Product Family

To help U.S. domiciled multinational businesses efficiently address their tax/compliance regulations and contractual obligations, AXA XL’s Global Risk Management (GRM) and the North America Excess Casualty business units have teamed up to offer Multipass™, a new product which combines an international controlled master program with an umbrella liability policy to create a global admitted commercial umbrella program.  Multipass™ extends the international primary General Liability policy limit to meet a customer’s requirements in a specific country(ies).   

According to Stefan Homberger, GRM Head of Multinational Casualty, “Businesses are often required to evidence admitted local General Liability coverage above the primary liability limits.  Multipass™ allows organizations to comply with these excess requirements under the global admitted commercial umbrella program.”

Multipass™ will offer clients a seamless global solution by providing higher limits under the same local policy where AXA XL is licensed to provide admitted coverage. The policy is written on local admitted paper for the country where requested, creating a more efficient end-to-end process for the client. The Multinational Casualty team will provide coordinated claims handling services and will make local payments up to the policy limit for covered losses.  

“This combined product offering will enhance efficiencies for multinational clients, streamlining administrative operations and ensuring compliance with local jurisdictional requirements,” said Nicoletta George, Senior Product Line Manager for AXA XL’s North America Excess Casualty.  “Simply evidencing available capacity under a U.S. umbrella policy is no longer an acceptable solution for some of our global clients. By leveraging local expertise and the comprehensive resources at AXA XL, we are now able to provide a truly global solution for the client.”

Multipass™ combines the international sophistication of AXA XL’s Multinational Casualty team with additional capacity provided by the North America Excess Casualty unit.  For more information about this product, visit

AXA XL’s Global Risk Management team works collaboratively to build risk management programs, including General Liability, U.S. Workers Compensation, and Commercial Auto, for large U.S. and Canadian-based domestic and multinational companies. Through its regional and global network, AXA XL helps these companies address their primary casualty risks through insurance, analytics and loss prevention needs in more than 200 countries.

With a broad product offering and appetite, AXA XL’s Excess Casualty business unit provides Umbrella, Excess Liability and Rail coverage to North American based clients via multiple access points – Bermuda, Ireland and North America from upper middle market to global multinationals with a maximum capacity of $50M.  Policy forms include Occurrence, Claims Made and Occurrence Reported.   

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AXA XL1, the property & casualty and specialty risk division of AXA, provides insurance and risk management products and services for mid-sized companies through to large multinationals, and reinsurance solutions to insurance companies globally. We partner with those who move the world forward. To learn more, visit


AXA XL1 Insurance offers property, casualty, professional, financial lines and specialty insurance solutions to mid-sized companies through to large multinationals globally. We partner with those who move the world forward. To learn more, visit

1AXA 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.