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Master ProgramRailroad Protective Liability
Stephen A. BenignoInsurance and Risk Control
Program ManagerSEPTA
David C. Pitcher, ARM-PClaims and Insurance Manager
UTA
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What is Railroad Protective Liability Insurance (RRPLI)?
• Who is covered?
• What is covered?
• When is RRPLI needed?
• Why do Railroads require this coverage?
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What is Railroad Protective Liability Insurance (RRPLI)?
• What are standard limits available for RRPLI?
• Where can RRPLI be obtained?
• What information is generally needed to get an RRPLI quote?
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History and Program Design
In 1982, SEPTA assumed operating responsibility for our Regional Railroad Passenger Operations.
SEPTA’s RRPLI is designed around SEPTA, Amtrak, and CSX Operating agreements.
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Program Underwriting
• Construction Projects; poles, new station,
bridge work, tunneling.• Maintenance Programs
• Market vs. Flat Renewal
• Limits
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Program Administration
• Complete RRPLI spreadsheets • Quote Sheets • Broker Recommendation • Author Executive Staff Summary • Board Resolution • Board Presentation • Board Vote• Bind Insurance • Pay Invoice • Claims Management
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• Risk History– UTA and Rail– Interaction with other railroads– Construction/Post construction Risks
• Program Design– Model: Union Pacific
• Program Setup– Discussions with Broker– Reviewed and approved proposed program
• Procurement
UTA Blanket RRPLI Program
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UTA Blanket RRPLI Program
• Administration– Criteria (ROE vs Permit)– Application– Enrollment
• Reporting– Quarterly report
• Claims– Reported to the carrier– UTA conducts independent investigation
• Federal/State requirement• Internal
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Questions?