PROTECTION FOR CONTRACTORS NEAR RAILROADS

Railroad Protective Liability Insurance

One job near the tracks. One accident. One claim against the railroad. Without the right policy, the project can stall fast. We help you secure the coverage the railroad requires.

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PROTECTION BUILT FOR RAILROAD PROJECTS

Why Your Railroad Insurance Agent Matters

Work on or near railroad property comes with specialized insurance requirements. You need an advisor who understands them.

Railroad-Specific Expertise

We understand the insurance demands tied to work within 50 feet of the tracks, on the right-of-way, or on railroad-owned property.

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No Coverage Gaps

Standard general liability policies often exclude railroad-related work. We help you secure the specialized protection railroads expect before work begins.

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Better Options, Less Delay

We help contractors move faster by matching project requirements with the right coverage, so you can avoid last-minute surprises and keep the job on schedule.

COMMON QUESTIONS

Railroad Protective Liability Insurance FAQ

Quick answers to help you understand when RPLI is required and what it protects.

What is Railroad Protective Liability Insurance?
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Railroad Protective Liability Insurance, often called RPLI, is a specialized policy that protects the railroad from liability arising out of a contractor's work on or near railroad property.
Who needs RPLI?
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Contractors performing work on railroad property, within the railroad right-of-way, or typically within 50 feet of the tracks are often required to carry RPLI. The railroad is usually the named insured, even though the contractor pays for the policy.
What does RPLI cover?
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RPLI typically helps cover claims involving third-party bodily injury, third-party property damage, and damage to railroad property caused by the contractor's operations.
Why isn't general liability enough?
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Many standard commercial general liability policies exclude work performed near railroads. RPLI fills that gap by providing the project-specific protection railroads usually require.
Does RPLI replace my contractor liability policy?
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No. RPLI does not replace your general liability coverage. It is designed to protect the railroad for exposures tied to your project, while your business should still maintain its own core insurance policies.
Why is RPLI important?
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RPLI helps protect both the contractor and the railroad from the unique liability exposures that come with railroad work. It can also be essential for meeting contract requirements and keeping the project moving.
How fast can I get a quote?
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If you have the project details and railroad requirements ready, the process can move quickly. Reach out to start your quote, and we can help you identify what is needed.