Insurance Solutions for Mid-Market Businesses

AXA XL's dedicated Mid-Market offering is available across selected countries in Europe and the Asia-Pacific (APAC) region:

• Europe: Austria, France, Germany, Iberia (Spain and Portugal), Italy, Netherlands, Nordics (Denmark, Finland, Norway, and Sweden), and Central, Southeastern & Eastern Europe (CSEE).
• Asia-Pacific: Australia.

AXA XL's Europe & APAC Mid-Market offering generally supports businesses with annual revenues of up to €750 million, although eligibility criteria vary by market.

In some countries, including France, Mid-Market eligibility may also be based on employee thresholds in addition to revenue. Certain markets may also consider upper mid-market businesses, depending on the product, line of business and underwriting criteria.

AXA XL's Europe & APAC Mid-Market offers commercial insurance solutions across six core product lines:

• Property: Industrial and Commercial All Risks (domestic and multinational).
• Casualty: Public, Product, Environmental, Employers, Construction and Excess Liability.
• International Financial Lines (IFL): Directors & Officers (D&O) and Management Liability.
• Professional Liability: Professional Indemnity and Errors & Omissions (E&O).
• Marine: Marine Cargo, Stock Throughput, Hull and Marine Liability.
• Aviation: General Aviation Hull & Liability, Products Liability and Airport Operations.

Product availability, underwriting appetite, coverage and limits vary by market and line of business.

AXA XL offers the following indicative Mid-Market underwriting capacity across its Europe and APAC product lines:

• Property: Up to $200M USD/EUR for Industrial and Commercial All Risks (domestic & multinational).
• Casualty: Up to €/$30M depending on risk profile across Public, Product, Environmental, Construction, and Excess Liability.
• Directors & Officers (D&O): Up to €/$15M. Targeted to Mid-Market clients across all industry segments and sectors with revenues up to EUR 750M
• Professional Indemnity / E&O: Up to €/$15M.
• Aviation & Aerospace: Up to $75M USD/EUR (comprehensive) and up to $750M USD/EUR (liability) for General Aviation (max 60 pax); up to $500M USD/EUR for Products & Airports.
• Marine: Up to $10M USD/EUR for Cargo/Stock through-put, $5M for Hull, and $50M for Marine Liability.

For full underwriting guidance, please consult the AXA XL Appetite Guide. Exceptions may apply depending on factors such as the individual risk profile.

Yes. AXA XL designs multinational insurance programs for eligible mid-sized businesses operating across multiple countries. Our multinational capabilities help align local policy requirements with global insurance needs through coordinated program management and local underwriting expertise.

Yes. AXA XL combines local underwriting expertise with multinational capabilities backed by a global network serving clients in 208+ countries and territories to help businesses manage complex risks, cross-border operations, and international growth.

AXA XL provides dedicated claims management to help Mid-Market businesses respond to claims efficiently and minimize business disruption.

• Fast Track Claims: Aims to indemnify insureds within five business days of claim submission, subject to policy terms, eligibility criteria, and receipt of required information at first notice of loss.
• Eligibility: Fast Track Claims is available for eligible low-complexity property damage and non-disputed liability claims. Refer to the Mid-market brochure to learn more.

AXA XL's Mid-Market Risk Consulting services provide a modular risk assessment approach before and after policy inception:

• Pre-Binding Risk Scanning: The Risk Scanning App delivers automatic Nat Cat and Fire exposure assessments to support a faster quotation process.
• Post-Binding Risk Dialogue: Access to remote risk dialogue services helps clients and brokers profile needs and define a loss prevention strategy.
• Services on Demand: Includes a dedicated chat line with local risk engineers or account consultants, as well as light reports combining pre-binding data with on-site assessments via the risk scanning tool.

The AXA XL Risk Scanning App is a digital risk assessment tool designed to help brokers and mid-market clients quickly evaluate Natural Catastrophe (Nat Cat) and Fire exposures across facility locations.

By delivering automated, site-specific risk insights in the pre-binding stage, the app supports a faster quotation process, underwriting turnaround times, accurate policy pricing, and informs proactive, long-term risk management and loss prevention strategies.

AXA XL's Europe & APAC Mid-Market supports businesses across a broad range of industries, including:

• Manufacturing (Machinery, Metal, Computer/Electronics, Auto-Parts, Plastics/Rubber, Textiles)
• Construction & Infrastructure
• Technology
• Healthcare & Life Sciences
• Transportation, Warehousing & Logistics
• Financial Services
• Professional Services (Lawyers, Accountants, Architects, Engineers)
• Real Estate & Commercial Property
• Marine & Cargo (Ports, Terminals, Logistics Operators)
• Aviation (General Aviation, MRO, Refuellers, Airports, Ground Handlers)
• Energy & Utilities (including Renewable Energies)

AXA XL’s Europe & APAC Mid-Market offering combines local underwriting expertise, flexible multinational capabilities, modular Risk Consulting, and dedicated claims management alongside significant commercial capacity.

Supported by strong financial strength ratings from A.M. Best (A+) and S&P (AA-), AXA XL helps brokers and clients manage increasingly complex risks across Europe and APAC.

Select your country or market from the list below the map to explore local Mid-Market insurance solutions, products, underwriting expertise and contact information.