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We offer insurance coverage not available from other insurers. Limited pollution coverage while not at the site of a collision, for example. We go beyond the call with our 24 hour toll-free emergency hotline. We can have someone on the scene of an accident quickly when you need us. No one conducts more complete safety checks or thorough recommendations on loss prevention than we do. Our people actually ride the railroad. And walk the tracks. Railroads are not something we dabble in. They're our business.