Front of train icon
Railroad Liability

Railroad through woods

Sometimes, finding the Railroad Liability coverage you need isn’t as easy as clicking a button. At Liberty, we know how to keep you protected with our range of products tailored specifically for the railroad industry. You have questions about railroad products, and our team of railroad professionals know how to answer them.

Target classes

  • Shortline railroads (less than 350 miles of track)
  • Scenic/excursion/tourist rail passenger service
  • Railcar lessors and lessees
  • Railroad contractors
  • Railroad service providers
  • Railroad product manufacturers
  • Railroad track owners (other than the railroad companies

Generally excluded from appetite

  • Class 1 railroads
  • Railroads with more than 350 miles of track
  • Commercial passenger/transit/commuter railroads

Policy highlights

  • Tailored policy forms to meet the needs of rail industry customers including:
    • Railroad Liability
    • Tourist Railroad Liability
    • Contingent Liability
    • Railroad Protective Liability


  • Railroad including Excess Liability – $25 million
  • Commercial General Liability – $5 million

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team