XL Capital Ltd (XL) was founded in 1986 as EXEL Limited by 68 of the world's largest global corporations in response to a severe shortage of liability insurance in the United States. The XL Capital group of companies is comprised of three main operating segments – Insurance, Reinsurance and Financial Products and Services.
The insurance segment encompasses the company’s property and casualty insurance business globally. Branded as XL Insurance, the segment offers commercial property and casualty insurance products, primarily in Europe, North America and Bermuda.

The reinsurance segment, branded as XL Re, is organised on a geographical basis, reflecting the locations of the insurance and reinsurance companies that purchase property, casualty and life reinsurance coverage from the company.

The Financial Products and Services segment, branded as XL Financial, comprises financial guarantee insurance and reinsurance, institutional life and annuity products, and weather and risk management.

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