Integro Insurance Brokers hasintroduced XS Plus, an analytical model that quantifiesthe value of an excess liability insurance program that clients useto minimize their exposure to catastrophic risk. “A lot of ourclients are interested in justifying their risk transferdecisions,” explains Ben Fidlow, managing principal and head ofIntegro's risk modeling and actuarial practice. XS Plus–short forProgram Limit and Underlying Structure–compares a client's losshistory to a database of loss histories of similar companies insimilar industries. Based on this comparison, Integro can useactuarial processes to simulate the number of claims and the costof each claim that the client will likely file under an upcomingcontract for excess liability coverage. By combining simulationoutcomes with client-specific financial analysis, Integro canassign an explicit dollar value to each layer of a client's excessliability insurance.


XS Plus is the latest in a series of proprietary tools developedby Integro under its IntegroMetrics operating philosophy. “It's ourphilosophy to assist our clients on factual-based analysis of risk,and not use pure benchmarking, which in many cases is notapplicable,” says Fidlow. “Every company is different, withdifferent risk exposures and different risk tolerances.”

Complete your profile to continue reading and get FREE access to Treasury & Risk, part of your ALM digital membership.

  • Critical Treasury & Risk information including in-depth analysis of treasury and finance best practices, case studies with corporate innovators, informative newsletters, educational webcasts and videos, and resources from industry leaders.
  • Exclusive discounts on ALM and Treasury & Risk events.
  • Access to other award-winning ALM websites including and

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.