We believe in responsiveness, innovative coverage and fair and efficient claims handling. We intend to be the best at what we do. That's why we have among the highest service standards in the industry, including standards for quote turnaround time, policy issuance, claims resolution and access to staff.
 
The appropriate use of capacity is a crucial element in our underwriting philosophy. XL's capacity helps to make us a significant player within the professional liability marketplace.

We emphasize the importance of determining an appropriate limit of liability for each risk as an integral part of the underwriting process. By responsibly managing committed capital we preserve our capacity as the most stable and reliable source for professional and management liability insurance in the industry.

The concept of cost of capacity drives the availability of our limits on a given account. Pricing of limits must always reflect full consideration of the exposure, including the attachment point, deductibles, individual risk characteristics and breadth of coverage provided.

We guard our capacity by offering appropriate limits on risks of greatest exposure, at prices which reflect such risk. Judicious use of limits is a key to success. Our steadiness in a fluid marketplace sets us apart from the competition. Adhering to this principle enables us not only to maintain our financial strength, but to build our reputation as among the most stable, consistent underwriters in the professional liability marketplace.