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Commercial Excess Liability Insurance

AXA XL Insurance provides best-in-class underwriting, claims and service plus significant capacity and multiple access points to meet the needs of national and multinational clients.

Product details


Up to USD 100 million


AXA continues to provide catastrophic liability protection to the world’s most complex risks via occurrence, claims made, and occurrence reported forms as well as tailored industry specific coverages.

  • Occurrence
  • Claims-made
  • Occurrence reported
  • Punitive damages explicitly covered (in Bermuda, London and Dublin and where insurable by law in the US)
  • Broad pollution wording
  • Broad definition of “personal injury”
  • Secondary products recall generally included
  • Policy triggered by insured’s reporting of occurrence to AXA
  • Continuous policy
  • Unlimited discovery available at pre-determined cost
  • Bermuda: in addition to above, follow-form Aegis coverage available for utilities and pipeline companies

Client Profiles

Here are examples of the industries we serve:

  • Consumer and Industrial Manufacturing
  • Financial Institutions
  • Food and Beverage
  • Grocers
  • Hospitality
  • Real Estate
  • Restaurants
  • Retail
  • Service Industries
  • Technology
  • Wholesale and Distributors Manufacturing

We have dedicated underwriting specialists for some of the most complex risks, including Construction, Energy, Healthcare, and Rail. We will consider classes not listed here. Please contact us.

Typical Information Required

  • Policy Terms/Coverages Required
  • Financials and Description of Operations
  • 5 years of Currently Valued Loss Information
  • Underlying Application, Coverage Terms, Conditions, Quotes or Equivalent Information

Benefits & Services

  • Global underwriting platform, including access points in Bermuda, Dublin, London, and Toronto; in the US—Boston; Chicago; Dallas; Exton, PA; Kansas City, MO; Los Angeles; New York and San Francisco
  • A proven track record in claims handling
  • Underwriting expertise across many industries
  • Admitted and non-admitted issuing companies
  • Risk engineering support
  • Superior servicing capabilities

Attachment Point

  • USD 25 Million
  • Lower attachments available for selected activities

Limits On Product

Up to USD 100 million

Minimum Premium


The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details. AXA XL is a division of AXA Group providing products and services through four business groups: AXA XL Insurance, AXA XL Reinsurance, AXA XL Art & Lifestyle and AXA XL Risk Consulting. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

Contact Us

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