Summary: Of morbid interest in recent news is the February 3rd train derailment in East Palestine, Ohio; it caused local towns to evacuate residents and at time of writing the EPA has ordered Nortfolk Southern to follow an approved remediation plan. If Norfolk Southern does not follow the plan, then the EPA will perform the remediation work itself and charge Norfolk Southern triple damages.

Train derailments often result in catastrophic losses to the railway company, its employees, the neighborhood, the environment, and overall to the country. For this reason, it's good to have at least a general understanding of what is and isn't covered from an insurance perspective.

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