What it does

CG 22 27 excludes "bodily injury" to any passenger while on, entering into or alighting from a passenger train.

Who needs it

Passenger railroads, tourist railways and excursion train operators that insure passenger liability separately.

Quoting and selling notes

• Passenger liability must be covered under a separate railroad or passenger policy.
• Railroad passenger liability is a specialized exposure; tourist railroads typically insure it through railroad programs with high limits.
• Ask about crossings, station premises and excursion events, which remain CGL exposures.
• Ask for passenger counts, track miles, crossing incidents and safety program details.

Related forms

CG 00 35, CG 22 46.