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AXA XL Legal Notices

This website is for general education only and is not intended to constitute an offer to solicit business.

AXA XL is the property & casualty and specialty risk division of AXA, providing insurance and risk management products and services for mid-sized companies through to large multinationals, and reinsurance solutions to insurance companies globally.

THE MATERIALS AND INFORMATION ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. AXA SA (“AXA”) and XL Group Ltd  ("XL," the "Company" or “we”), and their respective related, affiliated and subsidiary companies, disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page of this website is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your legal or tax advisor regarding your specific situation.

In no event shall AXA, AXA XL, or their respective related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental or consequential damages arising from the use of the information on this website.

Risk Engineering Disclaimer

Global Asset Protection Services, LLC, AXA Matrix Risk Consultants S.A., and their affiliates (“AXA XL Risk Consulting”) provide loss prevention and risk assessment reports and other loss prevention services, as requested (specifically property related in respect of reports and services provided by or through Global Asset Protection Services, LLC). Documents created by AXA XL Risk Consulting including reports, letters e-mails, publications, etc. are based upon conditions and practices observed and the data made available at the time of its collection. In the case of Global Asset Protection Services LLC, its personnel, publications, services, and surveys do not address life safety or third-party liability issues. Any services addressing life safety or third-party liability are provided by others. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular property or type of loss or damage. The provision of any service does not imply that every possible hazard has been identified at a facility or that no other hazards exist.  AXA XL Risk Consulting do not assume, and shall have no liability for the control, correction, continuation or modification of any existing conditions or operations. We specifically disclaim any warranty or representation that compliance with any advice or recommendation in any document or other communication will make a facility or operation safe or healthful, or put it in compliance with any standard, code, law, rule or regulation. If there are any questions concerning any recommendations, or if you have alternative solutions, please contact us. Save where expressly agreed in writing, AXA XL Risk Consulting and its related and affiliated companies disclaim all liability for loss or damage suffered by any party arising out of or in connection with this document, including indirect or consequential loss or damage, howsoever arising. Any party who chooses to rely in any way on the contents of this document does so at their own risk.

AXA, the AXA and XL logos are trademarks of AXA SA or its affiliates. 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.

Licenses and Regulatory Information

AXA XL’s insurance, reinsurance and financial products and services companies are licensed or otherwise approved to transact business in various countries and various states of the United States. All products and services referred to are subject to underwriting requirements. Certain products and services described on this website are not available to all users because of insurance regulatory restrictions. Availability varies by jurisdiction.

The information contained on this website is intended for informational purposes only. Insurance coverage in any particular case will depend on the type of policy in effect; the terms, conditions and exclusions in any such policy and the facts of each unique situation. We make no representation that any specific insurance coverage would apply in the circumstances outlined on this website. Please refer to the individual policy forms for specific coverage details.

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 XL.

US domiciled insurance policies can be written by the following AXA XL surplus lines insurers: XL Catlin Insurance Company UK Limited, Syndicates managed by Catlin Underwriting Agencies Limited and Indian Harbor Insurance Company. Insurance policies issued by underwriters are not protected or guaranteed by state insurance guaranty associations or insolvency funds. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state. A list of surplus lines brokers can be access through the National Association of Professional Surplus Lines Offices (NAPSLO) website.

New York Domestic Violence Notice
Protections for Victims of Domestic Violence Under New York Insurance Law §2612

New York Insurance Law §2612 provides important protections to persons who may be subject to domestic violence. These protections include prohibiting an individual, insurer or entity supervised by the Department of Financial Services, solely because a person is or has been a victim of domestic violence, from:

  • Refusing to issue or renew, deny or cancel any insurance policy or contract,
  • Demanding or requiring a greater premium or payment from any person,
  • Designating domestic violence as a preexisting condition for which coverage will be denied or reduced, and
  • Using the fact that a person is or has been a victim of domestic violence as an underwriting criterion.

New York Insurance Law 2612 also requires that certain insurers establish procedures to protect and limit access to certain personal information related to a victim of domestic violence.

New York Insurance Law 2612 provides that, if any person covered by an insurance policy issued to another person who is the policyholder, or if any person covered under a group policy delivers to the insurer that issued the policy, a valid order of protection against the policyholder or other person, then the insurer is prohibited for the duration of the order from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing covered services to the insured. If a child is a covered person, then the right may be asserted by the child’s parent or guardian.

