Darwin : Premier Railroad Liability Insurance

Premier Railroad Liability

Eligible Risks

Short line railroads (Class III)
Terminal and switching railroads
Tourist, excursion, and scenic railroads
Railcar storage operations
Track owners
Railroad museums
Railroad equipment and locomotive lessors and lesseees
Hobbyist rail car collectors
Railroad contractors, service providers, and vendors

Limits

Up to $10 million per occurrence / $20 million aggregate

Features & Highlights

Claims-made commercial general liability and railroad liability for bodily injury, property damage, and personal / advertising injury
Coverage available for freight, passenger, and static display, and other exposures
Self-insured retentions as low as $5,000 (non-freight) and $25,000 (freight)
Seamless handling of claims and incidents by Railway Claim Services, Inc.; both within and excess of self-insured retention
FELA (Federal Employee Liability Act) coverage
Foreign rolling stock and bill of lading coverage
Evacuation expenses and pollution clean-up expenses arising from railroad accidents
Coverage for fire / fire suppression, explosion, and / or water damage
Punitive damages included as part of Loss, where insurable, with most favorable venue (subject to sublimit)
Broad definition of Property Damage, Bodily Injury, Personal / Advertising Injury
Broad definition of claim
Acts of God coverage
Coverage for short-term special events available by endorsement
Coverage for hired and non-owned auto liability available by endorsement (subject to sublimit)
Defense expenses outside the limit of liability on a select basis (subject to eligibility criteria)
Excess auto liability coverage (subject to eligibility criteria)

Territorial Restrictions

Applies to occurrences that take place worldwide, for claims brought in the U.S., Puerto Rico, or Canada. Written on a surplus-lines basis.

Submission Requirements

Coverage is offered exclusively on a program basis through Empire Insurance Services, LLC. Eligible risks may be submitted to:

Chris Little,
Executive Vice President
V 800 318 7868
F 800 318 7151
E clittle@empire-insurance-services.com

Darwin Professional Underwriters, Inc.
9 Farm Springs Road, Farmington, CT 06032

V 860-284-1300 | F 860-284-1301 | E info@darwinpro.com