Railroad Protective Policy and Additional Insured Status

If a contractor names a railroad as an additional insured under its CGL form, is there a need to also purchase a railroad protective policy, assuming that the railroad is not specifically requiring such a purchase? As an additional insured, wouldn't the railroad have defense and indemnity under the contractor's policy regarding a claim arising out of the negligence of the contractor? Would the exception regarding insured contract involving work within 50 feet of railroad property override the additional insured status?

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