Excess Automobile (Surplus Lines) - North America
XL Catlin's excess automobile unit offers coverage to different classes of auto on either a lead or excess basis. We have a broad appetite for almost all classes of auto business.

Product details


USD 5 million


  • Lead or excess
  • Occurrence
  • Follow form

Minimum Underlying Limits

  • Automobile liability: USD 1 million, combined single limit
  • General liability: USD 1 million / USD 1 million / USD 1 million
  • Employers liability: USD 500,000 / USD 500,000 / USD 500,000

Client Profiles

  • Private upper middle market companies
  • Large single-nationality companies

Typical Information Required

  • Completed application
  • Five years currently valued loss runs

Benefits & Services

  • Specialized claims handling
  • Broad appetite
  • Flexible forms
  • Low minimum premiums

Attachment Point


Limits On Product

Up to USD 5 million

Minimum Deductible

Not applicable

Minimum Premium

USD 15,000

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, 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, Brazil, Canada, China, Mexico, Switzerland, or written by XL Insurance Company SE are only available through non US-based brokers. The Insurance companies of XL Group Ltd are: Catlin Insurance Company, Inc., Catlin Indemnity Company, Catlin Specialty Insurance Company, Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company, XL Bermuda Ltd, XL Insurance Company SE, XL Insurance Switzerland Ltd, XL Insurance (China) Company Limited, XL Seguros Brasil S.A. and XL Insurance Mexico SA de CV. Coverages placed with Lloyd’s Syndicate #2003 are managed by Catlin Underwriting Agencies Limited and supported by XL Catlin corporate capital. Additional important information regarding our business is provided on our Legal Notices page.

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