Excess Liability

XL Group offers excess liability coverage for companies domiciled throughout the world.

Product Availability

(Coverage provided for worldwide exposure)

  • Product details
    Product details

    Capacity

    Up to USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Punitive damages explicitly covered (in Bermuda, London and Dublin and where insurable by law in the US)
    – Broad pollution wording
    – Broad definition of “personal injury”
    – Secondary products recall generally included
    – Policy triggered by insured’s reporting of occurrence to XL Group
    – Continuous policy
    – Unlimited discovery available at pre-determined cost
    – Bermuda: in addition to above, follow-form Aegis coverage available for utilities pipeline companies

    Client Profiles

    – Companies with risk management programs in pla–ce
    – Classes
    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail Logistics and other transport Fortune 2000
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Policy terms/coverages required
    – Underlying coverage terms and conditions
    – Detailed description of operations
    – Five-year loss information
    – Bermuda: completed umbrella application
    – Elsewhere: Either an umbrella application or equivalent information

    Benefits & Services

    – Global underwriting platform
    – Admitted and non-admitted issuing companies
    – Risk engineering

    Attachment Point

    - USD 25 Million
    - Lower attachments available for selected activities

    Limits On Product

    Up to USD 100 million

    Minimum Premium

    Varies
  • North America
    North America

    Capacity

    Up to USD 75 million

    Coverage

    Since its origin in 1986, XL Group continues to provide catastrophic liability protection to the world’s most complex risks via occurrence, claims made, and occurrence reported forms as well as tailored industry specific coverages.

    Client Profiles

    – Chemicals 
    – Construction
    – Consumer and Industrial Manufacturing

    – Educational Facilities
    – Electric, Gas and Water Utilities
    – Financial Institutions 
    – Health Care 
    – Hospitality 
    – Life Science 
    – Mining 
    – Oil and Gas 
    – Real Estate
    – Retail 
    – Transportation, including Freight and Passenger Rail 
    – Wholesale

    Typical Information Required

     

    Benefits & Services

    – Global underwriting platform, including access points in Bermuda, Dublin, Toronto; and the US— (Atlanta; Boston; Chicago; Dallas; Exton; PA; Kansas City; MO; New York and San Francisco)
    – A proven track record in claims handling

    – Underwriting expertise across many industries
    – Admitted and non-admitted issuing companies
    – Risk engineering support
    – Superior servicing capabilities

    Attachment Point

    - USD 25 million
    - May consider lower attachment points for specified activities
  • Latin America
    Latin America

    Capacity

    Up to EUR/USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Lead or follow basis

    Client Profiles

    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail
    – Logistics and other transport
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

      Dedicated excess casualty claims expertise to ensure effective solutions and expedited resolution of all claims issues.

    Attachment Point

    - EUR/USD 15 Million
    - Lower attachments available for selected activities

    Minimum Premium

    To be agreed by risk
  • Continental Europe
    Continental Europe

    Capacity

    Up to EUR/USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Lead or follow basis

    Client Profiles

    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail
    – Logistics and other transport
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

      Dedicated excess casualty claims expertise to ensure effective solutions and expedited resolution of all claims issues.

    Attachment Point

    - EUR/USD 15 Million
    - Lower attachments available for selected activities

    Minimum Premium

    To be agreed by risk
  • UK & Ireland
    UK & Ireland

    Capacity

    Up to USD 75 million

    Coverage

     

    Client Profiles

    – Chemicals
    – Construction
    – Consumer and Industrial Manufacturing
    – Educational Facilities
    – Electric, Gas and Water Utilities
    – Financial Institutions
    – Health Care
    – Hospitality
    – Life Science
    – Mining
    – Oil and Gas
    – Real Estate
    – Retail
    – Transportation, including Freight and Passenger Rail
    – Wholesale

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

    – Global underwriting platform, including access points in Bermuda, Dublin, and Toronto; in the US—Atlanta; Boston; Chicago; Dallas; Exton, PA; Kansas City, MO; New York and San Francisco

    – A proven track record in claims handling

    – Underwriting expertise across many industries 

    – Admitted and non-admitted issuing companies

    – Risk engineering support

    – Superior servicing capabilities

    Attachment Point

    - USD 25 Million
    - May consider lower attachment points for certain activities

    Minimum Premium

    To be agreed by risk
  • Africa & Middle East
    Africa & Middle East

    Capacity

    Up to EUR/USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Lead or follow basis

    Client Profiles

    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail
    – Logistics and other transport
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

    Dedicated excess casualty claims expertise to ensure effective solutions and expedited resolution of all claims issues.

