XL Insurance America, Inc. / XL Specialty Insurance Company / AXA XL Insurance Company Americas (USA) (AXA group (France))
CyberRiskConnect (US)
Proactive Cybersecurity Assessment Suite
by XL Insurance America, Inc. / XL Specialty Insurance Company / AXA XL Insurance Company Americas (USA)
B2BA+Direct—Broker onlyGlobalEnglish
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Bespoke.
Market Focus
Mid-market to large enterprise.
Coverage
Cyber crime / FTF, GenAI coverage
AM Best Rating
A+ (Superior) – AM Best; also S&P AA- / Fitch AA- / Moody's A1 (XL Insurance Company SE / AXA XL core entities)
MGA / Direct
No – Direct insurer.
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned). Carve-back: cyber attacks intended to further social, ideological, religious or political objectives (cyber terrorism) remain covered.
Geographic Scope
Global.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- US underwriting entities (confirmed from axaxl.com/insurance/products/cyber-insurance-international, Apr 2025):
- Admitted: XL Insurance America, Inc. / AXA XL Insurance Company Americas / Greenwich Insurance Company.
- E&S/surplus lines: Indian Harbor Insurance Company / XL Specialty Insurance Company / T.H.E. Insurance Company.
- Also via Lloyd's Syndicate #2003 (placed by Catlin Canada Inc.).
- Product: CyberRiskConnect — same policy form TRD 050 0619 (X.L. America, Inc.).
- Standard coverage: Technology Products & Services, Professional Services, Media, Privacy & Security, Data Breach Response (18-month), BI & Extra Expenses, Data Recovery, Cyber Extortion/Ransomware.
- Privacy Regulatory: defence costs AND fines/penalties (civil monetary fines from regulatory actions).
- Territory: worldwide except OFAC-barred countries.
- Endorsements available: PCI Fines, Cyber Crime (social engineering/FTF), System Failure, Dependent BI, Bricking, Voluntary Shutdown, Utility Fraud/Cryptojacking, Consequential Reputational Loss, Generative AI (2024).
- July 2025: Proactive Cybersecurity Assessment Suite for North America policyholders (Fenix24 partnership): Ransomware Backup & Resiliency, Network Architecture, Identity & Access assessments at discounted flat rate through 2025.
- April 2025: SME expansion — dedicated Americas hire for SME cyber.
- Nov 2025: New head of US cyber portfolio; strategic growth focus.
- Oct 2024: Generative AI endorsement launched.
- Vendor panel: Kennedys, CMS, Clyde & Co, DAC Beachcroft (legal); S-RM, Fenix24, Kroll, Consilio, Arete (IR/data recovery); Experian (notification); S-RM, CrowdStrike, Kroll, Arete (forensics); Baker Tilly, MDD (forensic accounting); FleishmanHillard (PR).
Limitations
- SME offering expanded (Apr 2025) but mid-market to large enterprise remains primary focus.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
+1 404 905 8943 (24/7/365 — confirmed from policy form and product sheet)
Broker Contact