Euler Hermes’ Excess of Loss (XoL) service is designed to protect businesses with strong credit management practices against exceptional losses so that they can continue to grow and succeed. It is our response to the growing global demand to see strong trade credit management rewarded while achieving balance sheet protection against exceptional credit losses.
We base our XoL policy on the client’s existing trade credit management procedures, and customize each policy to meet the business needs.
  • Non-cancellable cover for 12 months
  • Risk share
  • Large discretionary credit limit
  • Group buyer limits
  • One dedicated point of contact for commercial and risk matters
  • Can be part of a hybrid solution with other Euler Hermes products
  • Single point of contact for both risk and commercial decisions
  • High discretionary credit limit supports the business's credit management and reduces administration
  • Combines the flexibility of an Excess of Loss policy with Euler Hermes’ strong risk knowledge
  • Ability to participate in syndications with other insurers
  • Hybrid solutions combining XoL with other credit insurance policies
  • Ability to front for and retrocede from reinsurance of captive
  • Enables capital relief for funder