The pricing under our policy varies according to several key factors, including:

  •  The trade sector in which the prospect operates.
  • The prospect's historical bad debt record.
  • The effectiveness of the prospect's credit management practices.
  • The overall strength and creditworthiness of the portfolio of buyers to be covered under the policy.
  • The countries that would fall under the coverage of the policy.
  • These elements collectively shape the pricing structure, allowing us to tailor the cost of the policy to align with the specific risk profile and needs of each individual client

As a global company with operating entities in various markets, we have comprehensive visibility into different regions. Our observations indicate that trading in UAE involves a higher level of risk compared to many markets in Europe, particularly those within the European Union. The UAE's market presents distinct challenges, and there is a higher degree of risk exposure in this region.


Moreover, markets with more robust legal frameworks, such as those found in Europe and the European Union, often result in lower risk profiles for trade activities. As a consequence, the pricing for policies in these regions tends to be comparatively more favorable.


It's essential to note that our pricing approach is responsive to the risk assessments of the markets in which we operate. Policies for other high-risk markets beyond the UAE may also carry higher pricing to align with the level of risk exposure associated with those specific regions. Rest assured, our pricing strategy is designed to reflect accurate risk evaluations and provide tailored coverage that best addresses the unique needs of each market we serve.

Our credit limit fee is applied whenever we assess a limit, regardless of the outcome. This means that even if we decide not to grant coverage and reject the limit, the same costs are incurred during the review process. In fact, a refusal decision may require a more meticulous review to ensure accurate and fair evaluations.
Our credit limit fees are the costs associated with reviewing the buyers that are covered under your policy. We have dedicated Risk Analyst and Risk Underwriting teams who continuously review buyers and underwrite credit limits for our buyers. There are costs associated with this work that sits outside the policy premium which amongst other things is associated with risks of claims arising under the policy.

The minimum premium is an integral component of the policy structure. When we offer the policy to our policyholders, we request them to estimate the turnover that would be covered under the policy for the upcoming 12 months. This estimation allows us to calculate the appropriate pricing for the policy and allocate the necessary exposure for the coverage.


The minimum premium is also essential to maintain sufficient capital reserves to support the coverage provided by the policy. These reserves play a crucial role in ensuring that we can fulfill our commitment to safeguarding our policyholders against potential risks and losses.

However, it's important to consider that a loss-free policy indicates the effectiveness of our guidance in helping you trade with financially stable buyers who can support your business and foster growth. In essence, avoiding claims reflects the successful risk management and careful selection of buyers, ensuring a stable and prosperous trading environment for your business.

At the end of a policy, each Policy Holder must provide a Turnover Declaration, which shows the business conducted with the buyers covered under the policy. If a Policy Holder hasn't engaged in any trade with a buyer for whom they have a Permitted Limit, they won't have any turnover associated with that buyer, and consequently, no premium will be charged.


We encourage our policy holders to ensure that they have utilized the exposure covered under their Permitted Limits through us. Additionally, any exposure on buyers with whom they are not conducting business should be removed to avoid unnecessary premium payments. Our aim is to tailor the coverage to the actual trading activities and reduce costs associated with unused limits.