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TracksSM Railroad liability insurance provides coverage for damages resulting from covered perils, and is designed to protect railroad operations and railroad contractors.


  • Railroad liability claims made and occurrence forms including Federal Employers' Liability Act (FELA), foreign rolling stock, and bill of lading coverage
  • General liability with tailored coverages for railroad contractors
  • Railroad protective liability (ISO) filed forms may be available
  • Excursion railroad liability occurrence coverage, with tailored coverages for   unique exposures


RAA-1000 (03-13) Railroad Protective Liability
RRA-3000 (03-13) Primary Commercial Liability
RRA-4000 (03-13) Primary Railroad Liability
RAA-2000 (03-13) Museum and Other Organizations
RAA-3000B (03-13) Railroad Contractors Supplemental
RAA-5000 (03-13) Excursion Railroad Liability

We use both ISO and proprietary forms.

Westchester will accept ACORD, ISO, and Westchester applications as a risk submission.  Depending upon the complexity of the risk or specific coverage issues, additional information may be required.

TracksSM is offered through contracted wholesale brokers and approved retail brokers.


  • Railroad contractors & excursion operations minimum deductible of $5,000


  • Up to $25 million
  • Railroad liability minimum SIR of $25,000


  • Railroad contractors
  • Railcar lessors & lessees
  • Suppliers
  • Short line railroads
  • Regional railroads
  • Rail service companies
  • Tourist & excursion rail operations
  • Rail car/locomotive & parts manufacturers
  • Track owners


Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Westchester is a division of Chubb, a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at: