Was in contact with a friend at a brokerage. She wasn't sure. However I think I've found something. These people have a private crossing program for Railroad Protective Liability.
http://www.railroadprotectivesolutio...liability.aspx. Not sure if they would retail but if not, have your agent contact them. Can't hurt to call them.
Phone: (877) 551-1677
Fax: (888) 972-7831