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Casualty Insurance - North America

AXA XL Insurance offers customized primary casualty coverage to any company willing to retain no less than the first $250k of each and every risk.

Product details


  • Auto liability and General liability: up to USD 5 million
  • Workers’ compensation and excess workers’ compensation: statutory


Primary general liability, automobile liability and workers compensation for clients with sound risk management and who retain a significant portion of their risk through large deductible, self-insurance and captive reinsurance programs.

Client Profiles

Large US-based companies, including: Consumer Goods & Services, Industrial Goods & Services, Professional Services, Education and Public Sector.

Typical Information Required

  • Policy terms/coverage required
  • Description of operations and safety programs
  • Minimum five years loss history
  • Prospective and historical exposures
  • Employee census information
  • Two years financial statements
  • Actuarial reports, if available

Benefits & Services

  • Unbundled claims
  • Knowledgeable and experienced underwriting staff with authority close to the point of sale
  • Creative collateral and program structure solutions
  • Oversight of claims third-party administrators
  • Access to best-in-class vendors for claims handling and loss control services

Attachment Point


Limits On Product

  • Auto liability and General liability : up to USD 5 million
  • Workers’ compensation and excess workers’ compensation: statutory
  • Limits Up to USD 10 million
  • Program Parameters
  • Primary and excess coverage available
  • Attachment:
  • Minimum: USD 50,000 (on select classes)
  • Maximum: USD 25 million

Minimum Deductible

  • Auto liability and General liability: USD USD 100,000
  • Workers’ compensation: USD USD 250,000
  • Lower deductibles may be available

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.