Published on March 13, 2014
© 2013, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO ABOUT INSURANCE
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO About XL Group plc • A publicly traded company on the NYSE (stock ticker: XL) • Shareholders‟ Equity of $11.4 billion* • $45.7 billion Assets* • Through our subsidiaries, we provide: • Insurance and Reinsurance • Specialized commercial risk management solutions *As of December 31, 2013
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO XL‟s insurance operations • Multiple legal entity platforms worldwide, including Lloyd‟s • Offices in 22 countries and the ability to write business in approximately 140 countries • Four Business Units Global Professional D&O E&O Fiduciary EPL Crime Cyberliability Design Professional Global Specialty Lines Aerospace Marine Inland Marine Fine Art & Specie Equine Crisis Management Political Risk & Trade Credit North America Property & Casualty Primary Casualty Property Multinational Casualty XL GAPS Excess Casualty Construction Environmental Surety Programs Surplus Lines International Property & Casualty Property Casualty (general, energy (primary & excess) & construction) Upper Middle Environmental Markets
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Financial Strength • The XL Group plc‟s Insurance and Reinsurance operating companies have one or more of the following financial strength ratings: Insurance and Reinsurance operating companies Financial Strength Ratings A.M. Best A Moody’s A2 Fitch A S&P A+ Financial Strength Ratings (FSR) Last rating action: October 30, 2013
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO 1986 1990 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 • XL Specialty (Intercargo) • Environmental (ECS) • NAC Re • Le Mans • XL Europe (Dublin) • Winterthur International • XL Programs Business Unit • XL Insurance Company (Bermuda) Ltd • Professional E&O • US Risk Management • US & CE Fine Art & Specie Our Development • XL Select Professional • Design Professional (DPIC) • XL Professional (Hartford) • XL London Markets (Brockbank) • XL Aerospace (BIS) • Global Asset Protection Services (XL GAPS) • XL E&S • Argonaut (US Risk Management) Marine & Offshore Energy • XL Insurance (China) Company Limited • US Construction • XL Surety • Licensed to open Brazil insurance operations XL Marks 25th Anniversary XL Upper Middle Market XL Opens Singapore Office Original Franchise Acquisitions Growth & Integration Consolidation and Right Size
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Insurance Leadership Team (ILT) Chief Executive, Insurance Operations Greg Hendrick North America P&C Joe Tocco International P &C Jason Harris Specialty Neil Robertson Professional Bernie Horovitz Claims Andy Pinkes Finance Chris Dougherty HR Dave Vavrasek Risk Mgmt Fid Norton Actuarial Susan Cross Platform Myron Hendry
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO XL‟s Mix of Insurance Business 2013 GPW -- $5.52 billion 27% 16% 32% 25% Professional Specialty North America P&C International P&C
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO 2013 Financial Results for XL‟s Insurance Segment 2013 (12 months ended December 31, 2013) Gross Premiums Written $5.52 billion Net Premiums Written $4.15 billion Net Premiums Earned $4.27 billion Loss Ratio 66.3% Combined Ratio 97.1%
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO 4Q 2013 Financial Results for XL‟s Insurance Segment 4Q 2013 (Three months ended December 31, 2013) Gross Premiums Written $1.29 billion Net Premiums Written $922.1 million Net Premiums Earned $1.07 billion Loss Ratio 65.2% Combined Ratio 96.7%
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Our Growth 3.7 4.4 4.3 4.2 4.1 4.0 3.3 3.5 3.7 4.1 4.2 1.5 1.5 1.5 1.4 1.3 1.3 1.0 0.9 1.1 1.1 1.4 5.2 5.9 5.8 5.6 5.4 5.3 4.3 4.4 4.8 5.2 5.5 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 $bn • Continued growth and full recovery from 2008 – 2009 market fallout • Transformation from niche excess player to global commercial company through tactical and organic growth • Continued global growth • Nearly half of gross premiums produced from international (non- US) operations Net Premiums Written Ceded Premiums Written 10-Year Trend: NPW and CPW
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Our Capacity Property Up to US $300M 100% Property Up to US $750M Casualty Up to US $75M Professional D&O Up to US $50M E&O Up to US $25M Specialty E&O Up to US $10M Specialty Aviation Up to US $250M Environmental Standard limits of US $50M Equine Up to US $6M Fine Art & Specie Up to US $150M Marine Standard limits of US $50M Offshore Energy Up to US $75M Access to up-to-date insurance product information at xlgroup.com/insurance
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Our Claims Excellence through XL GlobalClaim • XL GlobalClaim provides a consistent claims management approach across all XL product lines • Full range of claims processing transactions – from first notification of loss through final payment • Customers can immediately retrieve claims and risk control information • Provides enhanced data with state-of-the-art financials, notes, statistical, report collection and analytics • Recognized with several industry awards: • Earned Celent‟s 2013 Model Insurer of the year • 2012 Technology Award at the British Insurance Awards • Highly commended at the UK Claims Excellence Awards – „Claims Technology Initiative of the Year‟ (2012)
