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 As an independent provider of railroad insurance, we are uniquely able to offer what you need, whether you are crossing the track or using their track.
A variety of programs to meet the needs for all types of railroads
Rail transit systems, railroad contractors, railcar shops and manufactures of railroad products
Experts in dealing with Class I, II or III Railroad Insurance requirements
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As focused industry experts, we conduct safety checks
and make broad-based recommendations in order to proactively prevent loss.
- Large Freight Railroad Companies (Class I)
- Mid-sized freight-hauling Railroad
Companies (Class II)
- Short line railroads (Class III)
- Nation’s metropolitan transit authorities
- Terminal and switching railroads
- Tourist, excursion, and scenic railroads
- Railcar storage operations
- Track owners
- Railroad museums
- Railroad equipment and locomotive
lessors and lessees
- Hobbyist rail car collectors
- Railroad contractors, service providers,
and vendors
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- All-Risk Property
- Workers’ Compensation
- Accidental Pollution Liability
- Evacuation and Clean Up Coverage
- Bill of Lading Liability
- Foreign Rolling Stock Coverage
- Cargo Legal Coverage
- Commercial General Liability
- Railroad Protective Liability
- Contingent Railroad Equipment Liability;
For more information, please please email
Brandon Peabody at BPeabody@AlperServices.com
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Pharmaceutical Manufacturer
Challenge
Our Client was concerned about paying premium overcharges. During the initial investigation, our AuditRate team uncovered
a commonly used
class code which
appeared to be misclassified. Correcting the misclassification would involve presenting a solid case to the Wisconsin
Compensation Rating Bureau, who was reluctant to make
the change.
Action
We formally requested an on site survey be
performed at each of the Client locations.
The
rating bureau declined the survey and
we were forced to take them to a Hearing which was open to the public. The Hearing consisted of a panel
of 20 members, comprised mostly of insurance
executives from large Wisconsin-based insurance companies. Our industry-specific expertise was
a major contributor to our perceived credibility.
Results
After lengthy deliberation, the rating bureau
corrected the misclassification. Our Client was able to significantly reduce their insurance
premium. This change was applied to every
Wisconsin Railroad Manufacturers who used
this class code. |
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