Alexander J. Wayne & Associates, Inc. offers a focused Railroad Protective Liability Insurance program designed for agents placing contractor work near railroad property. This program makes it straightforward to provide the railroad with the liability protection it requires when contractors are performing work adjacent to tracks, bridges, tunnels, signal houses and other railroad-owned facilities.
Overview of the Program from Alexander J. Wayne & Associates
Our Railroad Protective Liability product is written to benefit the railroad as the named insured and is typically paid for by the contractor. It responds to bodily injury, third-party property damage, and physical damage to railroad property arising from the contractor’s operations—commonly within 50 feet of the tracks. Alexander J. Wayne & Associates places this business through admitted capacity with major markets including Lexington and Zurich, and we provide both primary and excess solutions.
Coverage Highlights and Advantages
- Simple, one-page application to speed placement and binding.
- Fast, responsive underwriting and servicing tailored for wholesale brokers.
- Standard limits $2,000,000 / $6,000,000 with higher limits available.
- Primary or excess coverage available with capacity up to $100,000,000.
- Minimum premium typically starts at $4,500—flexible for a wide range of project sizes.
- Covers both first-party and third-party liability exposures to the railroad named insured.
Ideal Accounts and Appetite
This program is a strong fit when you represent contractors, utility companies, municipal agencies, or engineering firms performing work adjacent to active railroad property. Typical examples include:
- A construction contractor installing conduit or fiber optic cable crossing under tracks.
- A bridge repair crew performing maintenance on or near a railroad bridge.
- A municipal crew conducting signal or grade crossing improvements within the railroad right-of-way.
Accounts that generally fit: short-term project work near tracks, routine maintenance and installation projects, small-to-large construction jobs requiring the railroad to be an insured party. If work extends well beyond the railroad right-of-way or involves unusual operations not directly related to the railroad, consult underwriting for acceptability.
Underwriting Notes and Minimum Premiums
- Application: one page; include details of the scope of work, distance to track, and project duration.
- Limits: standard $2M/$6M; higher limits and excess towers available up to $100M capacity.
- Minimum premium: commonly $4,500, but final premiums depend on exposure, limits, and territory.
- Admitted availability varies by state—contact our desk for admitted vs. non-admitted options in a specific jurisdiction.
Territories and Availability
Program availability includes a wide roster of states and territories. Because admitted status and market capacity can differ by state, please confirm availability for the specific state where the work will occur. Alexander J. Wayne & Associates can advise on admitted placement where available and non-admitted or excess solutions when needed.
Why Work With Alexander J. Wayne & Associates
As a wholesale broker, Alexander J. Wayne & Associates combines fast turnaround, streamlined paperwork, and access to established markets (including Lexington and Zurich) to help you place standard and hard-to-place railroad protective liability risks. Our team is experienced in the unique requirements railroads ask for, and we can help structure primary or excess placements to meet both the railroad’s requirements and your contractor client’s needs.
Call Alexander J. Wayne & Associates today to discuss standard or complex Railroad Protective Liability placements and to get a quick quote for your client’s next project.
Frequently Asked Questions
What types of projects are a good fit for this Railroad Protective Liability program?
Short-term construction, maintenance, utility installation, and bridge or signal work located adjacent to railroad property are ideal. Projects where the railroad will be named as an insured and the contractor wants the railroad’s protection are typical fits.
What limits and capacity are available?
Standard limits are $2,000,000 / $6,000,000. Higher limits and excess capacity are available, and the program can place primary or excess layers with aggregate capacity up to $100,000,000, subject to underwriting.
How quickly can you bind coverage and what is required to submit?
We use a one-page application to speed the submission process. Binding times are often quick; provide scope of work, project location and duration, and the railroad’s insurance requirements to start underwriting.
Is this coverage available admitted in all states?
Admitted availability varies by state. Alexander J. Wayne & Associates can advise whether admitted or non-admitted placement is appropriate for the state where the work will be performed.
Who pays for the Railroad Protective Liability policy?
Typically the contractor procures and pays for the policy, but the railroad is the named insured and the policy exists to protect the railroad against liability from the contractor’s operations.
Need help placing an account? Connect with a market specialist.