Excess/Umbrella Casualty (Surplus Lines) - North America
XL Catlin’s Umbrella and Excess Casualty team has the underwriting expertise to help you manage virtually any risk. We offer a unique mix of superior products, unmatched flexibility and outstanding client service.

Product details


  • Lead umbrella: up to USD 10 million
  • Excess: up to USD 25 million


  • Commercial umbrella: standalone
  • Commercial umbrella: A/B form (over our own primary only)
  • Excess occurrence follow-form
  • Excess claims-made follow-form

Client Profiles

  • Industrial or Commercial Products
    • Component parts manufacturers
    • Construction equipment
    • Farm machinery and related equipment
    • Industrial machinery manufacturers
    • Medical products (non-invasive)
    • Packaging manufacturers
    • Pipe manufacturers (not including PVC and polypropylene pipe)
    • Small chemical manufacturers and distributors
    • Valve manufacturers and distributors
  • Consumer-Related Products
    • Auto component parts manufacturers and distributors (non-critical)
    • Exercise equipment manufacturers and distributors
    • Fire safety equipment
    • Food and beverage manufacturers
    • Furniture manufacturers
    • Household appliance manufacturers and distributors
    • Playground equipment manufacturers and distributors
    • Sporting goods (not including helmet manufacturers)
    • Toys
  • Contractors
    • Commercial general contractors
    • Residential contractors (high-end home builders preferred)
    • Specified projects and practice policies
    • Trade/artisan contractors (HVAC, roofers, painters, street and road, etc.)
  • Service
    • Fireworks exhibitions
    • Health and exercise clubs
    • Security guards
  • Premises
    • Bars and taverns including liquor
    • Commercial buildings (sprinklered)
    • Hotels and resorts including high-rise, sprinklered buildings
    • Motels
    • Restaurants including liquor
    • Shopping centers/retails stores

Typical Information Required

ACORD applications, supplemental application (where applicable), website address, schedule of underlying insurance, and loss information (including five years currently valued loss runs)

Benefits & Services

  • Broad appetite for distressed and hard-to-place risks
  • Dedicated claims expertise
  • Non-admitted paper

Attachment Point

Lead umbrella

  • General liability: USD 1 million / 2 million /2 million
  • Automobile liability: USD 1 million, combined single limit
  • Employers liability: USD 500,000 / 500,000 / 500,000
  • Excess - Within first USD 100 million preferred

Minimum Premium


  • USD 25,000

Per million:

  • First USD 25 million: varies
  • Above USD 25 million: USD 1,500

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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