Insurance for Railroad Contractors Businesses

Railroad Related Businesses Face Significant Risks

Rail contractors and other railroad related manufacturing and wholesaling businesses face significant risks. Work takes place close to tracks – often on the tracks. There’s damage to railroad tools, property or equipment, loss of items in transit to consider and more. Nevertheless, The Hartford can help railroad businesses prevail through crises and unexpected events.
Recommended Coverage for Railroad Related Businesses
We lead with General Liability Coverage that provides protection against injuries and property damage associated with railroad contracting, manufacturing and wholesaling work. This can also include coverage for advertising errors, libel, slander, defamation and product disparagement, including issues that occur on your website, bulletin boards and chat rooms. Manufacturer’s errors and omissions and product recall expense coverage can also be included.

The Hartford provides automatic protection for work within 50 feet of a railroad track (many carriers have an exclusion) plus automatic coverage for additional insureds and waiver of subrogation when required by written contract. Per project aggregate is also available.
Helps protect the property a railroad business owns or leases, including things like equipment, electronics and tools. Plus, railroad businesses can tailor coverage to suit the specific needs of their railroad company.
This can include coverage for:
  • Buildings and signs
  • Equipment breakdown and expediting expenses
  • Lost income because utility services are interrupted
  • Significant loss to stock
In addition, it helps cover property that is in transit and helps pay for the costs of pollution cleanup – should an accident occur.
Additional Solutions for Railroad Related Businesses
Helps cover the vehicles that a railroad contracting, manufacturing or wholesaling business owns, leases, rents or borrows – on the road and off, and even on the tracks. Our commercial auto insurance also helps cover electronic equipment in vehicles, along with lease and loan gaps. Plus, The Hartford provides a wide range of specialized services designed to help businesses improve their drivers’ safety. For railroad related industries, this coverage helps protect hired and non-owned vehicles, hi-rail vehicles, and mobile equipment.
Our specialized Inland Marine protection for railroad contracting, manufacturing and wholesaling businesses can protect:
  • Tools and equipment, including those that are owned, leased, rented or borrowed
  • Employees’ tools
  • Customers’ property in the care of the business
  • Raw materials awaiting installation at a job site
A separate policy for premises-operations coverage at railroad related worksite that provides separate limits of coverage for work conducted on or near railroad tracks or railroad property. Owners of railroad construction projects often require this coverage.

Railroad Insurance Plan

For more information on our Railroad Insurance Plan, or to get a quote, please contact:

Arrowhead General Insurance Agency, Inc.
Railroad Insurance Program
Matt Hetrick, Program Manager
P.O. Box 9070, Carlsbad, CA 92018-9070
Phone: 1-800-289-4319
Local Fax: 1-619-744-8313

Visit Us Online

The Hartford Claim Reporting Information
Phone: 1-800-327-3636 Fax: 1-800-347-8197

For Agents (dedicated claims reporting information)
Phone: 1-800-553-1710 Fax: 1-866-861-2513

Helpful Links

Railroad Insurance Solutions
Railroad Insurance Program Supplemental Application

The coverages and services described herein are summaries only. All policies should be read carefully to determine exclusions, limitations and other terms and conditions. In the event of a conflict, the terms and conditions of the policy will govern. All coverages and services may not be available for all businesses or in all states. Please contact your agent or broker for details.

Coverage is underwritten by Hartford Fire Insurance Co. and its property and casualty insurance affiliates. In California, this insurance is written by Sentinel Insurance Company, Ltd. (CA license #8701). In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In WA, this insurance is written by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident and Indemnity Company, Hartford Underwriters Insurance Company, Sentinel Insurance Company, Ltd. and Hartford Insurance Company of the Midwest.