1. Master Program Railroad Protective Liability Stephen A. Benigno Insurance and Risk Control Program Manager SEPTA David C. Pitcher, ARM-P Claims and Insurance Manager UTA

2. What is Railroad Protective Liability Insurance (RRPLI)? Who is covered? What is covered? When is RRPLI needed? Why do Railroads require this coverage?

3. What is Railroad Protective Liability Insurance (RRPLI)? What are standard limits available for RRPLI? Where can RRPLI be obtained? What information is generally needed to get an RRPLI quote?

4. History and Program Design In 1982, SEPTA assumed operating responsibility for our Regional Railroad Passenger Operations. SEPTA’s RRPLI is designed around SEPTA, Amtrak, and CSX Operating agreements.

5. Program Underwriting Construction Projects; poles, new station, bridge work, tunneling. Maintenance Programs Market vs. Flat Renewal Limits

6. Program Administration Complete RRPLI spreadsheets Quote Sheets Broker Recommendation Author Executive Staff Summary Board Resolution Board Presentation Board Vote Bind Insurance Pay Invoice Claims Management

7. Risk History – UTA and Rail – Interaction with other railroads – Construction/Post construction Risks Program Design – Model: Union Pacific Program Setup – Discussions with Broker – Reviewed and approved proposed program Procurement UTA Blanket RRPLI Program

8. Administration – Criteria (ROE vs Permit) – Application – Enrollment Reporting – Quarterly report Claims – Reported to the carrier – UTA conducts independent investigation Federal/State requirement Internal

9. Questions?