New York Insurance Law 2612 also requires a health insurer, as defined in that section of the law to include an accident and health insurer, to accommodate a reasonable request made by a person covered by an insurance policy to receive communications of claim-related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger the person. If the covered person is a child, then the right may be asserted by the child’s parent or guardian. The law further provides that, except with the express consent of the person making the request, a health insurer may not disclose to the policyholder: (1) the address, telephone number, or any other personally identifying information of the person who has made the request or child for whose benefit a request was made; (2) the nature of the health care services provided; or (3) the name or address of the provider of covered services.

Procedure to Make a Request:

To submit a valid court order of protection and/or request to receive communications of claim-related information by alternate means or at alternate locations to AXA XL, please use the home address or visit our Claims page to email us.

Home Office Address: Seaview House, 70 Seaview Avenue, Stamford, CT 06902

Please include:
1. policy information if available;
2. any alternative address, telephone number or other method of contact; and
3. a valid court order of protection issued by a New York State Court and/or a statement that disclosure of claim-related information could endanger the person seeking confidentiality.

To revoke a request, please also include a sworn statement that confidentiality is no longer necessary.

New York State Domestic and Sexual Violence Hotline:

For further information about domestic violence, you may contact the New York State Domestic and Sexual Violence Hotline by calling 1-800-942-6906, English & Español/Multi-language Accessibility. Deaf or Hard of Hearing: 711

In NYC: 1-800-621-HOPE (4673) or dial 311 TDD: 1-800-810-7444

Hyperlinks

Some of the links available to you through this website will direct you away from AXA XL's website. AXA cannot guarantee that the hyperlinks on this website will be accurate at the time of your access. Third-party websites accessed through these hyperlinks are developed and maintained by person(s) over whom AXA has no control. We cannot and do not monitor the websites linked to from our website. Accordingly, AXA assumes no responsibility for the content of any website referenced by any hyperlink or otherwise. AXA believes that making available hyperlinks to publicly accessible websites and newsgroups is legally permissible and consistent with the common, customary expectations of those who use the Internet. These links are provided only for your convenience, and their inclusion does not constitute or imply our approval or endorsement of the websites or their content.

Intellectual Property

All intellectual property rights—including copyrights, database rights, first publication rights, patents, trademarks and know-how—on this website and in the content published on this website, unless otherwise indicated, are owned either by AXA or its related, affiliated and subsidiary companies or made available to us under license by third parties. This website and all content published on this website, unless otherwise indicated, is protected by copyright. All trademarks and devices displayed on this website, unless otherwise indicated, are owned by AXA companies and/or our licensors and may be registered in jurisdictions across the world. Except as provided below, any use or reproduction of these trademarks and devices is prohibited.

Subject to any prohibitions stated on third-party websites accessible via hyperlinks on the website, you may view the content published on this website and are welcome to print hard copies of material on it for your personal or internal business purposes. You are also entitled to download certain files from this website made available for this purpose, which you may then use for your personal or internal business purposes. All other copying is strictly prohibited.

Brand

AXA, the AXA and XL logos are trademarks of AXA SA or its affiliates

Press Releases and Investor Relations Materials

All press releases and other investor relations materials on this website speak only as of their original dates. These materials were, to the best of AXA's knowledge, timely and accurate when issued. However, the passage of time can render information obsolete, and you should not rely on the continued accuracy of any such material beyond the date of issuance.

AXA does not assume any duty of disclosure beyond that which is imposed by law and, except as required by law, expressly disclaims any responsibility to update any information contained in the materials provided on this website. You should carefully check the dates of issuance of the materials contained on this website.

Terms for AXA XL RSS feeds

Subject to the disclaimers in these legal notices, you may use the RSS feeds from our websites. The contents of our websites are protected by the relevant copyright laws and international copyright treaties, and all title, ownership and intellectual property rights remain the property of AXA. We require proper attribution whenever you use contents from AXA XL’s website on your website. We may restrict, modify, suspend or terminate your access to these feeds, in whole or in part, at any time, without liability. We reserve the right to ask that you remove contents on your website that were derived, copied or otherwise adapted from our website.

Security

You should be aware that the Internet, being an open network, is not secure. If you choose to send any electronic communications to us by means of this website (whether by means of email or messages posted on the website), you do so at your own risk. AXA cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipients safely.

AXA will use all reasonable endeavors to ensure that this website is reasonably secure. However, we cannot guarantee that any information displayed on this website has not been interfered with without our consent.

Entire contents copyright 1986–2019 AXA or its affiliates.  All rights reserved.

Updated: 13 September, 2019