Rail is a unique market with various industries within the segment. If your operations are in or around rail, then yes, you’re in our wheelhouse. With unique industries come special insurance companies, policies and coverages that need to complement the remainder of your rail insurance program. Rely on professionals who are familiar with the industry. 

We pride and dedicate ourselves to being educated in rail insurance, the rail industry, related industries and the challenges that come with it.  



Industries Within Rail

Include but are not limited to…

  • Class II & III Short Line Railroads
  • Switching/Spotting 
  • Private Railcar Owners
  • Rail Line Owners – Municipalities, Museums, Ports, etc...


  • Equipment/Railcar Leasing, Repair and Cleaning
  • Manufacturing & Distribution
  • Transloading/Intermodal/ Warehousing
  • Rail Construction
  • Rail Logistics
  • Rail Consulting


Knowledgeable in Unique Policy Coverages Within Rail

Railroad Liability

  • Foreign Rolling Stock
  • Bill of Lading
  • Rail Passengers
  • Use of Hi-Rail
  • FELA Protection (Federal Employers Liability Act)
  • Track and Roadbed of others

Contractors General Liability

  • Construction work being performed on or within 50’ of railroad right of way
  • FELA Protection
  • Excess Auto

Inland Marine/Rolling Stock/Property

  • Owned or leased track and roadbed
  • Coverage for natural disasters
  • Re-rail Coverage
  • Flood
  • Vandalism

Railroad Protective Liability

Project specific. 


Protect Your Rails with McRail CBIZ Borden Perlman


Whether you operate a short line railroad, a railroad museum operating trains, or you’re a service resource associated with the railroad industry, you need adequate coverage. Our team actively works with you, strategizing, educating and advocating on your behalf so you can have an insurance plan that will keep your business on track.

Historically, insurance was commonly viewed as a service paid, and hopefully not used, from a reactive standpoint. That is not the way it should be. We invest back into our clients and have developed offerings that include our commercial and rail insurance risk management knowledge and solutions.  

Protect your organization, employees, clients and your peace of mind with coverage that leaves nothing to chance.


McRail Website Graphics Consultation


McRail, a division of CBIZ Insurance Services, Inc., is one of the largest brokerages of railroad in the United States. As part of CBIZ Insurance Services, McRail & CBIZ Borden Perlman provide a holistic approach to managing your organization’s risk. As one of the country’s largest publicly-owned property and casualty insurance brokers, our clients receive the resources of a national broker and the personal attention of a local office.

The McRail team knows insurance, specifically the risks and exposures related to railroad insurance. With hands-on, personal customer service, we guarantee swift communication and a team who is ready to respond to your needs. As specialists in the industry, we leverage our knowledge to provide proactive and reactive railroad insurance and risk management services.