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Umbrella and Excess Surplus Lines - Casualty Insurance - North America

AXA XL Insurance’s Umbrella and Excess Casualty team has the underwriting expertise to help you manage virtually any risk. We offer a unique mix of superior products, unmatched flexibility and outstanding client service.

Product details


  • Lead umbrella: up to USD 10 million
  • Excess: up to USD 25 million


  • Commercial umbrella: standalone
  • Commercial umbrella: A/B form (over our own primary only)
  • Excess occurrence follow-form
  • Excess claims-made follow-form

Client Profiles

  • Industrial or Commercial Products
    • Component parts manufacturers
    • Construction equipment
    • Farm machinery and related equipment
    • Industrial machinery manufacturers
    • Medical products (non-invasive)
    • Packaging manufacturers
    • Pipe manufacturers (not including PVC and polypropylene pipe)
    • Small chemical manufacturers and distributors
    • Valve manufacturers and distributors
  • Consumer-Related Products
    • Auto component parts manufacturers and distributors (non-critical)
    • Exercise equipment manufacturers and distributors
    • Fire safety equipment
    • Food and beverage manufacturers
    • Furniture manufacturers
    • Household appliance manufacturers and distributors
    • Playground equipment manufacturers and distributors
    • Sporting goods (not including helmet manufacturers)
    • Toys
  • Contractors
    • Commercial general contractors
    • Residential contractors (high-end home builders preferred)
    • Specified projects and practice policies
    • Trade/artisan contractors (HVAC, roofers, painters, street and road, etc.)
  • Service
    • Fireworks exhibitions
    • Health and exercise clubs
    • Security guards
  • Premises
    • Bars and taverns including liquor
    • Commercial buildings (sprinklered)
    • Hotels and resorts including high-rise, sprinklered buildings
    • Motels
    • Restaurants including liquor
    • Shopping centers/retails stores

Typical Information Required

ACORD applications, supplemental application (where applicable), website address, schedule of underlying insurance, and loss information (including five years currently valued loss runs)

Benefits & Services

  • Broad appetite for distressed and hard-to-place risks
  • Dedicated claims expertise
  • Non-admitted paper

Attachment Point

Lead umbrella

  • General liability: USD 1 million / 2 million /2 million
  • Automobile liability: USD 1 million, combined single limit
  • Employers liability: USD 500,000 / 500,000 / 500,000
  • Excess - Within first USD 100 million preferred

Minimum Premium


  • USD 25,000

Per million:

  • First USD 25 million: varies
  • Above USD 25 million: USD 1,500

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.