But Allianz Trade Credit Insurance is your guide through the complexity. Providing the real-time financial intelligence you need to uncover hidden risks and identify your strongest prospects, so you get the stability you need to grow with confidence.
Allianz Trade Credit Insurance
Protecting your business in the SME jungle
Navigating the unknown
In the SME jungle, the biggest risks are the ones you can’t see. Unreliable clients, unpaid invoices, uncertain markets - threats can appear when you least expect them.
How does Trade Credit Insurance work?
1. Customer credit checks
We analyse the creditworthiness and financial stability of your customers.
2. Credit limit calculation
Each of your customer has a credit limit – the maximum amount we will indemnify if that customer fails to pay.
3. Business as usual
You trade with your existing customers as you wish, with the risk covered up to the credit limit.
4. Trading limit updates
We keep you informed of adjustments to credit limits as they may be raised or reduced when conditions change.
5. New customers
You check the creditworthiness of potential new customers. We confirm agreement or explain if your request is declined.
6. Making a claim
If a customer fails to pay, you inform us. We investigate and indemnify you for the insured amount if policy terms have been met.
Why SMEs rely on Trade Credit Insurance
- Stabilise your cash flow - Protect your business from sudden non-payment or insolvency shocks.
- Trade with confidence - Take on new buyers, bigger orders and unfamiliar markets without unnecessary risk.
- Strengthen financial credibility - Because your receivables are insured, banks see them as more reliable - making it easier to obtain financing and unlock working capital.
- Simple & Transparent - No hidden fees, straightforward, digital credit limit and claims processes and clear policy terms.
- Save time on credit checks & collections - We do the heavy lifting so you can stay focused on running your business.
- Grow safely in uncertain conditions - Because even trusted customers can fall into trouble.
Choose solutions based on your company size
For small businesses
If you’re concerned about bad debts holding your business back, peace of mind is a step away. This solution is designed to cut the time you spend managing customer debts.
For medium and large businesses
Use Trade Credit Insurance to protect cash flow and receivables, find out how it works and how we provide tailored risk management solutions for bigger companies.
Why Trade Credit Insurance from Allianz Trade?
DEDICATION
75,000+
Clients of all sizes worldwide
Clients of all sizes worldwide
INSIGHTS
289 million
Businesses accessible through our risk grading
Businesses accessible through our risk grading
ASSURANCE
AA Rating
By Standard & Poor's
By Standard & Poor's
Trade credit insurance price calculator
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Credit insurance offers invaluable protection when B2B customers fail to pay.
Growth can be risky without it but what would be the annual cost of trade credit insurance for your business?
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Your company’s characteristics: : Turnover (US$) Payment terms (in days) Trade sector
Thank you for your request. The cost of your trade credit insurance is estimated at:
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Your company’s characteristics: : Turnover (US$) Payment terms (in days) Trade sector
This price indication is not legally binding and is not an offer of the proposed terms of cover. The indicative price is subject to applicable premium levies on the premium element and local taxes on the service fee element (the split between each is not shown in the price indication). Any offer of proposed terms of cover that we may issue will be subject to (amongst other things) receipt by us of a fully completed and satisfactory Proposal Form. Actual pricing may vary from the price indications given once we assess individual circumstances. The information contained herein is not intended to be complete descriptions of all terms, conditions, limitations or exclusions and is provided for general information purposes only. The trade credit insurance policy issued resulting from the estimate above will be underwritten by Euler Hermes trading through its branch Euler Hermes, Hong Kong Branch with a principal place of business at Suites 403-11, 4/F, Cityplaza 4, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong which is a general insurer authorized and regulated by the Insurance Authority of the Hong Kong Special Administrative Region. Euler Hermes Hong Kong Services Limited is a licensed insurance agency (licence number: FA3434) appointed by Euler Hermes.
Euler Hermes is a limited company registered in Belgium (Company Number: 0403.248.596). Euler Hermes is also registered as a non-Hong Kong company with a Hong Kong Companies Registry Number of F20088.
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