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Railroad operations and contractors have unique liability needs. We offer coverage designed specifically for damages resulting from covered perils.

Coverage Highlights


  • Railroad liability claims made and occurrence forms including Federal Employers' Liability Act (FELA), foreign rolling stock and bill of lading coverage
  • General liability with tailored coverages for railroad contractors
  • Railroad protective liability (ISO) filed forms may be available
  • Excursion railroad liability occurrence coverage with tailored coverages for your clients unique exposures


  • Railroad contractors & excursion operations minimum deductible of $5,000


  • Up to $25 million
  • Railroad liability minimum SIR of $25,000

Client Profile

Our typical clients include:

  • Railroad Contractors
  • Railcar Lessors & Lessees
  • Suppliers
  • Shortline Railroads
  • Regional Railroads
  • Rail Service Companies
  • Tourist & Excursion Rail Operations
  • Rail Car/Locomotive & Parts Manufacturers
  • Track Owners


RAA-1000 (03-13) Railroad Protective Liability
RRA-3000 (03-13) Primary Commercial Liability
RRA-4000 (03-13) Primary Railroad Liability
RAA-2000 (03-13) Museum and Other Organizations
RAA-3000B (03-13) Railroad Contractors Supplemental
RAA-5000 (03-13) Excursion Railroad Liability

We use both ISO and proprietary forms.

Chubb Westchester will accept ACORD, ISO and Chubb applications as a risk submission. Depending upon the complexity of the risk or specific coverage issues, additional information may be required.

Chubb Tracks is offered through contracted wholesale brokers and approved retail brokers.

Send submissions to:

Useful Resources