Trade Credit Insurance

Because the future isn’t always as expected, we predict trade and credit risks today, to protect cash flow tomorrow

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Also called accounts receivable insurance – is different from “insurance” in the traditional sense. It is a partnership that provides world-class knowledge and data to empower your trading decisions, backed by a reimbursement guarantee should an unexpected customer non-payment occur.  Businesses that choose trade credit insurance benefit from safe sales expansion – at home and abroad – to new and existing customers. It also helps you access to working capital while reducing your overall risk.

It protects businesses from non-payment of commercial debt. It covers your business-to-business accounts receivable. If you do not receive what you are owed due to a buyer's bankruptcy, insolvency or other issue, or if payment is very late, the policy will reimburse you for a majority of the outstanding debt. This helps you protect your capital, maintain your cash flow and secure your earnings while extending your competitive credit terms and helping you access more attractive financing.

With trade credit insurance, you can reliably manage the commercial and political risks of trade that are beyond your control. It can help you feel secure in extending more credit to current customers or pursuing new, larger customers that would have otherwise seemed too risky.

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We analyse the credit worthiness and financial stability of your customers.
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Each customer has a limit which is the maximum amount we will indemnify if that customer fails to pay.
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You trade with your existing customers as you wish, with the risk covered up to the limit.
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We keep you informed of adjustments to limits as they may be raised or reduced when conditions change.
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You check the credit worthiness of potential new customers. We confirm agreement or explain if your request is declined.
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If a customer fails to pay, then you give us full information.
We investigate and indemnify you for the insured amount if policy terms have been met.
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Ultimately, we are there to quickly replace money lost through bad debt
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Feel safe in the knowledge that your outstanding invoices are protected
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It helps you remain competitive by enabling you to offer open credit when your competitors can't
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We help in securing trade finance which improves banking relationships and access to finance
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Improve profitability by safely increasing your exposure to more customers
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It complements and enhances existing credit control procedures to improve Days Sales Outstanding's
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You gain access to greater customer intelligence that leads to balanced risk decisions
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It facilitates expansion with security and allows you to deal confidently with new clients and increase credit lines to existing ones
SMEs
Large-sized Companies
Multinational Corporation (MNC)

Maximizing your top line and bottom line

Trade credit insurance is not “one size fits all.” The level of risk associated with your industry, customers and location will be unique to your business, so coverage solutions are tailored to your needs. Euler Hermes Trade Credit Solutions include:
Corporate Advantage
World Program
Excess of Loss (XoL)
Transactional Cover
Global leader

55,000

 
Countries worldwide
Predictive insight

83+million

 
Businesses monitored
Solid foundation

AA

 
Standing & Poor's rating

Let's get in touch today!

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Call us: 0800 771 168
How much does trade credit insuance cost? To take control of your cash flow management, consider the benefits of trade credit insurance. It’s an important business tool that helps you lower the risk for bad debts or unpaid accounts receivable. If you are curious about how much credit insurance costs, remember this: there are ways you can help control those costs and make a good trade credit insurance investment that helps you grow your business. Your trade insurance premium can change depending on multiple variables, including but not limited to:  type of policy you choose, percentage of risk being covered for each transaction, losses your business has experienced in the past, your business’ full financial history, your industry, your customers’ financial standing, the country in which you are doing business and political risk.