Serving those who require balance sheet protection against exceptional credit losses, our XoL solutions are designed for multinational companies with strong and mature credit risk management, capable of absorbing a greater share of risk. The policy features non‑cancellable credit limits and country limits for 12 months. XoL can be an extremely effective tool in helping companies to retain greater independence, rely on secure and stable cover and enhance operational performance. It leverages international risk management with high discretionary limit (DCL) and low policy administration and harmonises bad debt protection worldwide.