Casualty - North America
XL Catlin offers customized primary casualty coverage to any company willing to retain no less than the first $250k of each and every risk.

Product details


  • Auto liability and General liability: up to USD 5 million
  • Workers’ compensation and excess workers’ compensation: statutory


Primary general liability, automobile liability and workers compensation for clients with sound risk management and who retain a significant portion of their risk through large deductible, self-insurance and captive reinsurance programs.

Client Profiles

Large US-based companies, including: Consumer Goods & Services, Industrial Goods & Services, Professional Services, Education and Public Sector.

Typical Information Required

  • Policy terms/coverage required
  • Description of operations and safety programs
  • Minimum five years loss history
  • Prospective and historical exposures
  • Employee census information
  • Two years financial statements
  • Actuarial reports, if available

Benefits & Services

  • Unbundled claims
  • Knowledgeable and experienced underwriting staff with authority close to the point of sale
  • Creative collateral and program structure solutions
  • Oversight of claims third-party administrators
  • Access to best-in-class vendors for claims handling and loss control services

Attachment Point


Limits On Product

  • Auto liability and General liability : up to USD 5 million
  • Workers’ compensation and excess workers’ compensation: statutory
  • Limits Up to USD 10 million
  • Program Parameters
  • Primary and excess coverage available
  • Attachment:
  • Minimum: USD 50,000 (on select classes)
  • Maximum: USD 25 million

Minimum Deductible

  • Auto liability and General liability: USD USD 100,000
  • Workers’ compensation: USD USD 250,000
  • Lower deductibles may be available

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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