Aspen’s dedicated, global team of railroad professionals bring a fresh, flexible approach to underwriting and risk management based on strong and mutually beneficial relationships.

We know there are only a handful of domestic carriers willing to offer liability coverage for railroads and more carriers, but still limited, for railroad related risks. We take this as our responsibility to do our best to provide prompt, viable solutions to our producers and in turn, to our customers needs.

David Adamczyk Executive Vice President, US Railroad

A flexible approach to underwriting

With a focus on best-in-class service, transparency and a flexible approach to underwriting. Aspen Railroad is strategically positioned to build long-term, mutually beneficial relationships with their trading partners and their clients. 


Why Aspen?

Our Railroad underwriters have 100 years of industry experience between them. They have an in-depth understanding of North American railroad risks and write policies through our Baltimore and New Jersey offices.  

At Aspen, we understand the nuances of coverage associated with railroad products, and recognize that it is critical that we offer creative solutions and staying power. All of our products are inclusive of supporting the insured through the claims process, with our dedicated claims team. 

Product Details


  • Railroad Liability for Short lines, Regional and Commuter Railroads   
  • General Liability for the Railroad Support industry 
  • Contingent liability for lessors risk 
  • Excursion liability for tourist/Dinner train type operations 
  • Excess liability over all product lines Aspen railroad offers 
  • Railroad Protective Liability for all size jobs

Target Markets

  • Freight Railroads
  • Passenger Railroads
  • Railcar Lessors and Lessees
  • Railroad Contractors
  • Suppliers
  • Service Providers and Product Manufacturers
  • Track Owners and Customers looking for Railroad Protective Liability


My client has a general liability policy. Why do they need a stand-alone pollution policy?

General liability policies are imperative to any business operation, but it does not fill all of the liability gaps.  If not outright excluded, GL policies have limited environmental coverage that may not provide comprehensive pollution coverage and could leave the customer facing substantial clean-up costs and other liability exposures resulting from their operations. Environmental Impairment Liability policies are created to help close the gap created by the pollution exclusions within a GL policy and ultimately add another layer of protection to help protect the insured’s balance sheet.

I don’t have any environmental exposure. Should I still consider securing an environmental policy?

In some instances, environmental exposure is not as evident as what most people think a pollution exposure might look like (queue the large industrial/chemical manufacturing company with green goo seeping from several 55-gallon drums.)  Pollution incidents can arise from a variety of sources, some of which we may face each day.   For instance, with the right set of circumstances, mold growth may form in some of the most benign locations, causing the need for proper abatement.

Everyday chemicals such as cleaning products or general maintenance supplies, if improperly used or stored, may cause bodily injury to third parties.   Or unknown historical issues at your property may be discovered resulting in hundreds of thousands in unexpected cleanup costs.    The list goes on.  Truth be told, almost any business has environmental exposure, even if you are not handling the most toxic and dangerous of chemicals in your operation.

There are a lot of environmental carriers. Why should I work with Aspen?

Aspen Environmental is an established environmental market, not only with seasoned and experienced underwriters ready to help find mutually beneficial solutions for our insureds, but also with a robust and customer-focused dedicated claims team.

The pace of business requires that our underwriting and claims departments make quick and transparent decisions that better serves our customers.  That is why all of our branches have significant authority to respond to requests, without the need for home office referral, in most instances.

Aspen’s appetite and approach to the business is consistent, and we avoid making rash decisions that adversely impact our trading partners relationships with their clients.  With global capabilities, but with a local focus, Aspen is ready to serve our trading partners and establish long-term relationships with our insured.

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