XL Insurance America, Inc.: Customer Ratings & Reviews [2024]

A thorough examination of XL Insurance America, Inc., this article explores the company's history, mission, product offerings, cost, and customer reviews, providing valuable insights for those seeking a comprehensive and reliable insurance provider.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jun 14, 2024Fact Checked
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XL Insurance America, Inc.

Average Monthly Rate For Good Drivers

$94

A.M. Best Rating:

A+ (Superior)

Complaint Level:

Low

Pros

  • Competitive pricing
  • Wide range of coverage options
  • Excellent customer service
  • Convenient mobile app and online account management
  • Multiple discounts available

Cons

  • Limited availability in some states
  • May not offer the lowest rates for drivers with a poor driving history
  • Discounts may vary by state and policy
Are you looking for reliable and trustworthy insurance coverage for your home, business, or professional practice? Look no further than XL Insurance America, Inc. With over a century of experience, XL Insurance America, Inc. has established itself as a leading provider of property and casualty insurance, professional liability insurance, environmental insurance, aviation insurance, marine insurance, surety bonds, and other insurance products. In this article, we'll take a closer look at what XL Insurance America, Inc. has to offer and what sets them apart from other insurance providers.

The article provides a comprehensive review of XL Insurance America, Inc., an insurance company that offers a wide range of insurance and reinsurance solutions to businesses and individuals across the globe.

The article outlines the company’s history, mission, and the main products and services it offers, as well as the cost of those services and the states where they are available. Additionally, the article highlights the different types of discounts available to customers and includes a summary of customer reviews of the company.

Overall, the article offers valuable information for those looking for a reliable and comprehensive insurance provider.

What You Should Know About XL Insurance America, Inc.

Company Contact Information

  • XL Insurance America, Inc. 70 Seaview Avenue Stamford, CT 06902 Phone: (203) 964-4700 Website: www.xlcatlin.com

Related Parent or Child Companies

  • XL Insurance America, Inc. is a subsidiary of XL Group Ltd.

Financial Ratings

  • XL Insurance America, Inc. has an A+ (Superior) rating from A.M. Best, indicating excellent financial strength and stability.

Customer Service Ratings

  • XL Insurance America, Inc. has not received an official rating from J.D. Power for customer satisfaction. However, the company has received positive customer reviews for its excellent customer service.

Claims Information

  • XL Insurance America, Inc. offers a 24/7 claims reporting service that customers can access by phone or online. The company provides fast and efficient claims processing and has a reputation for handling claims fairly and promptly.

Company Apps

  • XL Insurance America, Inc. does not have a standalone mobile app for customers. However, customers can access their policy information and make payments through the company’s website or by phone.

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XL Insurance America, Inc. Insurance Coverage Options

XL Insurance America, Inc. offers a diverse range of insurance coverage options tailored to the needs of both businesses and individuals. Here’s a comprehensive list of their coverage offerings:

  • Property Insurance: XL Insurance America, Inc. offers a range of property insurance options, including commercial property insurance, marine and aviation insurance, and construction and engineering insurance.
  • Casualty Insurance: The company offers a variety of casualty insurance options, including general liability insurance, product liability insurance, and professional liability insurance.
  • Specialty Insurance: XL Insurance America, Inc. provides specialty insurance coverage for unique risks, such as cyber insurance, environmental insurance, and fine art insurance.
  • Workers’ Compensation Insurance: The company offers workers’ compensation insurance for employers to protect their employees against work-related injuries and illnesses.
  • Professional Insurance: XL Insurance America, Inc. provides professional insurance coverage for various professions, such as architects and engineers, lawyers, and healthcare professionals.
  • Auto Insurance: The company offers personal and commercial auto insurance coverage, including liability, collision, and comprehensive coverage options.
  • Excess and Umbrella Insurance: XL Insurance America, Inc. provides excess and umbrella insurance coverage to extend the limits of primary policies and protect against catastrophic losses.

XL Insurance America, Inc. distinguishes itself not only through its commitment to comprehensive coverage but also by understanding the evolving risks faced by clients. Whether it’s safeguarding property, managing liability, or addressing emerging challenges like cyber threats, XL Insurance America, Inc. stands as a reliable partner.

With a commitment to risk management and a portfolio of diverse coverage options, this insurer remains at the forefront of empowering individuals and businesses to face the future with confidence and resilience.

XL Insurance America, Inc. Insurance Rates Breakdown

Driver ProfileXLNational Average
Clean Record$108$119
1+ Ticket$133$147
1+ Accident$158$173
DUI$225$209
Poor Credit$186$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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XL Insurance America, Inc. Discounts Available

DiscountsXL
Anti Theft6%
Good Student13%
Low Mileage10%
Paperless5%
Safe Driver13%
Senior Driver8%

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Unlocking savings on your insurance coverage is not just a possibility but a reality with XL Insurance America, Inc. Recognizing the importance of affordability, the company goes beyond protection, offering a range of discounts to make quality insurance accessible.

In this exploration, we delve into the discount options provided by XL Insurance America, Inc., ensuring you can maximize your coverage while minimizing costs.

