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Overload protection connotes the capability to determine that if more load is being required than the decoder can handle. In that case, a circuit breaker of sorts will shut it down. I don't know if any of the decoders which are advertised to have overload protection have this type of scheme for protection - there are several schemes that could be considered to be overload protection and most companies just don't publish information on how they do it.

Some companies advertise Thermal Protection and Short-Circuit Protection. There are devices designed specifically for thermal overload, so I suspect those companies use those devices. Short-Circuit Protection generally looks for shorts when power is first turned on. Once it passes the short circuit test, it's not checked again. Digitrax decoders have this test. If it senses a short circuit, it shuts the decoder down except for blinking the headlight functions.

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