What type of insurer could help Xavier's company mitigate financial risk from large-scale disasters?

The correct choice for helping Xavier's company mitigate financial risk from large-scale disasters is an excess insurer. An excess insurer provides coverage that goes beyond the limits of an underlying insurance policy, which is particularly useful for businesses looking to protect themselves against catastrophic losses. These insurers specialize in providing additional coverage for risks that may exceed standard policies, making them ideal for addressing potential financial impacts from significant disasters.

Group insurers typically focus on providing coverage to a specific group or association, which may not specifically address the unique risks of large-scale disasters. Mutual insurers, owned by their policyholders, generally offer standard coverage options but may not provide the specific additional layer of protection needed for extreme losses. Regional insurers might address specific local risks but might not be equipped to handle the broader financial exposure associated with large-scale events.

By opting for excess insurance, Xavier's company can enhance its financial resilience against unpredictable and significant disaster-related impacts, ensuring that they have the necessary coverage to withstand major losses.