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.