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Railroad Protective Liability

Railroad Protective Liability (RPL) is a contractually required coverage for 3rd  parties performing work on, for, or near railroad property. The coverage is specific to the project scope and location of the work for which it is required. At Balance Partners we seamlessly bridge the gap between the needs of the Contractors and Railroads


  • A+ XV Carrier

  • Admitted Paper

  • Pre-Bid

    • Bind-able indications with required underwriting data​

    • Developer/contractor specific rating matrices

    • Design phase/construction phase cost savings

  • Post Bid

    • 24 hour formal quote turnaround​

    • Same day binder turnaround

    • 48 hour policy turnaround

    • Same day change endorsements

    • 2 week project end notification

  • 24/7 railroad claims services

  • Dedicated team with industry knowledge in construction and railroad industries


  • ISO 00 35 04 13 Coverage Form - approved form of the Railroad Insurance Management Association

  • Occurrence based form

  • Defense outside limits

  • Low premiums:

    • $2MM/$6MM - $2,000​

    • $5MM/$10MM - $3,000

  • No AP for extension endorsements (no change in CV and within calendar year)


Anthony Richardson is the product leader of our Railroad Protective Liability Program, RailPro+ . Anthony is one of Balance Partners first employees and along with growing the Railpro product he has played a key role in broker and brand development. With over a decade of Rail and construction experience he provides industry leading service and technical expertise to our trading partners in the Rail and Construction sectors. Prior to joining Balance, Anthony was a Vice President at Chubb and was responsible for running their New York Rail office.

Anthony earned an BA from Hofstra University, and began his insurance journey shortly thereafter with Arch Insurance Co. where he went through their underwriter training program.

Anthony Richardson

Product Lead

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