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RAILROAD DIVISION

 "It's Our Main Line"

Leading Provider of Insurance to over 250 Railroad related clients, including Museums, Tourist/Excursion Railroads, Shortline Railroads & Historical Railroads. We are also a Leading Provider of Railroad Contractors Insurance of all types.

The Railroad Division at HMBD Insurance has been providing Insurance services to the Railroad Industry for over Twenty-Three years.  Our years of experience in this specialized area of insurance, allows us to provide clients and friends with a competent and knowledgeable team of insurance professionals to handle their insurance needs. 

Whether it is a highly trained Insurance Agent/Broker you are in need of, or a firm with a competent professional staff, both of these are the bed rock that the Railroad Division at HMBD Insurance is built upon.

Coupled with that expertise is our access to one of the most comprehensive and competitive railroad insurance products offered on the market today. Railroad insurance and risk management is a complicated business that requires the specialized expertise and products you will find at HMBD Insurance.

Following is a list of the type of clients we currently handle:

 Railroad & Trolley Museums
 Excursion / Scienic / Tourist Railroads
 Short-line Railroads
 Railroad Contractors
 Private Rail Car Owners
 NRHS Chapters
 Large Scale Trains - New Program

The products we offer include and are not limited to:

• Railroad Liability Insurance - Including Class I, II and III
• Comprehensive General Liability
• Property Insurance including Rolling Stock
• Commercial Automobile
• Volunteer Accident Medical Insurance
• Directors & Officers Liability
• Excess & Umbrella Liability
• Railroad Protective

We are licensed in 45 States of the Untied States and also have affiliates to write in Ontario and British Columbia, Canada.

We are members of the following industry associations:

• ASLRRA - American Shortline Railroad Association, Inc.
• TRAIN  - Tourist Railway Association, Inc.
• ARM  - Association of Railway Museums, Inc.
• RPCA - Railroad Passenger Car Alliance
• NRHS  - National Railway Historic Society
• NRC - National Railroad Contractors

The following agents are trained in this specialized area of coverage:

• Dan Roddy - danrod@hmbd.com