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Bad Debt Protection with Accounts Receivable Insurance Coverage 


Fewer worries about unpaid invoices.  More confidence to grow your business.

Bad debt protection is often the first benefit that comes to mind when finance professionals think about accounts receivable (A/R) insurance coverage.

Yes, that’s because of the word “insurance,” but it’s also because of how common payment delays and defaults are in B2B. In fact, in Euler Hermes’ Risky Business survey,  61% of CFOs and their direct reports said non-payments had increased year-over-year. 

Simply put, accounts receivable insurance – also known as trade credit insurance or bad debt insurance – helps ensure you get paid for what you sell. 

What is accounts receivable insurance?
Customer’s inability to pay their debt due to economic distress that leads to bankruptcy
Also called protracted default, this covers a customer failing to pay as previously agreed
Inconvertibility, government intervention and war/civil disruption can all be covered
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  1. Non-payment protection: If a customer covered by your policy fails to pay, submit a claim and receive payment under the terms of your policy
  2. Identify potential losses: A/R insurance from Euler Hermes provides key credit risk analysis to help avoid losses – especially critical for companies in volatile or low margin industries
  3. Transfer risk to insurer’s balance sheet:  Remove the credit risk from the balance sheet, improving margins and boosting P&L
  4. Reduce bad debt reserve: Accounts receivable insurance allows companies to reallocate reserves into working capital
  5. Collect commercial debts: International commercial debt collection is included with Euler Hermes’ policies, and our collectors work with debtors on your behalf
Euler Hermes is found on six continents and in 52 countires, and we proudly serve 55,000+ clients around the world
We monitor over 85 million companies in our proprietary risk database so we can provide you with the predictive insights you need
Euler Hermes has been on the job for 125 years and we process 20,000 credit requests per day – 85% in less than 48 hours
We're wholly owned by Allianz, one of the world's leading financial services providers, and we put those resources to work for you 
Borrow more working capital at better rates when your receivables are backed up by our AA Standard & Poor's rating
We deliver an unrivaled experience with a dedicated account team for each client, a national reach, and our online customer portal
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Get the perspective from Euler Hermes customers that have used an accounts receivable insurance policy for loss portection
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FAQs About Reducing Non-Payment:

FAQs About Addressing Late Payments:

FAQs About A/R Insurance vs. Alternatives:

Yearly revenue up to $25 million
Learn how accounts receivable insurance helps businesses with up to $25 million in revenue identify creditworthy customers, protect receivables, and safely grow sales.
Small Business Solutions
Yearly revenue exceeding $25 million
Expand your business in domestic or international markets and protect your key financial accounts. Explore solutions for companies with revenue exceeding $25 million.
Medium & Large Solutions
Enterprises with a global footprint
We build and manage robust, global insurance for credit risk and related services specifically for you, to give you the confidence to trade in this complex environment.
Multinational Solutions
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Additional benefits

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Safely and aggressively grow sales with new and existing customers
Trade Risk Data
Use our proprietary knowledge to make the best business decisions 
Credit Insurance Solutions - Secure More Capital Icon
Turn receivables into insured assets to improve bank financing terms 
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