Kinsale Insurance Company
2 min read
11/17/2025

Fast track coverage for your Railroad accounts

Explore Railroad Solutions with Kinsale

 

Key Takeaways:

 


 

Kinsale’s Railroad Division recently introduced two new primary Railroad products: Railroad General Liability and Railroad Protective Liability. We also offer standalone Excess Railroad Liability for Class III short line railroads and their associated operations.

If you haven’t gotten to know our newly expanded coverage options and broad appetite, we invite you to take a closer look today.

 

Railroad General Liability (GL)

Our Railroad GL is a Commercial General Liability policy with an endorsement specific to railroad contractors.

  • $1M/$2M limit capacity
  • Follow-Form Excess over Claims-Made or Occurrence Forms
  • Up to $5M in excess capacity available
Railroad Protective Liability (RRP)

RRP can be secured by a contractor to protect the Railroad on which they are performing a job or project.

  • $2M/$6M limit capacity
  • Follow-Form Excess over Occurrence forms
  • Up  to $5M in excess capacity available
Excess Railroad Liability

Our Excess Railroad Liability offers additional coverage for Class III short line railroads & their operators, as well as for train stations & museums.

  • Follow-Form Excess over Claims-Made or Occurrence Forms
  • Up to $5M in capacity available

 

Explore Our Full Appetite

In addition to flexible limits, including available excess options for our primary coverage products, all of our Railroad coverages options are backed by the quick turnaround, creative underwriting, and best-in-class service you’ve come to expect from Kinsale.

Get Your Railroad Quote Now

Explore the Potential of a broad appetite for Railroad accounts with Kinsale.

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