Railroad

Kinsale’s Railroad Division offers solutions for Class III shortline railroads, support activities and contractors, and other miscellaneous railroad-related risks.

Our Excess Railroad Liability and Excess Railroad Protective Liability products are targeted toward small-to-midsize unique risks, including those with risk factors that make them harder to insure.

Excess Railroad Liability:

Target Classes:

  • Class III short line freight railroads
  • Class III short line passenger railroads
  • Scenic and sightseeing railroads
  • Railcar and locomotive leasing
  • Support activities for rail transportation
  • Railroad museums
  • Railroad terminals and train stations

Policy Structure:

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

Excess Railroad Protective Liability:

Target Classes:

  • Railroad engineering construction
  • Railroad track contractors
  • Railroad electrical contractors, including signaling equipment
  • Railroad earthwork and grading contractors
  • General railroad contractors
  • Railroad mobile equipment operators

Policy Structure:

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

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