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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," 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’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.

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.

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.

XL London Market Ltd and Other Lloyd’s Operations

US entities please note:
Underwriters at Lloyd's of London ("Underwriters") are licensed only in Kentucky, Illinois and the US Virgin Islands but are approved surplus lines insurers in all other US jurisdictions. Insurance policies issued by Underwriters are not protected or guaranteed by state insurance guaranty associations or insolvency funds.

Coverage is available through licensed surplus lines brokers or directly, subject to the limitations of your state’s laws. Persons or companies seeking to obtain coverage directly should become familiar with state laws governing the placement of insurance risks with non-admitted insurers. A number of jurisdictions have industrial insured exemptions or large commercial insured exemptions, which govern direct placements. Typically, these require an insured to have a full-time insurance risk manager or a continuously retained insurance consultant and a minimum number of employees and amount of annual premium.

In many jurisdictions, direct and/or industrial insured placements are subject to reporting and taxation requirements. Generally, such requirements are the responsibility of the insured.

Because insurance laws governing surplus lines and direct and industrial insured placements vary among jurisdictions with regard to the requirements and obligations of the insured and any broker or consultant involved, you should carefully review a jurisdiction's laws before deciding which procedure to undertake.

Non-US entities please note:
Visit to see where Underwriters at Lloyd's of London are licensed.

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.

Illinois Post-Disaster Storm Bulletin

In response to the Governor’s December 4, 2018, disaster declaration of Christian County and the Illinois Department of Insurance request that insurers provide fair treatment to policyholders, AXA XL has implemented the following effective immediately:

a. All cancellation or nonrenewal notices issued on or after November 23, 2018, on any in-force policy issued to an affected policyholder and/or property have been or will be withdrawn. No new cancellation or nonrenewal notices will be sent to affected policyholders and/or property until January 23, 2019, or later.

b. Extensions will be granted to affected policyholders on all policy provisions or other requirements that impose a time limit for an insured or claimant to perform any act, including the submission of a claim or proof of loss, reporting of information, submission of bills, or payment of funds. This extension will be for a minimum of 60 days from the last date allowed or required under the terms of the contract or allowed or required by the insurer, or longer if deemed reasonable given a policyholder's circumstances.

c. Consideration will be given to other exceptions to policy/contract requirements and rating/underwriting rules when the requirements or rules are not met as a result of this disaster.

d. Policyholders have been advised that they can file a complaint regarding any disaster-related dispute or issue with the Department by calling the toll-free complaint hotline at 1-866-445-5364, or filing a complaint online at:

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


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.


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 an 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.


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.

NY Cyber Security Regulation Compliance

The New York Department of Financial Service’s Cyber Security Regulation compliance certificate was filed for the year ending in 2018 for XL Insurance America, Inc.

Forward Looking Statements

Statements that are not historical facts—including statements about our beliefs, plans or expectations—are forward-looking statements. These statements are based on current plans, estimates and expectations, all of which involve risk and uncertainty. Statements that include the words “expect,” “intend,” “plan,” “believe,” “project,” “anticipate,” “will” or “may,” or similar statements of a future or forward-looking nature, identify forward-looking statements. Actual results may differ materially from those included in such forward-looking statements, and therefore you should not place undue reliance on them. A non-exclusive list of the important factors that could cause actual results to differ materially from those in such forward-looking statements includes (a) changes in the size of AXA XL’s claims relating to natural or man-made catastrophe losses due to the preliminary nature of some reports and estimates of loss and damage to date; (b) trends in rates for property and casualty insurance and reinsurance; (c) the timely and full recoverability of reinsurance placed by AXA XL with third parties or other amounts due to AXA XL; (d) changes in ratings or rating agency policies and practices; (e) changes in the projected amount of ceded reinsurance recoverables; (f) AXA XL’s ability to successfully implement its business strategy, especially during a “soft” market cycle; (g) greater frequency or severity of claims and loss activity than AXA XL’s underwriting, reserving or investment practices anticipate based on historical experience or industry data; (h) changes in general economic conditions, including the effects of inflation and changes in interest rates, credit spreads, foreign currency exchange rates and future volatility in the world’s credit, financial and capital markets that adversely affect the performance and valuation of AXA XL’s investments or access to such markets; (i) developments, including uncertainties related to the ability of eurozone countries to service existing debt obligations, the strength of the euro as a currency and the financial condition of counterparties, reinsurers and other companies that are at risk of bankruptcy and affect AXA XL’s business; (j) the impact of downgrades of US securities by credit rating agencies or the European sovereign debt crisis and the resulting effect on the value of securities in our investment portfolio or posted as collateral by and to us; (k) the potential for changes to methodologies, estimations and assumptions that underlie the valuation of AXA XL’s financial instruments that could result in changes to investment valuations; (l) changes to AXA XL’s assessment as to whether it is more likely than not that it will be required to sell, or changes to its intent to sell, available-for-sale debt securities before their anticipated recovery; (m) the ability of AXA XL’s subsidiaries to pay dividends to XL Group Ltd and XLIT Ltd.; (n) the potential effect of regulatory developments in the jurisdictions in which XL operates, including regulatory developments that could impact the financial markets or increase XL’s business costs and required capital levels; (o) changes in applicable tax laws, tax treaties or tax regulations or the interpretation or enforcement thereof; and (p) the other factors set forth in XL Group Ltd’s reports on Form 10-K, Form 10-Q and other documents on file with the Securities and Exchange Commission. AXA XL undertakes no obligation to update publicly or revise any forward-looking statement, whether as a result of new information, future developments or otherwise.

XL intends to use this website as a means of disclosing material non-public information and complying with its disclosure obligations under Regulation FD. Any such disclosures will be included on the website in the Investor Relations section. Accordingly, investors should monitor the Investor Relations section of XL's website in addition to following its press releases, SEC filings and public conference calls and webcasts.

Entire contents copyright 1986–2018 AXA or its affiliates. All rights reserved.

Updated: September 12, 2018