RRP covers the contractor for his work for the railroad – right?
Sorry, no. In fact, the RRP policy does not protect the contractor at all – it protects only the railroad, since only the railroad is the “named insured” on the policy. It also states that the railroad is protected for acts or omissions arising out of the “work” at the “job location”. The “work” (including the contractor performing the work), and “job location” are specifically designated on the policy. What if the contractor gets sued? The RRP is not a replacement for liability insurance for contractors. Every independent railroad contractor should have a Commercial General Liability (CGL) insurance policy with endorsements that delete any restrictions for indemnity or work performed within 50 feet of the railroad or railroad property. It is not unusual for both the contractor and the railroad to be named in a suit from an injured third party, if the injury or damage arises from the contractor’s work at the job location. The same suit might allege that the contractor was negligent in
