Credit insurance for small businesses


Your customer does not pay the invoice? Don't let it become an existential threat! Simplicity enables you to secure your turnover - even if your customer does not pay.

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What is Simplicity?

As the leader of a rapidly growing Swiss SME, you are confronted with difficult challenges every day. Worrying about payment defaults should not distract you from your most important goal - the growth of your company. This is where Euler Hermes Simplicity's protection against bad debt losses comes in. With Simplicity, you can devote yourself entirely to your company, knowing that your turnover is secure, even if your customers don't pay. Because if your customers don't pay, Euler Hermes is there for you – with a simple solution.


Simplicity, the credit insurance for Swiss SMEs, supports you:

With a secure and strategic sales growth

Expand your relationships with new and existing customers, locally and globally, knowing that you are insured in the event of non-payment.

With optimal accounts receivable management

Take advantage of our global risk expertise and the power of our team to make quick credit decisions and reduce your risk.

Through protection against consequential bad debt losses

Deliver on account with a clear conscience – knowing that your insurance will mitigate the impact on your cash flow if you fail to pay.

Strengthening your business relationships with your lenders

Gain better access to leveraged working capital, possibly at more favorable terms.



Fixed fees make credit insurance easy to understand and manage. Use our predictive information to grow your business with confidence.


Our straightforward process makes it simple and easy to set up a policy. Then sell on open account terms to get ahead of the competition at home or in export markets.


Immediate cover will put your accounts receivable under control and protect your cash flow. Access more favourable terms from banks and other lenders.

How does Simplicity work?


  • Check what is covered: Simplicity is available in Switzerland and 25 other countries and applies to receivables in excess of CHF 250 with payment terms of 90 days from invoice date.
  • Select your annual turnover: Use our online calculator to determine the maximum amount you could claim per year and per customer.
  • Take a look at your monthly premium: The amount covers 60% of all claims up to the maximum amount per customer.  Remember that there is no deductible for these policies.
  • Use the damage form: Report the claim within 90 days if your customer does not pay or becomes insolvent.  If we are unable to collect your money, we will pay within 30 days.
  • Increase your insurance coverage: Use our online relay service to support the growth of your business. Get information about the possibilities and reliably manage your risks.
  • Get automatic updates: Base your business decisions on our unique predictive information as customer ratings change.

Timeline: How and when do I report damage?

Uncomplicated insurance. Numerous advantages. Simple pricing.

SIMPLICITY offers fixed prices within certain sales classes. In the table below, select the line that corresponds to your annual turnover - you will find the corresponding premium in the right-hand column. It's that simple.

OPTION BASIC: All customers are insured from the start of the contract with the basic cover of 60% of the claim, provided that the customer is not already in default.

OPTION POWER: You can apply the "Power" extended cover to any client in your portfolio to cover 90% of the exposure. You will be asked to check the customer's creditworthiness using our BoniCheck system. The decision is based on the Euler Hermes grading system, which starts at 1 (very low risk) and ends at 10 (insolvent).