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Umbrella and Excess Liability - Delegated Authority - North America

AXA XL Insurance's North America programs unit offers supported or mono-line umbrella/excess programs for various industries to program administrators who have unique industry skills, specialized underwriting talent and a proven record of success managing books of program business.

Product details


Most programs: USD 3 million


  • Umbrella (lead)
  • Umbrella (excess)
  • Follow form excess liability

Client Profiles

  • Program administrators with a special knowledge of or unique distribution for umbrella, excess or follow form excess accounts
  • Program emphasis on guaranteed cost business

Typical Information Required

  • Executive summary
  • Market focus
  • Background and experience
  • Program overview
  • Product offering
  • Premium projections
  • Territory
  • Limits requested
  • Historical premiums by line by state (five or more years)
  • Currently valued losses by line (five or more years)
  • Production source


  • Underwriting process and relationship with current carrier
  • Management of the underwriting cycle
  • Current environment


  • Marketing plan
  • Value proposition
  • Position in industry

Competitive environment:

  • Key competitors
  • Position in market

Pricing strategy:

  • Historical rate change


  • Breakdown by service

Benefits & Services

  • Dedicated program management team
  • Flexible and innovative program solutions
  • Streamlined policy administration system
  • Commitment to building and sustaining long-term partnerships

Information & Research

Attachment Point

USD 1 million

Limits On Product

Most programs: up to USD 5–10 million

Minimum Premium

USD 3.5 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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