Excess Liability
XL Catlin provides best-in-class underwriting, claims and service plus significant capacity and multiple access points to meet the needs of national and multinational clients.

Product details


Up to USD 100 million


XL Catlin 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.

  • 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 Catlin
  • Continuous policy
  • Unlimited discovery available at pre-determined cost
  • Bermuda: in addition to above, follow-form Aegis coverage available for utilities and pipeline companies

Client Profiles

Here are examples of the industries we serve:

  • Consumer and Industrial Manufacturing
  • Financial Institutions
  • Food and Beverage
  • Grocers
  • Hospitality
  • Real Estate
  • Restaurants
  • Retail
  • Service Industries
  • Technology
  • Wholesale and Distributors Manufacturing

We have dedicated underwriting specialists for some of the most complex risks, including Construction, Energy, Healthcare, and Rail. We will consider classes not listed here. Please contact us.

Typical Information Required

  • Policy Terms/Coverages Required
  • Financials and Description of Operations
  • 5 years of Currently Valued Loss Information
  • Underlying Application, Coverage Terms, Conditions, Quotes or Equivalent Information

Benefits & Services

  • Global underwriting platform, including access points in Bermuda, Dublin, London, and Toronto; in the US—Boston; Chicago; Dallas; Exton, PA; Kansas City, MO; Los Angeles; 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
  • Lower attachments available for selected activities

Limits On Product

Up to USD 100 million

Minimum Premium


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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