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This website is for general education only and is not intended to constitute an offer to solicit business.
For details of the legal notices and privacy policies governing the www.xlcatlin.com, www.xlgroup.com and www.catlin.com sites, please refer to the notices on the respective sites.
THE MATERIALS AND INFORMATION ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. XL Group plc ("XL," the "Company" or "we") and its related, affiliated and subsidiary companies disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page of this website is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your legal or tax advisor regarding your specific situation.
In no event shall XL Group plc and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental or consequential damages arising from the use of the information on this website.
Licenses and Regulatory Information
XL Group plc's insurance, reinsurance and financial products and services companies are licensed or otherwise approved to transact business in various countries and various states of the United States. All products and services referred to are subject to underwriting requirements. Certain products and services described on this website are not available to all users because of insurance regulatory restrictions. Availability varies by jurisdiction.
US-issued Insurance Policies
In the US, XL's insurance companies are Greenwich Insurance Company; Indian Harbor Insurance Company; XL Insurance America, Inc.; XL Insurance Company of New York, Inc.; XL Select Insurance Company and XL Specialty Insurance Company. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.
The information contained on this website is intended for informational purposes only. Insurance coverage in any particular case will depend on the type of policy in effect; the terms, conditions and exclusions in any such policy and the facts of each unique situation. We make no representation that any specific insurance coverage would apply in the circumstances outlined on this website. Please refer to the individual policy forms for specific coverage details.
XL London Market Ltd and Other Lloyd's Operations
US entities please note:
Underwriters at Lloyd's of London ("Underwriters") are licensed only in Kentucky, Illinois and the US Virgin Islands but are approved surplus lines insurers in all other US jurisdictions. Insurance policies issued by Underwriters are not protected or guaranteed by state insurance guaranty associations or insolvency funds.
Coverage is available through licensed surplus lines brokers or directly, subject to the limitations of your state's laws. Persons or companies seeking to obtain coverage directly should become familiar with state laws governing the placement of insurance risks with non-admitted insurers. A number of jurisdictions have industrial insured exemptions or large commercial insured exemptions, which govern direct placements. Typically, these require an insured to have a full-time insurance risk manager or a continuously retained insurance consultant and a minimum number of employees and amount of annual premium.
In many jurisdictions, direct and/or industrial insured placements are subject to reporting and taxation requirements. Generally, such requirements are the responsibility of the insured.
Because insurance laws governing surplus lines and direct and industrial insured placements vary among jurisdictions with regard to the requirements and obligations of the insured and any broker or consultant involved, you should carefully review a jurisdiction's laws before deciding which procedure to undertake.
Non-US entities please note:
Visit http://www.lloyds.com to see where Underwriters at Lloyd's of London are licensed.
Some of the links available to you through this website will direct you away from XL's website. XL Group plc cannot guarantee that the hyperlinks on this website will be accurate at the time of your access. Third-party websites accessed through these hyperlinks are developed and maintained by person(s) over whom XL Group plc has no control. We cannot and do not monitor the websites linked to from our website. Accordingly, XL Group plc assumes no responsibility for the content of any website referenced by any hyperlink or otherwise. XL Group plc believes that making available hyperlinks to publicly accessible websites and newsgroups is legally permissible and consistent with the common, customary expectations of those who use the Internet. These links are provided only for your convenience, and their inclusion does not constitute or imply our approval or endorsement of the websites or their content.
All intellectual property rights—including copyrights, database rights, first publication rights, patents, trademarks and know-how—on this website and in the content published on this website, unless otherwise indicated, are owned either by XL Group plc or its related, affiliated and subsidiary companies or made available to us under license by third parties. This website and all content published on this website, unless otherwise indicated, is protected by copyright. All trademarks and devices displayed on this website, unless otherwise indicated, are owned by XL Group plc companies and/or our licensors and may be registered in jurisdictions across the world. Except as provided below, any use or reproduction of these trademarks and devices is prohibited.
Subject to any prohibitions stated on third-party websites accessible via hyperlinks on the website, you may view the content published on this website and are welcome to print hard copies of material on it for your personal or internal business purposes. You are also entitled to download certain files from this website made available for this purpose, which you may then use for your personal or internal business purposes. All other copying is strictly prohibited.
