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Railroad Excess and Surplus Liability Insurance - North America

AXA XL Insurance 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

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details. AXA XL is a division of AXA Group providing products and services through four business groups: AXA XL Insurance, AXA XL Reinsurance, AXA XL Art & Lifestyle and AXA XL Risk Consulting. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

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