Where do I send submissions?

All submissions can be sent to vos.railroad@Schinnerer.com.

What information do you require to provide a quotation?

At a minimum, we request a completed Railroad Protective Liability application and three years currently valued loss runs. A copy of our application can be found on the applications page of our website.

Are there any classes of business you don't write?

Ineligible exposures:

  • Work performed directly on railroad tracks.
  • Work performed directly on overhead transmission or distribution lines.
  • Environmental construction, abatement or removal work.
  • Exposures in the state of New York.

Can I get coverage without also having general liability coverage?

Yes. This program provides coverage for railroad protective liability without requiring general liability coverage.

Can I get general liability coverage if I need it?

Not through this program. You may be eligible for such coverage through the Contractor’s, Energy & Utilities or Forest Products Programs on the Schinnerer website.Â