About Locomotive Insurance
Specialists in heritage and short-line railroad insurance since 2005.
Insurance Built for Railroads
Locomotive Insurance is a specialty division of Contractors Choice Agency, an insurance agency founded in 2005 and dedicated to serving businesses that standard carriers overlook.
We've specialized in railroad insurance long enough to know the nuances that matter: why FELA changes everything for operating crews, how host railroads structure their indemnity demands, and what it takes to insure irreplaceable heritage rolling stock.
Our approach is straightforward: understand your railroad, shop specialty markets that price railroad risk fairly, and provide the certificates and service a working railroad operator actually needs.
Ready to Get Your Railroad Insured?
Same-day quotes for railroad operators. Call or fill out our quote form and we'll have your options ready today.
Ready to Protect Your Railroad?
Get a comprehensive quote in minutes. Same-day binding, same-day certificates. Specialty coverage for heritage railroads, museums, and short lines.