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Facing into risk for a future to be imagined


Innovation has always kept the world moving forward, but it also comes with risk. In a world that is as complex and unpredictable as it is exciting, AXA XL is facing into risk.

As a leading global insurer, we constantly push the boundaries to protect your clients’ businesses and power their innovations. That makes us your strong partner to face into risk and build a resilient future together.

Financial Strength
Financial Strength
Access our recent financial results and learn how we continue to demonstrate financial strength to support your business.
AXA Future Risks Report 2024
AXA Future Risk Report
A global overview of the future risks perceived by a panel representing both the general public and industry experts. Over the years, this report has come to be a reference for all our stakeholders and has demonstrated our commitment to enabling them to anticipate, prevent, and reduce risks.
A headshot of Lucy Pilko
AI in Focus
Lucy Pilko, AXA XL Americas CEO, shares her insights on how AI is changing the game across various industries, transforming how businesses operate, make decisions, and create value.

Our risk appetite: how we can meet your clients’ needs

We’re driven to help businesses adapt and thrive amidst change. We leverage insights that provide clarity about your clients’ risks, at any moment in time – not just when we’re talking renewal. To learn more, access our US Insurance Risk Appetite Guide.

Meet the Team

A headshot of Matt O'Malley
Matt O'Malley
Chief Client & Distribution Officer, Americas

Customer Stories

“I would say AXA XL demonstrates strong financial stability and service capabilities while investing time to understand us, which are key criteria for us.”
Risk Manager

Customer Stories

“They take time to understand our business and needs and generally responsive to those. They do what we need everywhere we need it and do a good job of putting a team behind it. The client executive and underwriters that we have are very good and transparent.”
Risk Manager

Customer Stories

“AXA XL is much better than their peers on each of our carrier choice criteria: global scale, flexibility on how we structure programs, strong technical expertise and ability to execute all types of administrative actions.”
Risk Manager

Customer Stories

“AXA XL stands for partnership and continuity, always willing to be a partner and to provide solutions to ensure business continuity.”
Risk Manager

Customer Stories

“Their bench is deep, with lots of talented people, that are not just smart, but people you can enjoy spending time with and for some, even call them friends.”
Risk Manager

Customer Stories

“AXA XL stands for integrity, financial strength, care about customer, value personal relationship and long-term strategic partner.”
Risk Manager

Customer Stories

“AXA XL Claims professionals are always prompt in their responses and understanding in how a large company manages their claims. Can’t say enough about how AXA XL helps me to be informed and prepared when discussing insurance matters with my company C-suite.”
Risk Manager

Customer Stories

“14 years and several hundred transactions, you never expect it to happen to you. I was extremely stressed at the situation, but from the first call to AXA XL claims, which was like calling in the Cavalry, to my interaction with the attorney assigned to my case through completion, my experience was as positive and as pleasant as it could possibly be in these circumstances. I’m thankful that AXA XL was there for the rescue. Thank you! ”
Insured

Your partner for clients’ property risks

At AXA XL, it’s all about partnerships. And it starts with listening. By listening and learning all about your clients’ business and associated risks, we develop personalized property solutions that are designed specifically for each business.

We’re confident that our property offering will provide the necessary risk transfer and loss prevention solutions that will enable companies to pursue growth strategies. Our highly experienced, client-focused team is ready to support your clients’ ongoing property insurance and risk consulting needs. Let’s talk.

Need a global partner for your clients’ casualty risks?

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

Award-winning Captive Solutions

Our award-winning Captive team delivers a broad range of tailored solutions for captive owners including international P&C programs, parametric covers and employee benefits. Learn how we partner with you to help your client face complex risks.

Looking for a more client-focused approach to professional risks?

From D&O and E&O to Commercial Crime, we provide relevant coverages that are designed to meet the needs of your clients – from the routine risks to highly sensitive situations.

Cyber and Technology Coverage

At AXA XL, we help clients better understand and address cyber risk through proactive services, dedicated support and flexible coverages designed to protect a wide range of businesses before, during and after a cybersecurity incident. We’re a leading cyber and technology insurer and have the industry experience that makes a difference. We’ve been handling data breach incidents and underwriting cyber exposures for clients for over 20 years.

Enabling multinational business to grow further

Wherever your clients are in the world, our experts are ready to understand their insurance needs and create multinational solutions that help you and your clients.

#1

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

200+

Serving clients in more than 200 countries and territories

99.5% LOCAL CLAIMS HANDLING

99.5% of Americas claims are handled locally

Percentages based on full-year 2021 figures for AXA XL

Our Claims Team: Here for you, 365/24/7

If a client experiences a claim, that’s when our partnership truly shines. Because we know a policy is really a promise: Ours is to deliver an exceptional claims experience and work with you and your client every step of the way.

Need to make a claim? Click here.

Read the latest thought leadership

Cyber claims

Real life AXA XL Cyber Claims Scenarios


Our claims team shares real-life scenarios that have impacted multiple industries and jurisdictions...

Read More

Captives

2025 Captive Outlook: A market returning to its roots


Captive insurance, once established to address catastrophic property risks and emerging exposures, now finds renewed relevance...

Read More

Commercial property state in North America

Commercial Property Insurance 2025: Challenges and Opportunities Ahead in North America


Although commercial property insurance rates are more stable in 2025 than in recent years, there are a host of challenges that demand continued risk management attention...

Read More

Talk with us

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.

If your enquiry pertains to personal insurance, please contact AXA.

The controller of your personal data is the AXA XL company you wish to contact with your request. The privacy policy applicable to this company can be found at: https://axaxl.com/privacy-notice

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Global Asset Protection Services LLC, XL Catlin Services SE and their affiliates (“AXA XL Risk Consulting”) provide loss prevention and risk assessment reports and other risk consulting services, as requested. In this respect, our property loss prevention publications, services, and surveys do not address life safety or third party liability issues. This document shall not be construed as indicating the existence or availability under any policy of coverage for any particular 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 does 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. 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 our services, 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.

US- and Canada-Issued Insurance Policies. In the US, the AXA XL insurance companies are: 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, insurance coverages are underwritten by XL Specialty 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.

US domiciled insurance policies can be written by the following AXA XL surplus lines insurers: AXA XL Insurance Company UK Limited, Syndicates managed by AXA XL Underwriting Agencies Limited, and Indian Harbor Insurance Company. Enquires from US residents should be directed to a local insurance agent or broker permitted to write business in the relevant state.