent of the damages, mitigate issues related to the event, and minimize reputational impact. Expert public relations services* are tailored to your specific needs and may include:

  • Help with messaging press release
  • Guidance on social media and other online communications
  • Assistance in handling the media/press
  • Grooming company executives for speaking to the media
  • Setting up an 800 number to handle calls regarding the crisis

*The public relationship firms are not subsidiaries or affiliates of Zurich and use of their products and services are independent of, and not included within, Zurich’s products or services. Zurich expressly disclaims any and all damages and other costs that may arise related to the use of or reliance upon the products, services, representations or warranties made by or on behalf of the firms.


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