Railroad solutions

Railroad logistics are famously precise. Help protect your business and the industry's reputation with insurance coverage that plans for efficient daily operations and recovery from critical, covered events. Zurich railroad programs combine proactive risk management with customizable coverages for your operation.

Why Zurich?

Our railroad insurance specialists are long-standing members of the railroad community with extensive experience managing railroad insurance-related risks. Drawing on decades of knowledge, strong industry relationships and the worldwide resources of the Zurich Insurance Group, these specialists are able to customize solutions and services that aim to meet traditional and newly emerging needs of the rail industry – globally and locally.

Solutions for railroad companies

  • Railroad liability
    Our coverages are written on an occurrence or claims-made basis for a wide range of railroad liabilities. Coverage highlights include:
    • Primary and excess programs available
    • Commercial liability insurance policy for railroads including, but not limited to, the following standard coverages:
      • Foreign rolling stock
      • Bill of lading
      • Evacuation and evacuation expenses
      • Fire suppression expenses
      • Limited contamination and pollution coverage directly resulting from a railroad accident
      • Definition of railroad accident amended to include unintended fire and explosion
      • Bodily injury and property damage
      • Acts of God
    • Contingent liability for lessors or lessees of rail equipment
    • General liability for track owners

    Excess liability:

    • Limits of liability up to $25 million any one occurrence; aggregate where applicable
    • Occurrence and claims-made policy forms
    • Defence outside limits forms
    • Pollution coverage available
    • “Pay on behalf of” forms

    Other value-added services available to qualified customers:

    • Comprehensive risk services
    • Zurich Environmental Emergency Response (ZEER): Environmental emergency solutions for railroads

      > Learn more about Zurich's railroad solutions
    • Crisis management
      Zurich’s Crisis Management Expense Reimbursement enhancement offers up to $25,000, outside the limits of the policy, but in excess of a $5,000 self-insured retention (SIR).

      Zurich has access to the industry-leading public relations firms* that are available to railroad businesses to help control the extent of the damages, mitigate issues related to the event, and minimize reputational impact. Expert public relations services* are tailored to your specific needs and may include:
      • Help with messaging press release
      • Guidance on social media and other online communications
      • Assistance in handling the media/press
      • Grooming company executives for speaking to the media
      • Setting up a toll-free number to handle calls regarding the crisis
      > Learn more

      *The public relationship firms are not subsidiaries or affiliates of Zurich and use of their products and services are independent of, and not included within, Zurich’s products or services. Zurich expressly disclaims any and all damages and other costs that may arise related to the use of or reliance upon the products, services, representations or warranties made by or on behalf of the firms.


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