This website is for general education only and is not intended to constitute an offer to solicit business.
THE MATERIALS AND INFORMATION ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. XL Group plc and its 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 XL Group plc and its 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.
References throughout this website to “XL” or the “XL Group” refer collectively to XL Group plc together with its subsidiaries and affiliates, unless the context indicates otherwise.
Licenses and Regulatory Information
XL Group plc is a holding company and does not underwrite or provide (re)insurance products or services. All such products or services are provided by operating subsidiaries within the XL Group. XL Group plc’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-issued Insurance Policies
In the US, XL’s insurance companies are Greenwich Insurance Company; Indian Harbor Insurance Company; XL Insurance America, Inc.; XL Insurance Company of New York, Inc.; XL Select Insurance Company and XL Specialty Insurance Company. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.
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 http://www.lloyds.com to see where Underwriters at Lloyd's of London are licensed.
XL Global Asset Protection Services, LLC
Global Asset Protection Services, LLC (“XL GAPS”) provides loss prevention and risk assessment resources, reports and other loss prevention services, as requested. These resources, reports and services do not:
- – indicate the existence or availability under any policy of coverage for any particular property or type of loss or damage;
- – address life safety or third-party liability issues;
- – identify every possible hazard at a facility or represent that no hazards other than those identified exist; or
- – guarantee that implementation of our advice or recommendations will make a facility or operation safe, healthful or compliant with any law, rule or regulation.
- The XL GAPS website, www.xlgaps.com, is controlled, operated and administered from XL GAPS offices in the US. XL GAPS makes no representation that the materials on www.xlgaps.com are appropriate or available for use at other filenames outside the US. Access to www.xlgaps.com from territories where its content is illegal is prohibited.
- Your use of www.xlgaps.com and the materials provided through the site are subject to the following terms and conditions:
- – XL GAPS grants you a non-exclusive, non-transferable, limited right to access and use its website and materials.
- – Your www.xlgaps.com password(s) is(are) for your use only and cannot be disclosed to third parties or used for any purpose not expressly authorized by XL GAPS. If you provide us with inaccurate information or improperly disclose or misuse your password(s), we may terminate your use of www.xlgaps.com
- – We assume that any information you provide is accurate, complete and up-to-date. It is your responsibility to correct any information that you know or are advised is inaccurate.
- – You may not rent, lease, sublicense, distribute, transfer, copy or modify any XL GAPS materials.
- – You may not translate, decompile or attempt to create, by reverse engineering or otherwise, the source code from the object code made available on www.xlgaps.com. You also may not adapt www.xlgaps.com in any way or use it to create a derivative work.
- – Your use of www.xlgaps.com must comply with all applicable international, federal, state and local laws, rules, legislation, regulations or ordinances, including, without limitation, the Communications Decency Act of 1996, as amended.
- – Except for information that is generally available for use and disclosure to the general public without any charge or license, all information available on www.xlgaps.com is confidential and proprietary to XL GAPS. You may not disclose such information to any third party without a written agreement between you and XL GAPS.
- We may change, modify, suspend or terminate any aspect of www.xlgaps.com at any time and may impose limits on certain features or services or otherwise restrict your access to part or all of www.xlgaps.com without notice or liability.
Some of the links available to you through this website will direct you away from our website or redirect you to a third-party website. We 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 we have no control. We cannot and do not monitor the websites linked to from our website. Accordingly, XL Group plc and its related, affiliated and subsidiary companies assume no responsibility for the content of any website referenced by any hyperlink or otherwise. We believe that our 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.
All intellectual property rights—including, without limitation, 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 XL Group plc 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 intellectual property and devices displayed on this website, unless otherwise indicated, are owned by the XL Group companies and/or our licensors and our trademarks may be registered in jurisdictions across the world. Except as provided below, any use or reproduction of our intellectual property 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 usage is strictly prohibited.
XL Group is the global brand used by XL Group plc’s insurance and reinsurance companies.
“XL,” “Make Your World Go,” “XL Group” and our logo are registered trademarks owned by XL Group companies and may be registered in jurisdictions across the world.
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 our 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.
We do not assume any duty of disclosure beyond that which is imposed by law and, except as required by law, expressly disclaim any responsibility to update any information set forth in its filings with the US Securities and Exchange Commission or contained in the other materials provided on this website. You should carefully check the dates of issuance of the materials contained on this website.
Terms for XL Group 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 our property. We require proper attribution whenever you use contents from an XL Group 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. We cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipients safely.
We 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.
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 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 XL with third parties or other amounts due to XL; (d) changes in ratings or rating agency policies and practices; (e) changes in the projected amount of ceded reinsurance recoverables; (f) XL’s ability to successfully implement its business strategy; (g) greater frequency or severity of claims and loss activity than 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 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 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 XL’s financial instruments that could result in changes to investment valuations; (l) changes to 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 XL’s subsidiaries to pay dividends to XL Group plc 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’s reports on Form 10-K, Form 10-Q and other documents on file with the Securities and Exchange Commission. 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.
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