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Umbrella & Excess Liability Insurance for Middle Market Companies

In a market where service and responsiveness matter, AXA XL Insurance partners with clients to address their exposures, deploying capacity for solid protection.

AXA’s Umbrella and Excess Liability Insurance protects the insured’s assets from catastrophic loss beyond the limits of their primary insurance program or self-insured retention (SIR).

Product details


  • Lead Umbrella: up to USD 25 million
  • Excess Liability or ventilated: up to USD 50 million


  • Commercial Umbrella Policy Form
  • Commercial Excess Follow Form and Umbrella Liability Policy (A/B - Disaster Response included)
  • Excess Liability Policy

Client Profiles

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

We will consider classes not listed here. Have an opportunity? Please call us. We’re happy to talk with you about it. Personally.

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

  • Significant A rated capacity
  • Admitted in 50 states; Non-admitted paper available
  • Dedicated underwriting and claims expertise
  • Global and local network
  • Broad underwriting expertise
  • Industry supplement endorsements for
    • Grocers
    • Hospitality
    • Real Estate
    • Restaurants
    • Retail

Attachment Point

  • GL: USD 1 million each occurrence / 2 million general aggregate
  • 2 million products completed operations aggregate
  • AL: USD 1 million combined single limit
  • EL: USD 1,000/1,000/1,000 We may consider USD 500/500/500 depending on size of risk. We may consider USD 500/500/500

Limits On Product

  • Up to USD 25M Lead Umbrella
  • USD 50M Excess Liability

Minimum Premium

  • Lead Umbrella: USD 25,000 for USD 25MM up to USD 500MM in revenue
  • Lead Umbrella: USD 37,500 for USD 25MM above USD 500MM in revenue
  • Excess Liability: USD 1,000 per million

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.