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The Utilities sector is a vital pillar of the economy, influencing every aspect of daily life—from how we work and communicate to how we travel and consume resources. As this industry undergoes rapid transformation, its strategic importance at national and political levels continues to grow.

Our expertise in the Utilities sector and sector-specific insights allow us to deliver specialist underwriting solutions. This ensures you benefit from tailored, expert guidance and exceptional service that keeps pace with the sector’s evolving landscape.

Our highly skilled claims teams provide reliable support whenever it’s needed most. From initial notification to final settlement, we're committed to delivering efficient, transparent, and expert claims management—giving you and your clients confidence that we will handle every aspect with precision and care.

No.1

We’re part of the No.1 P&C commercial lines insurance platform*

Excellent Consistently outstanding service quality

Proud recipient of the 2025 Claims Service Quality Marque**

1,400

UK-colleagues committed to serving our clients, brokers and coverholders

* Based on revenues for AXA XL and AXA GI commercial business combined
** Awarded by Gracechurch Consulting, the independent insurance research consultancy, based on broker research

Expert coverage for your utility risks

Every utility risk is different—from water, gas, and electricity to other essential services—each with its own specific characteristics, operational activities, personnel, infrastructure, and risk profile. Our dedicated teams excel at crafting bespoke insurance solutions that accurately reflect these nuances, ensuring comprehensive protection while proactively addressing emerging risks that may arise.

Partner with us to secure a tailored insurance programme designed to support the unique demands of your utility operations—delivering peace of mind and resilience in an evolving industry landscape.

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Outstanding client experience

Responsiveness is in our culture. We're committed to having underwriting representation from each product line present at our London office or our box at Lloyd’s every day of the working week to make sure we're available to you, our clients, brokers and coverholders, when we’re needed.

We’re leaders in our field

As the specialist risk division of AXA Group, we’re one of the few global carriers that can offer a comprehensive range of insurance products to businesses of every kind and size. We're leaders in our field and combine the capacity, capabilities and financial strength of a large international organisation with the innovation and expertise of a specialty focused insurer. Scale you can use to your advantage.

We offer deep knowledge and expertise across more than 30 lines of business, spanning from Property & Casualty insurance (covering both Retail and Wholesale), Marine, Energy & Aerospace, to Specialty. Giving you access to the latest product innovation to meet your needs.

Property

Your valuable commercial property, plants and machinery need protection against an array of existing and emerging risks. Let’s partner together to take your business further.

Casualty

Primary and Excess, from domestic to international business - Across most industries, regions or types of coverage, simple or complex, we’ve got you covered.

Marine, Energy and Aerospace

Our Marine, Energy & Aerospace lines operate individually, under one strategic division.

Product Recall

We cover utility industries, helping you manage recall costs and providing comprehensive crisis management support.

Construction

Our tailored insurance solutions for construction companies cover a wide range of projects from infrastructure to engineering.

Motor Fleet

Protect your company with tailored motor fleet coverage, insuring your owned, leased, and employee private vehicles used for work locally and internationally.

Exceptional Claims and Risk Consulting Services

Our experienced claims professionals are specialised by line of business, industry, and region. We understand the nuances and unique challenges of local jurisdictions and are locally empowered to address and resolve claims promptly and fairly. Learn more about how our Claims services can support your businesses HERE.

Our Risk Consultants have access to the latest emerging risk research and peer benchmarking, giving you access to industry-leading analytics to help you identify your most significant risks, quantify their impact, and determine the best strategies to move forward with confidence.

Learn More

Find out how we can help you manage complex risk

Tim Smith
Client Management and Proposition Director, UK & Lloyd’s
timothy.smith@axaxl.com

Dave Hall
Industry Practice Manager
dave.hall@axaxl.com

The information contained herein is intended for informational purposes only. 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 forms for specific coverage details.

This summary does not constitute an offer, solicitation or advertisement in any jurisdiction, nor is it intended as a description of any products or services of AXA XL. 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. AXA, the AXA and XL logos are trademarks of AXA SA or its affiliates. ©2025. Information accurate as of October 2025.

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You are contacting AXA XL, the P&C and Specialty division of AXA. We provide Re/Insurance to mid-sized and multinational companies, and some high-net-worth individuals.

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Utilities protection you can trust

Expert coverage for your utility risks

Exceptional Claims and Risk Consulting Services

Find out how we can help you manage complex risk

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