XL Catlin is the global brand used by XL Group plc's insurance and reinsurance companies.
"XL," "Make Your World Go," "XL Group" and our logo are registered trademarks, together with the XL Catlin trademark, owned by XL Group companies and may be registered in jurisdictions across the world.
Press Releases and Investor Relations Materials
All press releases and other investor relations materials on this website speak only as of their original dates. These materials were, to the best of XL Group plc's knowledge, timely and accurate when issued. However, the passage of time can render information obsolete, and you should not rely on the continued accuracy of any such material beyond the date of issuance.
XL Group plc does not assume any duty of disclosure beyond that which is imposed by law and, except as required by law, expressly disclaims any responsibility to update any information set forth in its filings with the US Securities and Exchange Commission or contained in the other materials provided on this website. You should carefully check the dates of issuance of the materials contained on this website.
Terms for XL Group RSS feeds
Subject to the disclaimers in these legal notices, you may use the RSS feeds from our websites. The contents of our websites are protected by the relevant copyright laws and international copyright treaties, and all title, ownership and intellectual property rights remain the property of XL Group plc. We require proper attribution whenever you use contents from an XL Group website on your website. We may restrict, modify, suspend or terminate your access to these feeds, in whole or in part, at any time, without liability. We reserve the right to ask that you remove contents on your website that were derived, copied or otherwise adapted from our website.
You should be aware that the Internet, being an open network, is not secure. If you choose to send any electronic communications to us by means of this website (whether by means of email or messages posted on the website), you do so at your own risk. XL Group plc cannot guarantee that such communications will not be intercepted or changed or that they will reach the intended recipients safely.
XL Group plc will use all reasonable endeavors to ensure that this website is reasonably secure. However, we cannot guarantee that any information displayed on this website has not been interfered with without our consent.
Forward Looking Statements
Statements that are not historical facts—including statements about our beliefs, plans or expectations—are forward-looking statements. These statements are based on current plans, estimates and expectations, all of which involve risk and uncertainty. Statements that include the words "expect," "intend," "plan," "believe," "project," "anticipate," "will" or "may," or similar statements of a future or forward-looking nature, identify forward-looking statements. Actual results may differ materially from those included in such forward-looking statements, and therefore you should not place undue reliance on them. A non-exclusive list of the important factors that could cause actual results to differ materially from those in such forward-looking statements includes (a) changes in the size of XL's claims relating to natural or man-made catastrophe losses due to the preliminary nature of some reports and estimates of loss and damage to date; (b) trends in rates for property and casualty insurance and reinsurance; (c) the timely and full recoverability of reinsurance placed by XL with third parties or other amounts due to XL; (d) changes in ratings or rating agency policies and practices; (e) changes in the projected amount of ceded reinsurance recoverables; (f) XL's ability to successfully implement its business strategy, especially during a "soft" market cycle; (g) greater frequency or severity of claims and loss activity than XL's underwriting, reserving or investment practices anticipate based on historical experience or industry data; (h) changes in general economic conditions, including the effects of inflation and changes in interest rates, credit spreads, foreign currency exchange rates and future volatility in the world's credit, financial and capital markets that adversely affect the performance and valuation of XL's investments or access to such markets; (i) developments, including uncertainties related to the ability of eurozone countries to service existing debt obligations, the strength of the euro as a currency and the financial condition of counterparties, reinsurers and other companies that are at risk of bankruptcy and affect XL's business; (j) the impact of downgrades of US securities by credit rating agencies or the European sovereign debt crisis and the resulting effect on the value of securities in our investment portfolio or posted as collateral by and to us; (k) the potential for changes to methodologies, estimations and assumptions that underlie the valuation of XL's financial instruments that could result in changes to investment valuations; (l) changes to XL's assessment as to whether it is more likely than not that it will be required to sell, or changes to its intent to sell, available-for-sale debt securities before their anticipated recovery; (m) the ability of XL's subsidiaries to pay dividends to XL Group plc and XLIT Ltd.; (n) the potential effect of regulatory developments in the jurisdictions in which XL operates, including regulatory developments that could impact the financial markets or increase XL's business costs and required capital levels; (o) changes in applicable tax laws, tax treaties or tax regulations or the interpretation or enforcement thereof; and (p) the other factors set forth in XL's reports on Form 10-K, Form 10-Q and other documents on file with the Securities and Exchange Commission. XL undertakes no obligation to update publicly or revise any forward-looking statement, whether as a result of new information, future developments or otherwise.
