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XL Group and ABA Insurance Services Add New Coverage to Protect Commercial Businesses from Employment Practices Liability

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NEW YORK, New York and Mayfield Heights, OHIO, May 15, 2012 – The insurance operations of XL Group (NYSE: XL) and ABA Insurance Services Inc., a managing general underwriter, expanded their Employment Practices Liability Insurance (EPLI) product to include additional protection such as Wrongful Internet coverage and legal assistance to offer more protection to commercial businesses against claims made by employees or former employees.

“In today’s economic climate, claims against employers have consistently trended upward. Last year alone, the Equal Employment Opportunity Commission received close to 100,000 claims and collected some $455.6 million in fines against businesses of diverse sizes and industries,” said David Zell, Vice President and Program Manager in XL Group’s Select Professional business. ”This coverage offers small businesses the kind of comprehensive employment practices protection that many large firms rely on.”

“For instance, employers are growing more susceptible to employees’ use of Facebook, Twitter, blogging and other social media outlets. Our latest policy update includes Wrongful Internet coverage which extends our wrongful act coverage into the 21st century by covering use of social media explained XL Group’s Mr. Zell. “We’ve also extended our policy form — to keep pace with new risks emerging in the market and assure clear understanding of the coverage offered.”

According Robert Pizarro, Product Manager/Product Counsel at ABA Insurance Services, “Through our program agreement with XL Group, we’re able to put our collective underwriting expertise, loss prevention resources and claims handling experience to work for our agents and offer considerable coverage and resources that can help address their commercial business clients’ EPL exposures before a claim is even filed. For instance, our clients are given access to legal advice which includes an employment termination helpline, news alert service and an online library of human resource documents and reference manuals.”

Employment Practices Liability Insurance addresses claims related to discrimination involving age, sex, race, disability, etc., as well as wrongful termination of employment, sexual harassment, and other employment-related allegations. ABA Insurance Services’ provides EPLI coverage to small and mid-size businesses with fewer than 250 employees through the XL Group insurance company, Greenwich Insurance Company. Available coverage and services provided include: • Full prior acts coverage • Defense Outside the Limits option • Wrongful Internet coverage • Duty-to-Defend provision • Liability limits up to $2 million • Retentions as low as $2,500 • $100,000 defense sublimit for Fair Labor Standards Act (FLSA) claims (not available in CA)

“Our online application process – through www.ForAgentsOnly.com* -- also give agents easy, ‘one and done’ access to submit an application and bind a policy,” noted Mr. Pizarro.

About ABA Insurance Services
ABA Insurance Services Inc. is a managing general underwriter that offers professional and management liability, and financial institution bond coverage to community banks and small businesses. Formerly known as Progressive’s Professional Liability Group, ABA Insurance Services has been providing underwriting and claims handling expertise to companies across the country for over 25 years.

About XL’s Insurance Operations
XL Group plc’s insurance companies offer property, casualty, professional and specialty insurance products globally. Businesses that are moving the world forward choose XL as their partner. To learn more, visit www.xlgroup.com/insurance

XL Group is the global brand used by XL Group plc’s insurance subsidiaries.

XL Group’s Select Professional group provides professional liability insurance programs including directors and officers (D&O) liability insurance, employment practices liability, and errors and omissions (E&O) insurance to small and mid-sizes businesses, especially service providers including accountants, lawyers, agents & brokers and others.

About XL Group plc
XL Group plc, through its subsidiaries, is a global insurance and reinsurance company providing property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises throughout the world. XL is the company clients look to for answers to their most complex risks and to help move their world forward. Its principal offices are located at No.1 Hatch Street Upper, 4th Floor, Dublin 2, Ireland. To learn more, visit www.xlgroup.com

*ForAgentsOnly.com is a proprietary agency-dedicated website owned and operated by Progressive Casualty Insurance Company, and made available for use by ABA Insurance Services Inc.



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