Railroad Protective Insurance Portal for Brokers

• Once you receive your credentials, you can access our online platform.
• Answer a series of questions to determine if the risk fits the parameters.
• Using the information for your particular risk, you will be able to issue a quote, bind the account and issue the policy, all on the platform within 10 to 15 minutes.

• The total job cost must not be more than $5,000,000.
• The cost of work within 50’ of railroad tracks, property and/or right-of-way must not be more than $2,000,000.
• The term of job must not be more than two years.
• No renewable type of accounts (annual/ongoing jobs).
• No Blanket type policies may be included (those with numerous jobs/contractors/railroads under one policy).
• The limit structure is 2/6 or 5/10.
• Nothing that involves blasting or the use of any type of explosives (including fireworks) within 50’ of railroad tracks.
• No underground construction such as subways, tunnels or mines.
• No work being performed by the railroad other than flagmen/supervisors and/or protective type personnel.
• The Contractor must have at least equal GL/Umb occurrence limits to the occurrence limit being required on the railroad protective policy.

Other things to note

• The Named Insured must be a Railroad or an owner of track (no exceptions).
• Additional Named Insureds are often required by the railroad.  Additional Named Insureds must also be railroad entities.
  Note:  Normally the Named Insured is the railroad that owns the track and the additional named insured(s) is a railroad(s) that uses the track.  The required names are usually found in the railroad protective section of the insurance specifications.
• All Contractors are required to have GL/Umb occurrence limits that are at least equal to the RRP occurrence limit being requested and those limits must remain in force for the entire duration of the RRP policy.
• No backdating of coverage.  Coverage cannot be effective prior to the date the request to bind is being made.
•  Coverage cannot be bound more than two months prior to the effective date of the policy.
• The Carrier is non-admitted and the broker will have to file surplus lines taxes in the state where the work is being done.
• Premium is due within 45 days of effective date of policy.
• No flat cancellations. Premium is fully earned at inception.
• The total job cost must be the total cost of work being done by the contractor listed on the application and any of their subcontractors.  If your contractor is a subcontractor then the total job cost must be the total cost of work being done by just the subcontractor and any of their subcontractors.
• The cost within 50’ must be the cost within 50’ of railroad tracks, property and/or right-of-way (not just the cost within 50’ of the tracks).
• The job description must be the full job description of the work being done by the contractor listed on the application and any of their subcontractors.  If your contractor is a subcontractor then the job description must be for just the work being done by the subcontractor and any of their subcontractors.

You will be automatically referred to an underwriter if:

• Total job cost is over $5,000,000.
• Cost of work within 50’ of railroad tracks, property and/or right-of-way is over $2,000,000.
• Term of job is over 2 years.
• The risk is a renewable type policy (annual/ongoing jobs).
• The risk is a blanket type policy (those with numerous jobs/contractors/railroads under one policy).
• The limits are other than 2/6 or 5/10.
• The risk involves blasting or use of any type of explosives (including fireworks) within 50’ of railroad tracks.
• The risk involves any underground construction such as subways, tunnels or mines.
• The risk involves any work being performed by the railroad other than flagmen/supervisors and/or protective type personnel.
• The contractor does not have at least equal GL/Umb occurrence limits to the occurrence limit being required on the railroad protective policy.

Once you complete the Register for Access form, your information will be routed to our team. You should receive an email within three days to set up your Akamai account to sign in to the portal.

Once you complete the Register for Access form, your information will be sent to Aspen to authenticate your log in. You will then receive an email from Akamai to create your account. After creating your account, you can sign into your account here.

No.  No exceptions.

Not more than 2 months prior to the effective date.

No, it’s non-admitted and the broker will be required to file the surplus lines tax filings.  Information must be provided with regard to the surplus lines prior to binding.

Yes

Yes.  Once you have quoted an account you will be able to access that account and create optional quotes by changing the necessary information and issuing another quote.  Please note that only the most recent information will be saved.  If a previous option needs to be bound you will have to change the information back to that previous information.

Immediately, after completing all required information.
i. Quote:  As soon as you have entered all required information and hit the button to issue quote, the quote will immediately be available to view and save.
ii. Bind:  Once a quote has been issued and you have entered any further information required to bind and hit the button to bind, the binder and invoice will immediately be available to view and save.
iii. Policy:  Once the binder has been issued, and you have entered any further information required to issue the policy and hit the button to issue policy, the policy will immediately be available to view and save.

Payment is due within 45 days of the effective date of the policy.  The invoice will be attached to the binder and will advise where and how to send payment.

No.  There are no renewals on these job specific railroad protective accounts.

Job specific railroad protective policies should be for the anticipated term of the job, up to a 2-year term.  Anything over a 2-year term must be sent to Debbie Lawrence for review.

The system will automatically add 3 months to each policy term to allow a little extra time in case of delays, as long as the full term is no more than 2 years.

Yes, but not through this system.  You will have to contact Debbie Lawrence directly. prior to the expiration date of the policy, to request an extension.  Debbie will review to determine if an extension is possible for that specific account and, if so, will ask for additional information to review further.