Key Risk Groups:
Contractors working in proximity to railroad tracks, including those performing construction, maintenance, or utility work within 50 feet of a railroad, are exposed to unique liability risks. These operations often require specialized coverage to satisfy railroad requirements and protect against third-party claims resulting from work near active rail lines.
Overview of the Program From AI Risk:
AI Risk offers a dedicated Railroad Protective Liability (RRP) insurance program tailored for contractors and subcontractors working near or on railroad properties. Whether your client is performing excavation, grading, utility installation, or roadwork near rail crossings, this program is designed to meet the railroad’s contractual insurance requirements and provide critical liability protection.
Ideal Accounts and Appetite:
This program targets a broad range of contractor types who are required to obtain RRP coverage by the railroad as a condition of their work. Ideal submissions include:
- General contractors and subcontractors working near railroads
- Utility and pipeline installers
- Bridge and road construction firms
- Grading and excavation contractors
Example: You may have a client performing underground utility installation along a municipal road that intersects a railway. This is a great fit for AI Risk's program.
Coverage Highlights and Advantages:
AI Risk’s Railroad Protective Liability policy provides occurrence-based coverage that protects the railroad from liability arising out of the contractor’s operations. Coverage includes:
- Third-party bodily injury and property damage liability
- Legal defense costs
- Limits available above $2,000,000
Policies are offered on a short-term or annual basis, depending on project duration and railroad contract requirements.
Underwriting Notes and Minimum Premiums:
AI Risk underwrites this program with AIG, offering flexible terms to meet a variety of project types and durations. Minimum premiums are as follows:
- $3,030 – Short-term policies with limits of $2,000,000 or less (occurrence basis)
- $5,050 – Annual policies with limits of $2,000,000 or less (occurrence basis)
- $7,575 – Annual policies with limits above $2,000,000 (occurrence basis)
Submissions should include project scope, duration, and railroad agreement details to ensure accurate and timely quoting.
Territories and Availability:
This Railroad Protective program is available in all 50 states and the District of Columbia. AI Risk is positioned to support agents nationwide with underwriting expertise and responsive service.
Why Work With AI Risk on This Business:
As both a managing general agency and a carrier partner, AI Risk delivers deep expertise in specialized liability programs. With access to AIG and a national reach, AI Risk provides tailored solutions for contractors working in high-liability environments. Agents benefit from knowledgeable underwriting support, competitive pricing, and the ability to efficiently meet railroad insurance requirements for their clients.
Frequently Asked Questions
What types of accounts are a good fit for this Railroad Protective program?
Contractors working within 50 feet of a railroad, including utility installers, excavators, and general contractors with railroad access agreements, are ideal candidates.
Does the program offer short-term policies?
Yes, AI Risk offers both short-term and annual Railroad Protective Liability policies based on project duration and railroad requirements.
What information is needed to get a quote?
You’ll need to provide details such as the project scope, duration, location, and the railroad’s insurance requirements.
Is the program available nationwide?
Yes, this program is available in all 50 states and the District of Columbia.
Which carrier underwrites this coverage?
The Railroad Protective Liability coverage is underwritten by AIG through AI Risk.
Need help placing an account? Connect with a market specialist.