Don Scott Insurance -- Specialty Insurance

Currently our specialty insurance areas include a Non-Profit & Social Services Organizations and a Railroad Insurance and Risk Management Program. We offer comprehensive and competitive insurance products in both areas.

We can protect your Non-Profit and Social Service Organization with a comprehensive and flexible insurance program.  Basic coverage includes property, general liability, automobile and professional liability.  Broader coverage offered includes abuse and molestation, loss of income, key employee replacement expense, bonds, employee dishonesty, umbrella, directors and officers liability, and employee benefits.  We can craft coverage to fit the needs and challenges of your organization.  A few of the types of organizations are:  Child Development Programs, Counseling Centers, Developmental Disabilities Programs, Drug and Alcohol Programs, Hospice Organizations, Mental Health Agencies, Senior Services, Special Needs Day Schools, Vocational Rehabilitation and Training.  First class Safety Management Services and Claim Services are provided by “A+” (Superior) A.M. Best rated insurance companies.

Railroad Insurance and Risk Management

Don Scott Insurance has developedsignificant knowledge and experience in the highly specialized area of insurance and risk management for railroads. 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 offered by Don Scott Insurance.

Take a moment to review the variety of coverages we offer the railroad industry.

Railroad Liability Insurance - claims made and occurrence forms

• Excess Liability
• Track Owner's General Liability
• Railroad Protective Liability
• Rail Car Contingent Liability and Property
• Railroad Contractors' General Liability
• Workers' Compensation and Umbrella
• Railroad Automobile Liability
• Railroad Property
• Transit/Commuter Rail Liability - claims made and occurrence
• Railroad Package Policy
• Railroad Force Account
• Contingent Business Income Insurance

Employee Benefits

• Medical
• Dental
• Disability
• Life
• Occupational Accident

Types of Railroad Businesses

• Freight Transit Railroads
• Commuter and Excursion Railroads
• Scenic Railroads
• NOC railroads (private car owners, special events, leasing)
• Terminal and Switching Contractors
• Railroad Contractors
• Rail Car Locomotive and Component Parts Manufacturers
• Rail Car Locomotive Repair Shops
• Rail Car Leasing