    Attachment Point

    - EUR/USD 15 Million
    - Lower attachments available for selected activities

    Minimum Premium

    To be agreed by risk

Downloads

Industries

Disclaimer
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, XL GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda are only available through non US-based brokers. The Insurance companies of XL Group plc are: Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Insurance Company of New York Inc., XL Insurance (Bermuda) Ltd, XL Insurance Company SE*, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Insurance Argentina SA Compañia de Seguros and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #1209 are managed by XL London Market Ltd and supported by XL corporate members at Lloyd’s. Additional important information regarding our business is provided on our Legal Notices page.
* XL Insurance Company SE carries on business in Canada as XL Insurance Company Limited.

Expert Profile

  • Joachim F. Walch Joachim specializes in finding innovative ways to overcome complex operational business risks. By listening, analyzing and working close ... View profile
  • John Turner John’s experience in both claims and underwriting gives him a real sense of what matters when the rubber hits the road — fro ... View profile
  • Priscilla Tang I understand the risks facing large corporates from a variety of industries – from consumer goods and the hospitality industry to ... View profile
  • Tan Wuen Lin With more than 15 years of insurance industry experience, Wuen Lin is the “go-to” person for brokers seeking a fast but thor ... View profile
  • Thomas Stamm As the Chief Underwriting Officer for XL’s international casualty insurance business, I am responsible for all markets outside of ... View profile
  • Laurent Soubeyroux I lead XL Group’s large corporates underwriting team in France. That means I get to work with most of the major listed companies o ... View profile
  • Lorraine Seib My commitment to clients is to help protect them from catastrophic losses. I truly have a passion for the insurance industry and I work ... View profile
  • Michael Rüsch With more than a decade of experience, Michael’s strengths are strategic thinking, analytics and innovation. View profile
  • Paul Rothery With 12 years of experience, Paul offers both specialized knowledge and enthusiasm to global marine clients. View profile
  • Karen Rice As a result of her extensive knowledge and multi-jurisdictional experience in construction litigation, Karen is a recognized expert in c ... View profile
  • Javier Morales With more than 25 years of insurance experience, Javier combines broad technical expertise in casualty underwriting with a keen insight ... View profile
  • Pierre-Yves Loertscher Pierre-Yves is skilled at designing, developing and implementing all aspects of complex liability projects and has expertise in claims-m ... View profile
  • Thomas Jenny As Senior Underwriter for large corporates in Switzerland, I help deliver the best liability insurance solutions to meet the specific de ... View profile
  • David Higgins David is skilled at providing both conventional and non-conventional policies to suit his clients’ requirements. View profile
  • David Halm With his expert team of casualty surplus lines underwriters, David delivers general liability and umbrella products to our nationwide ne ... View profile
  • Carla Greaves Throughout her more than 20 years in the Bermuda insurance market, Carla has become a trusted partner to clients and brokers. In additio ... View profile
  • Marco Facondo I focus on large corporate accounts in the Italian industrial market and specialize in creating tailored solutions for each client. This ... View profile
  • Anders Ekelund With more than two decades of experience, Anders specializes in complex primary casualty risks, focusing on underwriting innovation and ... View profile
  • Catherine Duffy Cathy has experience in all aspects of the industry, including personal and commercial lines, broking and reinsurance. She wrote the fir ... View profile
  • Pelayo Aranguren Gallego Ever since I entered the insurance industry over 10 years ago, casualty has been my focus. Whether you’re a long-time client or a ... View profile

Contacts

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Casualty

Excess Liability

XL Group offers excess liability coverage for companies domiciled throughout the world.

