A train driving through the forest next to a river with mountains in the background


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.

A protective partnership

Solutions for complex risks

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

Our difference

  • Ability to work with a single local underwriter on your complex middle market risks
  • Underwriters with strong technical expertise and access to meaningful capacity
  • Industry specific extensions that can be tailored to clients’ needs

Have a question?

Contact your local Liberty underwriter for more information.

Liberty Mutual Canada™ is the registered business name under which the Canadian branch of the Liberty Mutual Insurance Company operates in Canada. This literature is a summary only and does not include all terms, conditions, or exclusions of the coverage described. Please refer to the actual policy language for complete details of coverage and exclusions.