We believe that developing the right corporate culture and values are essential to serving the best interests of our employees, our clients and our shareholders. The XL Culture has characteristics that not only differentiate us from our competitors but are central to any understanding of who we are. This solid cultural foundation, supported by a currency of trust, is shaped by our core values of Ethics, Teamwork, Excellence, Development, and Respect.

• Ethics - We insist on the highest standards of personal and professional conduct to secure the absolute trust and confidence of our clients, our shareholders and our colleagues.
• Teamwork - We achieve a greater contribution when we work together. We will recognize and reward teamwork.
• Excellence - We require continuous improvement in the quality of all that we do. We will reward those who continually seek to improve the quality of their work.
• Development - Ensuring that all of our staff realizes their full potential is the only way for us to reach our business objectives. We expect everyone to take the initiative for their own professional development and assist in the development of colleagues and subordinates
• Respect - We value and respect the differences and diversity within our organization. Lack of personal and professional respect in dealing with our colleagues will not be tolerated.