Railroad (Excess Casualty) - North America
XL Catlin works to solve the risk management challenges of its railroad clients. Along with our portfolio of railroad products, we customize casualty programs for our rail customer groups.

Product details


  • Up to USD 75M total capacity available
  • Up to USD 25M, primary
  • Up to USD 75M, excess


  • Railroad Liability (including FELA, Foreign Rolling Stock and Bill of Lading coverages)
  • Excess Railroad Liability
  • Primary Rail Equipment Liability (lessees)
  • Contingent Rail Equipment Liability (lessors)
  • Track Owners General Liability
  • Force Account Liability
  • Railroad Protective Liability
  • Commercial General Liability (rail contractors)

Client Profiles

  • Freight railroads: Class I, II (regional) and III (short line) railroads; switching and terminal railroad operators
  • Transit, commuter and light rail systems
  • Excursion and charter railroads, tourist railways, scenic railroads and private railcar owners
  • Rail equipment lessees or lessors
  • Track owners
  • Rail contractors, service providers and suppliers

Benefits & Services

  • Risk control engineering
  • Dedicated claims expertise

Attachment Point

Tailored to clients needs

Limits On Product

Up to USD 25 million

Minimum Deductible

Various self-insured retentions and deductibles available

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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