  • Multi-policy Discount: Customers can save on their insurance premiums by bundling multiple policies with XL Insurance America, Inc.
  • Safe Driver Discount: Customers who have a good driving record and have completed a defensive driving course may qualify for a safe driver discount.
  • Homeowner Discount: Customers who own a home may qualify for a discount on their insurance premiums.
  • Anti-Theft Device Discount: Customers who install anti-theft devices in their vehicles may qualify for a discount on their car insurance premiums.
  • Good Student Discount: Customers who are students and maintain good grades may qualify for a discount on their car insurance premiums.
  • Group Discount: XL Insurance America, Inc. offers discounted rates to members of certain professional organizations and affinity groups.
  • Loyalty Discount: Customers who have been with XL Insurance America, Inc. for a certain number of years may qualify for a loyalty discount on their premiums.

XL Insurance America, Inc. doesn’t just provide comprehensive coverage; it empowers you to save smartly. The variety of discounts offered reflects the company’s commitment to making insurance affordable without compromising quality.

Whether you’re safeguarding your home, vehicle, or business, these discounts serve as a testament to XL Insurance America, Inc.’s dedication to ensuring that financial prudence and robust protection go hand in hand.

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How XL Insurance America, Inc. Ranks Among Providers

XL Insurance America, Inc. operates in a highly competitive insurance market. Here are some of the company’s main competitors:

  • AIG (American International Group): AIG is one of the largest insurance companies in the world, offering a range of products and services, including property and casualty insurance, life insurance, and retirement products.
  • Chubb: Chubb is a global insurance company that provides a range of insurance products, including property and casualty insurance, accident and health insurance, and reinsurance.
  • Liberty Mutual: Liberty Mutual is a diversified insurance company that offers a range of insurance products, including auto insurance, home insurance, and business insurance.
  • Travelers: Travelers is a leading provider of property and casualty insurance for businesses, as well as personal insurance products like auto, home, and renters insurance.
  • Zurich Insurance Group: Zurich is a global insurance company that offers a range of products and services, including commercial and personal insurance, life insurance, and retirement products.

While XL Insurance America, Inc. faces stiff competition from these and other insurance companies, it distinguishes itself by offering a range of specialty insurance products and services, as well as a commitment to customer service and risk management solutions.

Read more: Xl Specialty Insurance Company: Customer Ratings & Reviews

XL Insurance America, Inc. Claims Process

Ease of Filing a Claim

XL Insurance America, Inc. understands the importance of convenience. Policyholders can file claims through multiple channels, including online submissions, over-the-phone assistance, and utilizing any available mobile apps. This flexibility ensures that customers can choose the method that suits them best, streamlining the initial steps of the claims process.

Average Claim Processing Time

The speed at which an insurance company processes claims can significantly impact the overall experience for policyholders. XL Insurance America, Inc. prides itself on prompt and efficient claim processing. The company aims to minimize the time between claim submission and resolution, providing policyholders with timely assistance during challenging situations.

Customer Feedback on Claim Resolutions and Payouts

The real test of an insurance provider lies in its ability to deliver on promises when it matters most. XL Insurance America, Inc. values customer feedback on claim resolutions and payouts. Insights from policyholders help the company continuously improve its processes, ensuring fair and satisfactory outcomes.

XL Insurance America, Inc. Digital and Technological Features

Mobile App Features and Functionality

XL Insurance America, Inc. provides a mobile app equipped with features designed to empower policyholders. The app offers functionalities such as policy management, claims tracking, and communication with customer support. This mobile solution is tailored to provide on-the-go access, ensuring that customers can manage their insurance needs with ease from their smartphones.

Online Account Management Capabilities

The company understands the need for convenient online account management. Policyholders can access and manage their accounts through a user-friendly online portal. This portal allows customers to review policy details, track claims, update information, and explore additional services, providing a comprehensive and accessible platform for managing insurance-related activities.

Digital Tools and Resources

XL Insurance America, Inc. invests in a suite of digital tools and resources to empower its customers. Whether it’s educational resources, risk assessment tools, or interactive content, the company strives to provide policyholders with valuable digital assets. These resources go beyond traditional insurance services, offering a holistic approach to customer engagement in the digital space.

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Frequently Asked Questions

What is XL Insurance America, Inc.?

XL Insurance America, Inc. is an insurance company that offers a wide range of insurance products and services to businesses and individuals. It operates as part of the XL Catlin group, which is now a part of AXA XL, a division of AXA.

What types of insurance coverage does XL Insurance America, Inc. offer?

XL Insurance America, Inc. offers various insurance coverage options tailored to the needs of businesses and individuals. Some key coverage areas include property insurance, casualty insurance, professional liability insurance, cyber insurance, and reinsurance solutions.

How can I get a quote for insurance from XL Insurance America, Inc.?

Customers can request a quote from XL Insurance America, Inc. by contacting the company directly or visiting their website and filling out an online quote request form.

How can I obtain insurance coverage from XL Insurance America, Inc.?

To obtain insurance coverage from XL Insurance America, Inc., you can follow these general steps: request a quote, review coverage options, customize your policy, and complete the application process.

What financial ratings does XL Insurance America, Inc. hold?

XL Insurance America, Inc. has an A+ (Superior) rating from A.M. Best, indicating excellent financial strength and stability.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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