Excess & Umbrella Liability (Upper Middle Market)
In a market where service and responsiveness matter, XL Catlin partners with clients to address their exposures, deploying capacity for solid protection.

XL Catlin’s Umbrella and Excess Liability Insurance protects the insured’s assets from catastrophic loss beyond the limits of their primary insurance program or self-insured retention (SIR).

Product details


  • Lead Umbrella: up to USD 25 million
  • Excess Liability or ventilated: up to USD 50 million


  • Commercial Umbrella Policy Form
  • Commercial Excess Follow Form and Umbrella Liability Policy (A/B - Disaster Response included)
  • Excess Liability Policy

Client Profiles

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

We will consider classes not listed here. Have an opportunity? Please call us. We’re happy to talk with you about it. Personally.

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

  • Significant A rated capacity
  • Admitted in 50 states; Non-admitted paper available
  • Dedicated underwriting and claims expertise
  • Global and local network
  • Broad underwriting expertise
  • Industry supplement endorsements for
    • Grocers
    • Hospitality
    • Real Estate
    • Restaurants
    • Retail

Attachment Point

  • GL: USD 1 million each occurrence / 2 million general aggregate
  • 2 million products completed operations aggregate
  • AL: USD 1 million combined single limit
  • EL: USD 1,000/1,000/1,000 We may consider USD 500/500/500 depending on size of risk. We may consider USD 500/500/500

Limits On Product

  • Up to USD 25M Lead Umbrella
  • USD 50M Excess Liability

Minimum Premium

  • Lead Umbrella: USD 25,000 for USD 25MM up to USD 500MM in revenue
  • Lead Umbrella: USD 37,500 for USD 25MM above USD 500MM in revenue
  • Excess Liability: USD 1,000 per million

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.

XL uses two forms of cookies on this site:

  1. to enable the site to operate and retain any preferences you set; and
  2. for analytics to make the site more relevant and easy to use.

These cookies do not collect personal information. For more information about our cookie usage, please click here. To comply with EU privacy laws you must consent to our use of cookies.

By using this site, you agree that we can place these types of cookies on your device. If you choose to change your cookie settings you will be presented with this message the next time you visit.