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Commercial Umbrella Insurance and Excess Liability

AXA XL Insurance’s Umbrella & Excess Liability insurance protects the assets of large companies with complex risks 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


We cover:

  • Commercial Umbrella
  • Commercial Excess Follow Form and Umbrella Liability (A/B)
  • Excess Liability

Key differentiators:

  • Global access points with fast, local decision-making: Bermuda, Dublin, London and N. America
  • Broad product offering:  Lead Umbrella, Excess, Occurrence, Claims Made, Occurrence Reported and Primary Rail and Excess
  • Vast appetite: From Upper Middle Market (UMM) to F1000 with impressive capacity: USD 100M.
  • Talent: Highly skilled underwriting, claims, and risk engineering team with deep knowledge and expertise in the complex risk arena.

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

  • Significant A rated capacity
  • Admitted in 50 states and Canada; Non-admitted paper available
  • Dedicated underwriting and claims expertise
  • Global network
  • Risk engineering services
  • Broad underwriting expertise
  • Occurrence and claims made form available

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

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.

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