Doc, here is a couple of options i found on Chaski bbs the Home Machinist
USAA is the only home owner/personal insurance company I found that routinely covers hobby miniature train operations - on your own property. We have USAA, and I added an extra million in liability coverage a few years back to increase our 12” ga doverage, for a nominal fee. Well worth the extra coverage.
The HUB International insures live steam equipment and maybe you can get your insurer to put a rider on that they arent responsible for the 15 inch RR if you insure with someone else on live steam,
Another place for outdoor railroad is the NMRA. They offer insurance for there members for live steam. You can see who they use
Mailing Address:
HUB International
600 Corporate Pointe, Suite 600
Culver City, CA 90230
HMBD Insurance Services Group
Culver City, California
Office: 800.272.4594
Direct: 562.719.0820
Cell: 562.972.4930
PLEASE NOTE MY NEW EMAIL ADDRESS:
vivian.sundin@hubinternational.com
HMBD Insurance Services, a HUB International Company
Later;
tom_srclry_com
A student of the Southend RGS!