Coverage Options
Steam Railroad Insurance
Every policy a heritage steam railroad operator needs — in one place, from specialists who know the rails.
General Liability Insurance
General liability is the core policy for any heritage steam railroad. It protects against third-party claims of bodily injury and property damage — at the depot, on the platform, around the grounds, and across your public operations.
Railroad Liability (FELA) Insurance
Railroad liability addresses the Federal Employers' Liability Act (FELA) exposure unique to rail operations — the fault-based federal system that governs injuries to railroad workers instead of, or alongside, state workers compensation.
Passenger Liability Insurance
Passenger liability covers bodily injury claims by the fare-paying passengers riding your train — boarding and alighting, in the coaches, on open-air cars, and during the excursion itself.
Rolling Stock & Equipment Insurance
Rolling stock & equipment insurance covers physical damage to your locomotives, passenger coaches, freight cars, and maintenance-of-way equipment — the high-value, often irreplaceable assets that general and liability policies don't cover.
Boiler & Machinery Insurance
Boiler & machinery (equipment breakdown) insurance covers sudden and accidental failure of your steam boiler and the mechanical and electrical equipment your operation depends on — including resulting damage and lost income.
Commercial Property Insurance
Commercial property insurance covers the fixed assets of your railroad — the depot, roundhouse, restoration shop, museum buildings, station, track infrastructure, and contents — against fire, storm, theft, and other covered perils.
Workers Compensation Insurance
Workers compensation covers medical expenses and lost wages when your shop crews, station staff, and other covered employees are injured on the job — coordinated with FELA railroad liability for employees the federal act covers.
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