The railroad's interest, the contractor's work, and the designated project are central to the policy structure.
Casualty and Excess
Railroad Protective Liability.
The railroad's agreement, project limits, and exact named insured drive this placement.
Railroad protective liability is a project-specific liability coverage commonly required when contractors perform work on or near railroad property. The railroad is typically the named insured, and the project, location, work, contract, limits, term, and interaction with the contractor's own liability program must be matched precisely.
Placement context
Facts to confirm before applying.
This coverage starts with the railroad agreement, not a generic application. The submission should mirror the railroad's legal name, project description, milepost or location, work period, contract number, required limits, and special terms. Small naming errors can make a policy unusable for the project.
Coverage scope
What the coverage may address.
Completed operations, contractual requirements, cancellation notice, project term, and aggregate treatment may be prescribed.
The contractor still needs its own GL, auto, workers compensation, pollution, and other project coverage as applicable.
Placement factors
Facts that affect placement.
- Construction, utility, maintenance, environmental, or infrastructure work near railroad property
- A contract requiring a railroad-specific form, limit, named insured, or cancellation provision
- Work involving track, bridges, crossings, excavation, cranes, signals, or rail operations
- A project with difficult duration, loss history, subcontracting, or heavy civil exposure
Coverage and access are separate questions
Coverage guidance does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
Submission preparation
Prepare a consistent underwriting file.
Account narrative
Make the submission read like the contract: exact parties, project, rail exposure, term, limits, and contractor controls supporting the work.
Include these facts
- The railroad agreement and insurance exhibit
- Exact railroad legal name, project owner, contract number, location, and work dates
- Detailed scope, distance from track, train operations, equipment, excavation, and subcontracting
- Contractor program, project values, payroll, losses, safety plan, and requested limits
Resolve these questions before market review
- Which railroad entity must be the named insured?
- What exact work occurs within the right of way and while trains remain active?
- Which contract term, form, notice provision, or limit must the policy satisfy?
- How do the railroad policy and contractor program divide the exposure?
Submission errors
Avoid these three issues.
- Submitting without the railroad's insurance exhibit
- Using a trade name instead of the required railroad legal entity
- Describing the work as construction without location, track proximity, rail activity, equipment, or duration
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
Read and downloadHedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Full active appointment appetite
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
General contractors
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Architects & engineers
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Review related exposures.
Casualty and Excess
Commercial General Liability
The class code gets the file opened. The operations narrative gets it quoted.
Open coverageProperty and Package
Builders Risk
The building changes every day. The submission has to explain what exists now and what will exist at completion.
Open coverageCasualty and Excess
Commercial Umbrella and Excess Liability
More limit is not the same as more coverage.
Open coverageHedge review
Send the account for review.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.