Product Family

Umbrella and Excess Liability

North American Coverage

Large companies with complex risks turn to AXA XL for Commercial Umbrella and Excess Liability coverages to protect their assets in the event of catastrophic losses beyond the limits of their primary insurance program or self-insured retention (SIR).

Risk Consulting

Risk consultants providing comprehensive risk management solutions based on an understanding of client business priorities and goals.

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We cover:
  • Commercial Umbrella
  • Commercial Excess follow form and Umbrella Liability (A/B)
  • Excess Liability

Benefits and Services

We offer:

  • A broad range of products including: Lead Umbrella, Excess, Occurrence, Claims Made, Occurrence Reported, and Primary Rail and Excess
  • Vast appetite: From upper middle market to global multinationals with impressive capacity
  • Significant A-rated capacity
  • Admitted in 50 U.S. states and Canada; Non-admitted paper available
  • Global network
  • Risk engineering services
  • Occurrence and claims made forms available

Client Profiles

We have dedicated specialists for some of the most complex risks. Other industries we serve include:

  • Construction
  • Energy
  • Healthcare
  • Rail
  • Consumer and industrial manufacturing
  • Financial institutions
  • Food and beverage
  • Grocers
  • Hospitality
  • Real estate
  • Restaurants
  • Retail
  • Service industries
  • Technology
  • Wholesalers and distributors

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 wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. 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.

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