Are you exposed to the risk of buyer insolvency or non-payment in domestic or export markets?
Trade credit insurance protects your business against financial losses arising from customer insolvency or prolonged non-payment. We help companies select and obtain the right policy for their trade profile.
How It Works
The insurer monitors the creditworthiness of your buyers and sets credit limits for each. If a covered buyer fails to pay within the agreed period or becomes insolvent, the insurer pays the indemnity — typically 80–90% of the insured receivable.
Domestic Coverage
Protects against non-payment by domestic buyers. Particularly valuable for companies supplying on deferred payment terms or working with a large number of counterparties whose creditworthiness is difficult to assess independently.
Export Coverage
Extends protection to foreign buyers. Covers both commercial risk (insolvency, non-payment) and political risk (currency controls, war, expropriation). Essential for businesses expanding into new export markets.
Additional Benefits
Beyond indemnity, trade credit insurance gives access to the insurer's buyer monitoring database, strengthens your position when applying for bank financing, and can facilitate factoring at preferential rates.
Najczęściej zadawane pytania
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No. Trade credit insurance is equally relevant for domestic trade. Any business that sells on credit — regardless of whether buyers are local or foreign — can benefit from protecting its receivables.
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Some insurers offer selective or key-account policies that cover only a defined list of buyers. This is useful when you want to protect exposure to your largest or highest-risk customers without insuring your entire portfolio.
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Yes. An assigned trade credit insurance policy is accepted as collateral by many banks and factoring companies, often enabling access to higher limits and more favourable terms.