Insurance Requirments

Under state law the right of way of BC&S and its subsidiary companies property is private property.  Persons found on BC&S' right of way without express written permission can be arrested and prosecuted.


Contractors completing new installations or working on or around any BC&S property are required to obtain Railroad Protective Liability Insurance in the amounts of $2,000,000 per occurrence and $6,000,000 aggregate and it is required to name the railroad as the named insured.

In addition to providing Railroad Protective Liability insurance and Contractor is required to provide current proof of Commercial General Liability insurance naming the specific Railroad as additional insured.  This coverage must meet minimum requirements of $2M per occurrence and $6M aggregate.

The General Liability certificate is also required to show proof of CG2417 or its equivalent as well as a waiver of subrogation in favor of the Railroad.

Applicants for Private Use Drive - Personal use only

For use of private (non-commercial use) grade crossings, individuals are required to maintain both personal and automobile liability coverage with minimum limits of $2,000,000 per occurrence and $6,000,000 aggregate as well as name the Railroad as additional insured. Evidence of this coverage is required and a current certificate is to be provided annually to the BC&S Real Estate Department for its records.

With compliance of the required insurance per the terms of the agreement between the applicant and railroad, the property owner can maintain full use of the grade crossing over the railroad tracks. However, should there be any violation of the terms of the agreement between user and railroad (i.e. failure to maintain and provide evidence of valid liability coverage), the railroad has due cause to close or remove this access through the railroad right of way. An application can be completed by clicking on the link below. If you have any questions or require additional information please email the Director of Administration for the railroad.


ROE Application