Trade Credit Insurance

Coverage generally responds to a customer’s inability or failure to pay, not to disputes over whether you delivered as promised. Amounts in genuine dispute, and invoices outside the policy’s terms or credit limits, are typically excluded. We review the specifics with you.

Not necessarily. Coverage can be structured across your whole portfolio, on named key accounts, or on a single large customer, depending on your risk.

It can respond to protracted default, subject to policy terms, not only outright bankruptcy.

Yes. It can cover export receivables, including political and country risk that blocks payment, subject to terms.

Even long-standing, well-run customers can fail or hit a downturn, and one large unpaid invoice can do real damage. Coverage plus the insurer’s monitoring helps you see trouble coming.

Premium is usually a small fraction of your annual credit sales, often well under one percent, and varies with your customers, terms, industry, and the countries you sell into.

No. Factoring sells your receivables for immediate cash. Trade credit insurance keeps your receivables and protects you if a customer does not pay. The two can be used together.

Policies typically cover a high percentage of each insured invoice, commonly in the low-to-mid nineties of a percent, above your deductible or retention. The exact figure depends on the policy.

It is coverage for the money your business customers owe you. If an insured customer cannot pay a valid invoice for a covered reason, the policy reimburses a percentage of the loss.

Often, yes, indirectly. Insured receivables are stronger collateral, so lenders may raise your advance rate, include customers or export accounts they would otherwise exclude, and offer better terms. It depends on your lender and policy, and the lender is usually named to the policy.