Product Availability

(Coverage provided for worldwide exposure)

  • Product details
    Product details

    Capacity

    Up to USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Punitive damages explicitly covered (in Bermuda, London and Dublin and where insurable by law in the US)
    – Broad pollution wording
    – Broad definition of “personal injury”
    – Secondary products recall generally included
    – Policy triggered by insured’s reporting of occurrence to XL Group
    – Continuous policy
    – Unlimited discovery available at pre-determined cost
    – Bermuda: in addition to above, follow-form Aegis coverage available for utilities pipeline companies

    Client Profiles

    – Companies with risk management programs in pla–ce
    – Classes
    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail Logistics and other transport Fortune 2000
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Policy terms/coverages required
    – Underlying coverage terms and conditions
    – Detailed description of operations
    – Five-year loss information
    – Bermuda: completed umbrella application
    – Elsewhere: Either an umbrella application or equivalent information

    Benefits & Services

    – Global underwriting platform
    – Admitted and non-admitted issuing companies
    – Risk engineering

    Attachment Point

    - USD 25 Million
    - Lower attachments available for selected activities

    Limits On Product

    Up to USD 100 million

    Minimum Premium

    Varies
  • North America
    North America

    Capacity

    Up to USD 75 million

    Coverage

    Since its origin in 1986, XL Group continues to provide catastrophic liability protection to the world’s most complex risks via occurrence, claims made, and occurrence reported forms as well as tailored industry specific coverages.

    Client Profiles

    – Chemicals 
    – Construction
    – Consumer and Industrial Manufacturing

    – Educational Facilities
    – Electric, Gas and Water Utilities
    – Financial Institutions 
    – Health Care 
    – Hospitality 
    – Life Science 
    – Mining 
    – Oil and Gas 
    – Real Estate
    – Retail 
    – Transportation, including Freight and Passenger Rail 
    – Wholesale

    Typical Information Required

     

    Benefits & Services

    – Global underwriting platform, including access points in Bermuda, Dublin, Toronto; and the US— (Atlanta; Boston; Chicago; Dallas; Exton; PA; Kansas City; MO; New York and San Francisco)
    – A proven track record in claims handling

    – Underwriting expertise across many industries
    – Admitted and non-admitted issuing companies
    – Risk engineering support
    – Superior servicing capabilities

    Attachment Point

    - USD 25 million - May consider lower attachment points for specified activities
  • Latin America
    Latin America

    Capacity

    Up to EUR/USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Lead or follow basis

    Client Profiles

    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail
    – Logistics and other transport
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

      Dedicated excess casualty claims expertise to ensure effective solutions and expedited resolution of all claims issues.

    Attachment Point

    - EUR/USD 15 Million
    - Lower attachments available for selected activities

    Minimum Premium

    To be agreed by risk
  • Continental Europe
    Continental Europe

    Capacity

    Up to EUR/USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Lead or follow basis

    Client Profiles

    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail
    – Logistics and other transport
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

      Dedicated excess casualty claims expertise to ensure effective solutions and expedited resolution of all claims issues.

    Attachment Point

    - EUR/USD 15 Million - Lower attachments available for selected activities

    Minimum Premium

    To be agreed by risk
  • UK & Ireland
    UK & Ireland

    Capacity

    Up to USD 75 million

    Coverage

     

    Client Profiles

    – Chemicals
    – Construction
    – Consumer and Industrial Manufacturing
    – Educational Facilities
    – Electric, Gas and Water Utilities
    – Financial Institutions
    – Health Care
    – Hospitality
    – Life Science
    – Mining
    – Oil and Gas
    – Real Estate
    – Retail
    – Transportation, including Freight and Passenger Rail
    – Wholesale

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

    – Global underwriting platform, including access points in Bermuda, Dublin, and Toronto; in the US—Atlanta; Boston; Chicago; Dallas; Exton, PA; Kansas City, MO; New York and San Francisco

    – A proven track record in claims handling

    – Underwriting expertise across many industries 

    – Admitted and non-admitted issuing companies

    – Risk engineering support

    – Superior servicing capabilities

    Attachment Point

    - USD 25 Million - May consider lower attachment points for certain activities

    Minimum Premium

    To be agreed by risk
  • Africa & Middle East
    Africa & Middle East

    Capacity

    Up to EUR/USD 100 million

    Coverage

    – Occurrence
    – Claims-made
    – Occurrence reported
    – Lead or follow basis

    Client Profiles

    – Manufacturing
    – Retail
    – Construction
    – Energy
    – Owners, landlords and tenants
    – Rail
    – Logistics and other transport
    – No excluded classes except major pharmaceutical companies

    Typical Information Required

    – Five year loss record electronically (confirmed claims experience from holding insurer)
    – Underlying coverage terms and conditions
    – Policy terms/coverage required
    – Description of operations

    Benefits & Services

    Dedicated excess casualty claims expertise to ensure effective solutions and expedited resolution of all claims issues.

