Umbrella/Excess Program (Delegated Authority) - North America
XL Catlin's North America programs unit offers supported or mono-line umbrella/excess programs for various industries to program administrators who have unique industry skills, specialized underwriting talent and a proven record of success managing books of program business.

Product details


Most programs: USD 3 million


  • Umbrella (lead)
  • Umbrella (excess)
  • Follow form excess liability

Client Profiles

  • Program administrators with a special knowledge of or unique distribution for umbrella, excess or follow form excess accounts
  • Program emphasis on guaranteed cost business

Typical Information Required

  • Executive summary
  • Market focus
  • Background and experience
  • Program overview
  • Product offering
  • Premium projections
  • Territory
  • Limits requested
  • Historical premiums by line by state (five or more years)
  • Currently valued losses by line (five or more years)
  • Production source


  • Underwriting process and relationship with current carrier
  • Management of the underwriting cycle
  • Current environment


  • Marketing plan
  • Value proposition
  • Position in industry

Competitive environment:

  • Key competitors
  • Position in market

Pricing strategy:

  • Historical rate change


  • Breakdown by service

Benefits & Services

  • Dedicated program management team
  • Flexible and innovative program solutions
  • Streamlined policy administration system
  • Commitment to building and sustaining long-term partnerships

Information & Research

Attachment Point

USD 1 million

Limits On Product

Most programs: up to USD 5–10 million

Minimum Premium

USD 3.5 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.

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