Track Agreement Insurance Requirements

Insurance requirements vary per type of track agreement and commodity shipped.  Failure to provide evidence of requested insurance will result in project delays.

Limits and/or endorsements typically requested by Union Pacific include:
Commercial General Liability Form: CG 00 01 12 04	$2,000,000 each occurrence $4,000,000 aggregate CG 20 26 - Additional Insured CG 24 17 10 01 - Contractual Liability - Railroads Removal of punitive damage exclusion (unless prohibited by state law)
Business Automobile Coverage Form: CA 01 10 01	$1,000,000 each accident CA 20 48 - Additional Insured CA 20 70 10 01 - Certain Operations in Connection with Railroads MCS-90 Motor Carriers Act Endorsement (if required by law)
Workers Compensation Insurance	Statutory Limits Employers Liability: $500,000 each accident $500,000 disease – policy limit $500,000 disease – each employee Waiver of subrogation
Umbrella or excess liability policies can be utilized to meet limit requirements.  An Industry may self-insure provided approval is obtained from the Railroad’s Insurance Group.

Note: Please do not secure insurance to the limits/endorsements noted above as these represent typical situations. Requirements specific to your situation will be provided in your Track Agreement.