Source: Bureau of Transportation Statistics
Protect the property
When the uncoupled car flies away from the rest of the train, it shoots haphazardly through a tunnel and a town, narrowly missing structures on either side, but doing untold damage to the machine itself.
A property policy would cover physical damage to the rail operator’s own property including the locomotive, the train car, and rail infrastructure (tracks, roadbeds, bridges and tunnels). And if The Polar Express had to suspend its North Pole service in order to repair the property, the policy would also cover the loss of income.
Reduce passenger risk
In the film, the passengers are children who seem to have left their homes in the middle of the night without notifying their parents. And in a few wild moments, those kids take control of the train.
Under no circumstances should unqualified passengers be allowed to perform the essential duties of an engineer or conductor.
These very serious risks could cause significant losses in the North Pole and expose Santa’s train operator to years of litigation, especially from plaintiffs who don’t believe in Christmas magic.
Learn more about Argo Insurance.