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Our Culture: A Different Kind of Company • Approximately 4000 employees • The perfect size • Big enough for global reach, but small enough to stay flexible • Flat organization structure promotes quick and nimble response to clients‟ needs • 50% of Fortune 1000 are our clients • 2/3 of FTSE 100 are our clients • Innovative approach for insurance solutions • Ranked #2 on Advisen‟s 2013 Innovation Index for leading companies with new products • Announced 23 new products or enhancements in 2013 • Recognized expertise across all lines of business
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO 4Q 2013 Innovation Highlights • North America P&C’s Property team extended its Up+Running equipment breakdown coverage with new enhancements to boost protection against food processing and cold storage risks • North America Construction teamed up with American Contractor‟s Insurance Group (ACIG), a thought leader in quality management, to help construction clients enhance the quality of their work, deliver projects on time and prevent costly mistakes using data and analytics • International Construction introduced new “Construction Protection Intégrale” product which goes beyond the usual “Dommages ouvrage” (DO) coverage offered in the French market • Bermuda Insurance Excess Casualty Unit and Aon Risk Solutions introduced a stand-alone, integrated occurrence product called Catastrophic Integrated Occurrence to provide catastrophe coverage for the healthcare industry
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Our Strengths • Strong balance sheet and significant capacity • An integrated global platform to provide clients with insurance coverage in over 140 countries through XL offices and fronting partners worldwide • Focused on providing the best answers for your business, not just capacity • Responsible underwriting • Well diversified by product and geography • A market leader in each of the lines in which we compete • Our culture - the perfect mix
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Our Values Do it right Remember that moving the world forward starts with you. Be honest. Be professional. Be ethical. Think globally and locally. And don‟t just respect people‟s differences – embrace them. Make it better, together Always stay on the lookout for new ways to develop and make it better. Be open to the new. Go deeper, and work together to get it right. And do it all with the speed, precision and excellence, that we‟re famous for. Whatever you know, know that there‟s always more to learn. And whenever something feels finished, get ready to make it better. Again. XLit Add imagination and instinct to solid logic and wisdom. It‟s the combination that will help give us products that move the world forward. It‟s the combination that makes XL different from anywhere else. Turn ideas on their head, do something that hasn‟t been done. Find that XL Balance.
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Our goals for social values • Support and build strong and productive communities where individuals can learn and contribute • Raise awareness of social needs • Make sure sustainable thinking is built into everything we do • Support employees who want to volunteer, donate, be sponsored • Annual Global Day of Giving – since 2006 • Company-wide employee volunteer day • Employees have donated more than 130,000 hours of community service to hundreds of charitable projects in various locations worldwide. • Since inception in 2006, when XL celebrated its 20th anniversary, the Global Day of Giving has grown with
© 2013, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO THANK YOU
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO About XL Group plc • XL Group plc, through its subsidiaries, is a global insurance and reinsurance company providing property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises throughout the world. • XL Group plc‟s insurance companies offer property, casualty, professional and specialty insurance products globally. Businesses that are moving the world forward choose XL as their partner. To learn more, visit xlgroup.com/insurance. • XL Group plc„s reinsurance companies are among the world‟s leading reinsurers. They offer products that include aerospace, property, casualty, marine and specialty. The world‟s top insurers choose XL to help move their businesses forward. To learn more, visit xlgroup.com/reinsurance. • We are the organization clients look to for answers to their most complex risks and to help move their world forward. To learn more, visit xlgroup.com
© 2014, XL Group plc companies. All rights reserved. I MAKE YOUR WORLD GO Legal Disclaimer US • In the US, the insurance companies of XL Group plc 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 herein is intended for informational purposes only. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy forms for specific coverage details.
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