What is covered by a Railroad Protective Liability Insurance policy?
Two coverages are included in the policy: A) bodily injury and property damage, and B) physical damage to JPB property. Both coverage’s apply only within 50 feet of the tracks at the Applicant’s work site on the JPB’s right of way. Bodily injury liability covers the JPB for claims for physical injury to any person, including an employee of the permit applicant. Property damage liability coverage applies to any property damaged or destroyed as a result of the work. Physical damage to JPB property coverage applies to property owned or leased by the JPB which is damaged during the work. The JPB has developed two Railroad Protective Liability Insurance Programs: the Wire and Pipeline Policy and the Blanket Policy for major projects. Projects that are considered low hazard and that have a cost of work within 50 feet of the tracks of $250,000 or less, qualify for the Wire and Pipeline Policy. Any project with a cost of work within 50 feet of the tracks of greater than $250,000 or any project
