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Railroad Insurance

Train passing beneath a bridge - Guild Insurance Brokers and HMS Insurance

We've been specializing in railroads for over 25 years, and our experience shows. Our in-depth knowledge of the rail industry and the unique insurance issues it encounters allows us to be your trusted insurance advisor.

Our brokers, underwriters, and claims specialists are experts in designing insurance packages to fit the unique and complex needs of the rail industry. With our strategic partners, we work to minimize your exposure through risk assessments and loss analysis.

We specialize in providing coverage for:

  • Short Line Railroads
  • Railroad Contractors
  • Railroad Suppliers
  • Manufacturers, Wholesalers and Retailers of Rail Products
  • Railroad Museums
  • Excursion/Tourist lines

We're able to write a variety of coverages including:

  • Comprehensive General Liability – Railroad (25,000,000 limits and higher available)
  • Lessors Risk
  • Contractors Protective
  • Maintenance of Way Equipment
  • High Rails
  • Track & Roadbed

As your broker we will work to develop a personal relationship with you. We will come on-site to inspect your risk personally because we know that we can't understand your business and the issues you face just by talking to you over the phone. You'll find that our premiums are always competitive and we’ll provide the peace of mind that comes from knowing that when a catastrophe strikes, you'll have the insurance coverage you need.


A testimonial from one of our clients:

gord peters railroad

"The Guild team has been a service provider to the Cando group of companies for over 25 years. As our business moved into the Shortline Railway Industry we were very pleased that Neil and his team spent the time and effort to understand the specialized insurance needs this industry brought with it.

As Insurance Brokers this team goes above and beyond the service requirements that we experience from many of our vendors and suppliers."

Gord Peters
President & CEO – Cando Contracting Ltd.