With Gemini Insurance Company’s* financial strength rating of A+: XV from A.M. Best Company, you can feel secure that we will fulfill the promises as provided by our insurance policies. Since its founding in 1967, W. R. Berkley Corporation has provided a stable and consistent market for the customers it insures. We offer a broad range of insurance contracts and can provide tailored coverage as a stand-alone lead or higher excess market, or as a quota-share participant with other insurers on your tower.

We have specialized in the railroad liability space for more than a decade; we can offer the coverage you need. Our talented professionals have over 10 years of actual underwriting experience from Class I rails to heavy-rail commuter systems. This expertise allows us to maintain a broad and deep risk appetite. We strive to understand the individual needs of your business and customize our insurance policy coverage to meet your expectations.

Ask your broker which policy is right for you.


  • Class I Freight Railroads
  • Class II Freight Railroads
  • Passenger Railroads
  • Transit Systems
  • Select Other

Through our network of specially-qualified Surplus Lines brokers,
let us provide you with the protection you deserve.