Trade Credit Insurance
A major client doesn't pay their invoice, and your cash flow takes the hit. Trade credit insurance compensates you for unpaid invoices and monitors your clients' solvency.
What it covers
Client insolvency
Liquidation, receivership: the invoice will never be paid, and the insurer compensates part of the debt.
Extended non-payment
The client doesn't dispute the invoice but doesn't pay, even after reminders: the claim is recognised after a defined period.
Ongoing solvency monitoring
The insurer continuously assesses your clients' financial health to warn you before a default occurs.
Debt recovery
Collection and litigation costs against the defaulting client are covered.
What it does not cover
- Debts on clients already known to be in default before subscription are not covered.
- A simple commercial dispute over service quality is not a default under the policy.
- Sales made beyond the credit limits set by the insurer are not guaranteed.
Who is it for?
You invoice large clients
A handful of key accounts make up a significant share of your revenue.
You export or work internationally
A foreign client's insolvency is harder to anticipate and recover from.
A bank or investor requires it
Trade credit insurance reassures your financial partners about the quality of your receivables.
Frequently asked questions
What share of the debt is reimbursed?
How does the insurer set the insurable amount per client?
Does it automatically cover all my clients?
How long before a claim is recognised?
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