Coverage Options
Heritage Railroad Insurance
Every policy a heritage or short-line railroad needs — in one place, from specialists who know railroading.
General Liability Insurance
General liability is the foundation of railroad operator coverage. It protects against third-party claims of bodily injury or property damage arising from your premises, depots, and public operations.
Railroad Liability Insurance
Railroad liability is the core specialty coverage for an operating railroad, addressing the exposures unique to running trains — grade crossings, right-of-way, host-railroad indemnity, and FELA worker-injury claims.
Passenger Liability Insurance
Passenger liability covers claims brought by the riders you carry — excursion passengers, dinner-train guests, and tour groups — injured while boarding, riding, or detraining your equipment.
Rolling Stock & Equipment Insurance
Rolling stock coverage protects the equipment at the heart of your railroad — locomotives, passenger coaches, freight cars, and restoration projects — against fire, derailment, vandalism, and physical damage.
Commercial Property Insurance
Commercial property covers the fixed assets of your railroad — depots, museum buildings, restoration shops, station structures, and contents — against fire, storm, theft, and other covered perils.
Pollution Liability Insurance
Pollution liability covers the environmental exposures inherent to railroading — diesel fuel and oil spills, lubricant releases, and contamination — including third-party claims and the cost of cleanup.
Workers Compensation Insurance
Workers comp covers your non-operating employees — gift shop, food service, museum, and grounds staff — while operating railroad crews are covered for injury under FELA. We coordinate both so every worker is protected.
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.