Owners & Contractors Protective Liabilty / Railroad Protective Liability

Owners & Contractors Protective Liability provides vicarious liability to the named insured, which usually arises out of work performed for it by independent contractors when the liability is required directly on the named insured. In addition, OCPs offers separate limits not affected by the contractor's CGL coverage form and applies on a primary basis.

Railroad Protective Liability policy is not comprehensive coverage, similar to an OCP. It does not cover all the operations and exposures of an insured, only the vicarious liability between the insured and the contractor. It is limited to a very specific, designated-job location and in connection with work conducted on or near railroad tracks or railroad property.

DIB can quote standalone OCPs or RRPs for projects less than $10 million in about an hour. Typically, our cost is 50 percent less than your current carrier's price.



About DIB

Our goal is to protect you, your company and future owners. As you know, it’s about coverage first then obtaining the most competitive costs in the marketplace. As your broker, we will negotiate the best coverage with competitive pricing by negotiating directly with the carriers or with our wholesale partners.

we believe that if our clients are successful and we help add value to your bottom line then we have accomplished my goal.  Read More...