XL intends to use this website as a means of disclosing material non-public information and complying with its disclosure obligations under Regulation FD. Any such disclosures will be included on the website in the Investor Relations section. Accordingly, investors should monitor the Investor Relations section of XL's website in addition to following its press releases, SEC filings and public conference calls and webcasts.
Entire contents copyright 1986–2012 XL Group plc All rights reserved.
Updated: March 29, 2012
1 Information we may collect about you
1.1 We may collect and process the following personal information about you:
(a) Information that you provide by filling in forms or upload to us.
(b) Information including your name, address, contact details, details relating to a proposal or a claim (which depending on the nature of the claim may include medical reports and reports of criminal convictions or crime) that you, your employer or organisation whom we insure or reinsure or a third party claimant provide to us in relation to the administration of an insurance policy that we insure or re-insure.
(c) Information relating to any criminal or fraudulent activities provided to us by you or third parties (such as law enforcement, anti-fraud agencies or other insurers).
(d) If you contact us, we may keep a record of that correspondence or details of any conversation we may have with you.
(e) Details of your visits to our website and information collected through cookies and other tracking technologies including, but not limited to, your IP address and domain name, your browser version and operating system, traffic data, location data, web logs and other communication data, and the resources that you access.
2 Uses made of your personal information
2.1 We may use your personal information in the following ways:
(a) to decide whether to enter into any proposed transaction with you or your employer or organisation that we insure or reinsure and to administer insurance or reinsurance products where you are the beneficiary or a person involved in any claim, including in certain circumstances, disclosing such information to third party anti-fraud and money laundering agencies for the purposes of detecting and preventing fraud and crime (as further set out in paragraph 3 below);
(b) to identify you and to carry out any identity checks as may be required by applicable law and regulation and best practice at any given time;
(c) to recover any payments due to us and where necessary to enforce such recovery through the engagement of debt collection agencies or taking other legal action (including the commencement and carrying out of legal and court proceedings);
(d) to analyse it in order to understand the service we provide and in order to improve our business.
(e) to monitor calls and transactions to ensure service quality, compliance with procedures and to combat fraud.
2.2 We may also use your information for marketing our own and selected third parties’ products and services to you by post, email, SMS, phone and fax and, where required by law, we will ask for your consent at the time we collect your data to conduct any of these types of marketing.
3 Disclosures to third parties
3.1 We may also permit selected third parties and agents to access your personal information, for the purposes set out in paragraph 2 above. Specific examples are set out in paragraphs 3.2 to 3.6 below. All such exchanges will be made in accordance with applicable laws.
3.2 If false or inaccurate information is provided and/or fraud is identified or suspected, details may be passed to fraud prevention and anti-money laundering agencies, law enforcement agencies or other insurers and may be recorded by us or by them.
3.3 We and other organisations may also access and use this information to prevent fraud and other crime, for example when:
(a) reviewing applications for products (as outlined in paragraph 2 above);
(b) deciding whether to make a payment to you under an insurance or reinsurance policy;
(c) taking steps to recover payments due and
(d) checking details of job applicants and employees.
3.4 We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries including outside the EEA.
3.5 We can provide the names and addresses of the agencies we may use to counter fraud or money laundering upon request.
3.6 We may disclose your personal information to third parties, the courts and/or regulators or law enforcement agencies in connection with enquiries, proceedings or investigations by such parties anywhere in the world or in order to enable XL Group to comply with its regulatory requirements or dialogue with its regulators as applicable.
3.7 In the event that XL Group (or a part thereof) is (i) subject to negotiations for the sale of its business or (ii) is sold to a third party or undergoes a re-organisation, you agree that any of your personal information which it holds may be disclosed to such party (or its advisors) as part of any due diligence process or transferred to that re-organised entity or third party and used for the same purposes or for the purpose of analysing any proposed sale or re-organisation.