    Attachment Point

    - EUR/USD 15 Million - Lower attachments available for selected activities

    Minimum Premium

    To be agreed by risk

Downloads

Industries

Expert Profile

  • Pelayo Aranguren Gallego Ever since I entered the insurance industry over 10 years ago, casualty has been my focus. Whether you’re a long-time client or a n... View profile
  • Catherine Duffy Cathy has experience in all aspects of the industry, including personal and commercial lines, broking and reinsurance. She wrote the firs... View profile
  • Anders Ekelund With more than two decades of experience, Anders specializes in complex primary casualty risks, focusing on underwriting innovation and s... View profile
  • Marco Facondo I focus on large corporate accounts in the Italian industrial market and specialize in creating tailored solutions for each client. This ... View profile
  • Carla Greaves Throughout her more than 20 years in the Bermuda insurance market, Carla has become a trusted partner to clients and brokers. In addition... View profile
  • David Halm With his expert team of casualty surplus lines underwriters, David delivers general liability and umbrella products to our nationwide net... View profile
  • David Higgins David is skilled at providing both conventional and non-conventional policies to suit his clients’ requirements. View profile
  • Thomas Jenny As Senior Underwriter for large corporates in Switzerland, I help deliver the best liability insurance solutions to meet the specific dem... View profile
  • Pierre-Yves Loertscher Pierre-Yves is skilled at designing, developing and implementing all aspects of complex liability projects and has expertise in claims-ma... View profile
  • Javier Morales With more than 25 years of insurance experience, Javier combines broad technical expertise in casualty underwriting with a keen insight i... View profile
  • Karen Rice As a result of her extensive knowledge and multi-jurisdictional experience in construction litigation, Karen is a recognized expert in co... View profile
  • Paul Rothery With 12 years of experience, Paul offers both specialized knowledge and enthusiasm to global marine clients. View profile
  • Michael Rüsch With more than a decade of experience, Michael’s strengths are strategic thinking, analytics and innovation. View profile
  • Lorraine Seib My commitment to clients is to help protect them from catastrophic losses. I truly have a passion for the insurance industry and I work v... View profile
  • Laurent Soubeyroux I lead XL Group’s large corporates underwriting team in France. That means I get to work with most of the major listed companies of... View profile
  • Thomas Stamm As the Chief Underwriting Officer for XL’s international casualty insurance business, I am responsible for all markets outside of N... View profile
  • Tan Wuen Lin With more than 15 years of insurance industry experience, Wuen Lin is the “go-to” person for brokers seeking a fast but thoro... View profile
  • Priscilla Tang I understand the risks facing large corporates from a variety of industries – from consumer goods and the hospitality industry to h... View profile
  • John Turner John’s experience in both claims and underwriting gives him a real sense of what matters when the rubber hits the road — from... View profile
  • Joachim F. Walch Joachim specializes in finding innovative ways to overcome complex operational business risks. By listening, analyzing and working closel... View profile

Contacts

Disclaimer
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Products are subject to legal and underwriting requirements. Coverages may not be available in all jurisdictions, including without limitation any jurisdiction within the United States, and may be available only through appropriately licensed producers. In addition, XL GAPS’s provision of publications or services is not an indication of the existence or availability under any policy of coverage for any particular property or type of loss or damage. Policies underwritten from Bermuda are only available through non US-based brokers. The Insurance companies of XL Group plc are: Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Insurance Company of New York Inc., XL Insurance (Bermuda) Ltd, XL Insurance Company SE*, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Insurance Argentina SA Compañia de Seguros and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #1209 are managed by XL London Market Ltd and supported by XL corporate members at Lloyd’s. Additional important information regarding our business is provided on our Legal Notices page. * XL Insurance Company SE carries on business in Canada as XL Insurance Company Limited.