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Railroad insurance that goes the distance.
With over 30 years of experience in the market, Markel understands the unique needs of the railroad industry, offering flexible coverage options and tailored terms. Our dedicated claims adjusters and industry-leading underwriting standards ensure that your clients' needs are always a top priority.
Built for the long haul: Reliable insurance for railroads
At Markel, our railroad insurance offers quality coverage options for passenger, freight and other rail operations. With flexible solutions designed to help meet your specific needs, you can tailor coverage to address unique contracts or specialized risks. Choose from primary, excess and quota share options, and find confidence in your coverage with insurance solutions built for the demands of rail.
Why do you need railroad insurance?
The railroad industry serves as the backbone of safe and efficient transportation, enabling the movement of goods across vast distances. Railroad insurance is essential in safeguarding companies from the unique risks of accidents, keeping their operations on track.
What we offer
Markel provides specialized railroad insurance coverage for a wide array of risks, including but not limited to:
- Short-line railroads (Class III)
- Regional railroads (Class II)
- Tourist and scenic railroads
- Leased rolling stock
- Leased track and roadbed
- Run-through locomotive agreements
- Railroad contractors
- Commuter rail and light rail
Tailored coverage designed to help meet your unique railroad needs.
Markel provides 1st party rolling stock railroad insurance that not only covers your railroad equipment but also protects the goods under your care, custody, and control. Coverage can include:
- Railroad related real and personal property
- Locomotives
- Rolling stock
- Brides and tunnels
- Track and roadbed
- Contractors equipment
- Maintenance of way equipment
- High rail vehicles
- Crossing signals
- Foreign rolling stock
- Bill of landing
- Time elements
Earthquake and flood coverage included in Markel’s base railroad rolling stock insurance policy.
Trusted railroad insurance provider
Markel’s railroad insurance is a leading choice for rail operators across the U.S.
Tailored insurance solutions
With over 30 years of experience, our team of seasoned railroad underwriters is dedicated to providing exceptional service and crafting customized solutions that effectively address your unique operational risks.
Experienced and knowledgeable team
Our experienced railroad underwriters are dedicated to providing exceptional customer service along with innovative railroad insurance solutions designed to help meet your unique insurance needs.
Dedicated and responsive claims team
Our claims professionals bring deep industry knowledge and dedication to fast, effective claims handling, keeping your operations moving forward.
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Frequently asked questions about railroad insurance
Does Markel offer third-party general liability railroad insurance?
Markel specializes in first-party railroad insurance, which covers damage to property the insured owns, leases, is responsible for by contract or holds in their care, custody and control. However, Markel does not offer third-party liability railroad insurance, which would cover damage or injury to other people or entities caused by the insured’s actions, operations, premises or employees.How does first-party railroad insurance differ from third-party liability insurance?
First-party railroad insurance protects your own assets, such as equipment and cargo, while third-party liability insurance covers damages or injuries caused to others by your railroad operations.What is first-party railroad insurance?
First-party railroad insurance provides coverage for your own property, including railroad equipment and goods under your care, custody and control in the event of damage or loss.What does rolling stock insurance cover?
Rolling stock insurance covers your railroad equipment, such as locomotives, freight cars and other rolling assets, protecting them from accidents, theft and other covered perils.What types of perils are covered under first-party railroad insurance?
Coverage typically includes accidents, derailments, collisions, fires and theft, as well as acts of God (wind, earthquake, and flood).Is my railroad equipment covered while it's stationary or in transit?
Yes, first-party railroad insurance usually covers your equipment both while stationary and in transit, providing protection against various perils.Can I customize my policy to my specific needs?
Yes, Markel offers customizable coverage options to ensure your insurance aligns with your unique operational needs and risks.How do I file a claim?
Report your event insurance claim immediately by calling our office at +1.800.362.7535, or completing the online claim form.
We're here to help you protect your business and its future.
Markel offers quality railroad insurance for passenger, freight, and other rail operations. Our flexible coverage options can be tailored to meet your specific needs, including primary, excess, and quota share options. Ready to learn more? Contact us today!
