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Coverage
A. Occurrence Reported
Integrated Occurrence coverage
Punitive Damages explicitly covered
Broad Pollution wording
Broad Personal Injury definition
Secondary Products Recall generally included
Policy is triggered by insured’s reporting of occurrence to XL Insurance (Bermuda) Ltd
Continuous policy
Unlimited Discovery available at pre-determined cost
B. Claims-made coverage available for certain industry groups
C. Follow-form Aegis coverage available for Utilities, Pipeline companies
D. Occurrence coverage available for certain industry groups with no apparent latency issues.
CLIENT PROFILE
Fortune 1000 and 2000 companies
No excluded industry classes except for major pharmaceuticals
Geographic Focus
Worldwide, including North American domiciled and publicly traded companies with worldwide exposure.
Typical Attachment Point
US $25 Million
Minimum Premium
US $2,000 per million, US $100,000 per contract /US $50,000 per Occurrence
Including but not limited to:
01 - Agricultural Production - Crops
02 - Agricultural Production - Livestock and Animal Specialties
07 - Agricultural Services
08 - Forestry
10 - Metal Mining
12 - Coal Mining
13 - Oil and Gas Extraction
14 - Mining and Quarrying of Nonmetallic Minerals, Except Fuels
15 - Construction - General Contractors & Operative Builders
16 - Heavy Construction, Except Building Construction, Contractor
20 - Food and Kindred Products
22 - Textile Mill Products
23 - Apparel, Finished Products from Fabrics & Similar Materials
24 - Lumber and Wood Products, Except Furniture
25 - Furniture and Fixtures
26 - Paper and Allied Products
27 - Printing, Publishing and Allied Industries
28 - Chemicals and Allied Products
29 - Petroleum Refining and Related Industries
30 - Rubber and Miscellaneous Plastic Products
32 - Stone, Clay, Glass, and Concrete Products
33 - Primary Metal Industries
34 - Fabricated Metal Products
35 - Industrial and Commercial Machinery and Computer Equipment
36 - Electronic & Other Electrical Equipment & Components
37 - Transportation Equipment
38 - Measuring, Photographic, Medical, & Optical Goods, & Clocks
39 - Miscellaneous Manufacturing Industries
40 - Railroad Transportation
41 - Local & Suburban Transit & Interurban Highway Transportation
42 - Motor Freight Transportation
44 - Water Transportation
46 - Pipelines, Except Natural Gas
47 - Transportation Services
48 - Communications
49 - Electric, Gas and Sanitary Services
50 - Wholesale Trade - Durable Goods
51 - Wholesale Trade - Nondurable Goods
52 - Building Materials, Hardware, Garden Supplies & Mobile Homes
53 - General Merchandise Stores
54 - Food Stores
55 - Automotive Dealers and Gasoline Service Stations
56 - Apparel and Accessory Stores
57 - Home Furniture, Furnishings and Equipment Stores
58 - Eating and Drinking Places
59 - Miscellaneous Retail
65 - Real Estate
70 - Hotels, Rooming Houses, Camps, and Other Lodging Places
73 - Business Services
75 - Automotive Repair, Services and Parking
76 - Miscellaneous Repair Services
79 - Amusement and Recreation Services
80 - Health Services
82 - Educational Services
83 - Social Services
84 - Museums, Art Galleries and Botanical and Zoological Gardens
87 - Engineering, Accounting, Research, and Management Services
Disclaimer
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions, including without limitation any jurisdictions within the United States, and may be available only through appropriately licensed producers. Note: Products subject to legal and underwriting requirements. Specific product availability varies by global jurisdiction.
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