Master ProgramRailroad Protective Liability

Stephen A. BenignoInsurance and Risk Control

Program ManagerSEPTA

David C. Pitcher, ARM-PClaims and Insurance Manager

UTA

What is Railroad Protective Liability Insurance (RRPLI)?

• Who is covered?

• What is covered?

• When is RRPLI needed?

• Why do Railroads require this coverage?

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?

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.

Program Underwriting

• Construction Projects; poles, new station,

bridge work, tunneling.• Maintenance Programs

• Market vs. Flat Renewal

• Limits

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

• 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

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

Questions?