Our expert team are here to solve all your insurance needs. Working in a niche industry such as the rail sector dictates the importance of working with a specialist insurance broker who is knowledgeable in the risks your business is exposed to.

Whether you work directly on the railways or near them, for example, cleaning the vegetation by the side of the tracks, you need specialist insurance to protect your business.

Whilst it can seem like a sensible commercial decision to purchase a standard insurance policy, most of these will in fact exclude rail activities due to the distinctive nature of your operations.



We offer a unique and intelligent solution to the placement of rail risks

Our well-established relationships in the insurance market, including Lloyd’s of London, allow us to secure comprehensive cover on competitive terms

We can conduct a confidential review of your existing insurance programme to identify cover enhancements

Our specialist solutions are tailored to each business that we work with

OnTrack has been specifically designed for companies who work on, or near the railways. This is an exclusive offering that can only be arranged through Specialist Risk and brings a range of benefits to protect your business in the unfortunate event of a claim.

Key policy benefits include:

  • Red zone work covered automatically
  • ‘Re-Wage’; Following a RIDDOR reportable injury at work our facility will provide for the employee’s salary to be paid
  • Financial loss extension
  • Corporate manslaughter defence costs
  • Low claims rebates & long-term agreements with rate stability clauses
  • Low policy excess


We work with all types of businesses who work on, or near the railways. Some of our clients include:

  • Rail installation contractors
  • Renewals and civils contractors
  • Green & Red zone Electrical contractors
  • Vegetation clearance contractors
  • Rail labour supply agents
  • Rail design, testing and commission consulting engineers
  • Rolling stock maintenance
  • Rail product manufacturers and supply chain companies


Due to the diverse nature of businesses in the rail industry, our approach is carefully tailored to each organisation that we work with. Typical covers we look at for businesses in this sector include:


Contract Works covers builders and tradesmen for any work in progress on a building site that is damaged…
Contractors All Risks protects employers and contractors for loss or damage to a building site that you or your team…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
Cyber Insurance offers comprehensive cover and if required, helps deal with reputation management…
Directors’ and Officers’ provides financial protection for the potential defence and damage costs for the leaders…
Employers’ Liability, Public Liability and Product Liability are key to protect your business against the diverse…
Machinery and Plant is a vital cover to protect necessary plant and equipment used by industries such as…
Marine Cargo cover protects businesses that are responsible for transporting goods both domestically and…
Motor Fleet protects the fleet of vehicles that your business operates under one insurance policy…
Personal Accident and Travel cover protects a business’s directors, partners and/or employees if they suffer…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…


Talk to our team

020 7977 4800

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Where is Specialist Risk Insurance Solutions located?

Our head office is in the City of London, the address is:

One America Square, 17 Crosswall, London, EC3N 2LB. We also have offices in Croydon and Ampthill, Bedfordshire however we are currently working remotely due to COVID-19.

Does my trade fall within Specialist Risk’s appetite?

We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.

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