4 Transmission, storage and security of your personal information
4.1 No data transmission over the Internet or website can be guaranteed to be secure from intrusion. However, we maintain commercially reasonable physical, electronic and procedural safeguards to protect your personal information in accordance with applicable data protection legislative requirements.
4.2 All information within our control is stored on our secure servers (or secure hard copies) and accessed and used subject to our security policies and standards. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Site or any other portal we operate, you are responsible for keeping this password confidential and for complying with any other security procedures that we notify you of. We ask you not to share a password with anyone.
4.3 Your personal information may be accessed by staff or authorized third parties and, transferred to, and/or stored at, a destination outside the European Economic Area (EEA) where the data protection laws may be of a lower standard than in the EEA. Regardless of location or whether the person is an employee or contractor we will impose the same data protection safeguards that we deploy inside the EEA.
5 Your rights & contacting us
5.1 Applicable data protection laws may give you the right to access certain personal information held about you. We will comply with our obligations to provide you with access to your personal information and to rectify any inaccuracies we are informed of in accordance with applicable data protection laws. Where permitted to do so, complying with your request may be subject to a fee to meet our associated costs.
5.2 We will use reasonable endeavours to ensure that your personal information is accurate. In order to assist us with this, you should notify us of any changes to the personal information that you have provided to us by updating your details by contacting us at the address below.
Post: Dawn Walsh
Chief Privacy Officer
XL Group plc
8 St. Stephen's Green
Tel: +353 1 607 5300
Fax: +353 1 607 5333
6 Our Cookies Policy
6.1 When you visit this website, we may collect usage information to help us understand how our website is navigated and used. This data does not include any personal information about you and is used only to measure and improve the effectiveness of our website.
6.3 We use session cookies, persistent cookies and Google Analytics.
6.4 Session cookies: Session cookies allow this website to link the various actions of a user during a browser session, including which pages the user visited before visiting this one. Session cookies expire when the browser session ends.
6.5 Persistent cookies: Persistent cookies are stored on a user's device in between browser sessions, storing information about the preferences or actions of the user across a site (or possibly across different XL Group websites).
6.7 In addition to the above cookies used by our website, cookies and other similar technologies may be deployed on websites hosted by third parties which this website provides links e.g. for published webcasts or written material. We cannot be held responsible for the use by those sites of cookies or similar technology.
6.8 We do not add your name to mailing lists unless you specifically request that we do so. We do not share, sell, lease or rent our mailing or customer lists to third parties. We may, however, use third parties to help us administer email alerts. If personally identifiable information (e.g., name, address, email address or telephone number) is provided to any of these third parties, we will require that such information be maintained by them in strictest confidence. We also continually assess new technology for protecting customer information.
6.9 We take the security of your personal information seriously and use secure servers and various other technological means to protect it.
6.10 XL Group plc respects your right to verify, amend and challenge the veracity of your personal data. If you have any concerns about this privacy statement or wish to review your personal data, please contact us.
8 XL Catlin Early Careers Recruitment - Your Personal Profile
The information you provide as part of your early careers recruitment (personal) profile, including information in attachments, will be used to administer a global recruitment service for XL Catlin. This will include notifying you of vacancies as and when they match with your profile and planning and monitoring recruitment campaigns such as XL Catlin’s group-wide early career programs. It is therefore your responsibility to ensure your information is kept accurate and up to date. This can be done during early career programs open periods via the following link: https://xlcatlincandidate.gradweb.co.uk/earlycareers2016/default.aspx
If you are applying for a position within the XL Catlin Development Program, XL Catlin Summer Internship Program, or XL Catlin Apprenticeship Program, please be aware that employees and associates of GradWeb Limited, a limited company whose registered office is at Mill Reef House, Cheap Street, Newbury, Berkshire RG14 5DD, will have access to your personal profile, via the Early Careers Recruitment Platform, in order to facilitate web site services required for XL Catlin.
If you have any questions regarding XL Catlin’s early career programs or the relationship with GradWeb please contact EmergingTalent@xlcatlin.com