General Liability & Product Liability

• Automatic protection for work within 50 feet of the track (many carriers have an exclusion)
• Automatic coverage for additional insureds and waiver of subrogation when required by written contract
• Per-project aggregate also available

Property

• Buildings and signs, business personal property, valuable papers, and accounts receivable
• Equipment breakdown and expediting expenses
• Property in transit, on business travel and at exhibitions
• Pollution cleanup and removal
• Consequential loss to stock

Commercial Automobile

• Hired and non-owned autos
• Hi-rail autos and mobile equipment
• Autos rented by your employees on your behalf
• And 17 other beneficial coverages at no additional cost

Inland Marine
Specialized property coverage is available to help protect:

• Owned tools and equipment, including those that you lease, rent or borrow
• Employees’ tools
• Customers’ property while in your care, custody or control
• Raw materials awaiting installation at a job site

Railroad Protective Liability
Written on a separate policy, this protection provides separate limits of coverage for work conducted on or near railroad tracks or railroad property. Coverage is available when The Hartford is writing the primary general liability.

Umbrella
Designed to begin where our primary coverage ends, this extra layer of liability protection can give you added peace of mind. (Coverage will be considered when The Hartford is writing the primary general liability.)

Typical classes

• Track construction, maintenance & repair
• Tie removal and disposal
• Spur line upgrades
• Freight forwarding loading/unloading
• Railcar cleaning, maintenance & repair
• Railcar and part manufacturing
• Distributors of railroad related parts, supplies & equipment

Contact
Matt Hetrick
MHetrick@ArrowheadGrp.com
800.669.1889 x8459

Submission requirements

• Fully completed ACORD applications
• Fully completed supplemental questionnaire
• Currently valued loss runs for past 4-5 years