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Our Business
The XL group of companies is comprised of four main business segments - Insurance, Reinsurance, Life Operations and Other Financial Lines. These are supported by Investments and Global Business and Corporate Services.

On a global level, our companies enjoy strong relationships with the world's leading brokers, and, at a local level, with the best regional and independent brokers. Depending upon the type of product they seek and their geographical location, customers may access XL companies through retail and wholesale brokers. In certain jurisdictions they may also access our companies directly.
Insurance

XL Insurance companies offer a wide range of commercial property, casualty, professional and specialty risk products and services on a global basis for the world's largest and fastest growing companies. With a strong financial rating and experienced underwriters, XL Insurance companies often lead large, complex or challenging risk programs offering stand-alone or integrated approaches to managing and transferring risk.
Reinsurance

The XL Re companies are ranked amongst the 12 largest reinsurers in the world and clients include most of the world's 500 leading insurance companies. The XL Re brand unites XL's global reinsurance companies under a single banner. XL Re's geographically-focused operations offer customers the broadest ranges of highly-rated and facultative products in the industry, and a network of highly experienced underwriters.
Investments

XL Capital Ltd and its subsidiaries, including XL Investment Management Ltd, XL Investment Management (USA) LLC and XL Capital Investment Partners Inc., provide investment advice and services to XL Capital Ltd related entities. XL has a conservative investment philosophy. The majority of its portfolio is invested in fixed income securities and has an average credit rating of AA.
Corporate

Global Business and Corporate Services are the network of systems and people that enable the XL group of companies to efficiently deliver local services in the global marketplace. They are responsible for XL's finance, legal, real estate, human resources, marketing and communication strategies, as well as development of the Company's culture and corporate social responsibility programs.

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