Rail insurance

Why do you need specific rail insurance cover?

We recognise that rail companies face a number of sizeable risks in their day-to-day operations. In response we can provide insurance solutions for all types of rail organisations, including; passenger service and freight operators, rolling stock leasing companies, locomotive owners, heritage railways, storage facilities, maintenance and engineering companies, rolling stock and product manufacturers and professional service companies.

• Bespoke solutions
  By creating rail specific solutions built to your exact needs, we can help protect your rail assets, revenue, legal liabilities and your reputation. We will help to identify potential exposures that could leave your business vulnerable or that could fail to meet contractual or regulatory requirements.
• Highly specialised insurance
  Our rail insurance specialists have extensive market knowledge, which means you can rely on our insight, advice and support. Reassuringly, one of our rail insurer partners look after three of the top five railway companies in the world.
• Rail claims support
  When it comes to claims - don’t worry, we have first-hand experience of resolving complex rail claims arising from incidents such as; fires, collisions, breakdowns, derailments, lost revenue, cancellation, and passenger, employee and volunteer injury. So we are here for you when you need it most.

How we can help

At Marsh Commercial, we don’t just sell insurance. We find better ways to manage your unique risks, protect your assets and people, and free up capital to support your growth. While part of a world-leading insurance group, we’re proud to be a UK community broker with a local branch network the length of the country. Combining the power of Marsh with the passion of our people; world-class expertise with a personal touch, all on your doorstep.

Key features

• Protecting rail vehicles - all risks for owned and hired-in rail vehicles anywhere in the UK extending to breakdown, re-railing and recovery and explosion and collapse
• Protecting assets and infrastructure – machinery, tools, stock and buildings
• Protecting revenue - loss of revenue following an insured event, such as a fire, theft or breakdown
• Protecting liabilities - employers liability, third party liability to £155m, professional indemnity, management liability, cyber liability
• Protection for schedule 8 performance regime penalty costs – should your rolling stock, where we arrange damage and breakdown cover, suffer an insured incident which causes a delay to other parties on the mainline, we can arrange cover for your financial penalty up to the incident cap under the performance regime.

What we do

We arrange insurance cover for the entire spectrum of rail organisations including:

• Innovative and Office of Rail and Road (ORR) compliant third party liability insurance for the UK’s best known mainline train and freight operating companies.
• Damage and breakdown insurance for the majority of mainline steam locomotives.
• Property and liability insurance for fleet maintenance, engineering and storage companies.
• Professional indemnity insurance for rail technology companies.
• Insurance for rolling stock product design and manufacture companies.
• Public liability insurance for rail industry events.
• Tour operators liability for rail tour organisers.
• Train and freight operating companies.

We are also proud to insure a number of the UK’s best known train operators, including the operation of excursion passenger trains, commuter services and freight.