Trade Credit Insurance

Trade credit insurance protects your account receivables enabling you to trade, expand domestically and abroad without the risk of bad debt.

Trade Credit Insurance (TCI) sometimes referred to as accounts receivable insurance, debtor insurance, or credit insurance protects businesses when a customer fails to pay because of bankruptcy, insolvency, or destabilizing political conditions.
Cover image of the ultimate guide to TCI

Our Trade Credit Insurance enables you to offer B2B credit terms with confidence by insuring your trade receivables due within 12 months.

If a customer fails to pay, whether it’s due to insolvency, refusal or an inability to pay under the terms of the contract, a Trade Credit Insurance policy indemnifies your losses.

Trade Credit Insurance also informs your credit risk decisions through powerful insight on who to extend credit to and what limits to offer.

Trade Credit Insurance is tailored to the needs of your business, informing daily credit management decisions as you trade with new and existing customers.
  • Protection: Our policy quickly replaces the money lost through bad debt and strengthens your cashflow
  • Growth: Expand confidently domestically or internationally with a strong risk tolerance when accepting new orders
  • Insight : Benefit from permanent monitoring of the financial situation and credit risk of your customers and prospects
  • Profitability: Optimized recovery of unpaid debts at Minimal management costs
  • Funding: Receivables protection improves banks’ lending confidence
  • Competitiveness: Improve customer relationship by offer credit terms even when competitors can’t
  • Your B2B turnover
  • The countries where you operate
  • The type of customers you deal with
  • Your payment terms
  • The desired coverage percentage
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?
Get that answer here, in a matter of minutes.

Your company

Your contact information

Your estimate

example: 5,000,000

Your company's total annual revenue

example: 90

Average number of days to collect payment for a sale

The sector that most closely matches the goods and/or services that you trade in



Your company’s characteristics:

Turnover (US$)


Days Sales Outstanding


Trade sector

Edit your information
/ per year
/ per year
/ per year
Your company’s characteristics:

Turnover (US$)


Days Sales Outstanding

28 days

Trade sector

If you’re concerned about bad debts holding your business back, peace of mind is a step away. Our hassle free solution is designed to cut the time you spend managing customer debts.
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.
Exclusively for organizations operating across 2+ countries with business turnover over £500 million, our expert team knows and will adapt according to your complex financial structures.

Trade credit insurance protects your accounts receivable against the risk of non-payment due to insolvency or protracted default, while giving your business the insight and confidence to grow revenues with new and existing business customers.

Acting as an early warning system for potential payment issues, trade credit insurance allows you to trade safely with new customers, trade more with existing customers and expand to new sectors or export markets.

We start by assessing the creditworthiness and financial stability of your customers, in order for us to underwrite safe credit limits on them, with risk coverage up to the agreed limit.

We provide regular updates on those trading limits, adjusting them based on changing conditions. And we support your business growth by repeating this process for new customers.

In the event you tell us about a non-payment for an insured customer, we investigate, and if policy terms are met, we indemnify you for the insured amount.

Any business that sells goods or services on credit terms to other businesses can benefit from trade credit insurance. This includes businesses of all sizes and all industries, from small and medium-sized enterprises to large multinational corporations.
Trade credit insurance covers your business against the risk of non-payment by your customers due to insolvency, protracted default, or, where applicable, certain political events.
The cost of trade credit insurance is based on a number of factors including the size and nature of your business, the creditworthiness of your customers and the trading limits you need.

It’s calculated for your business and the way you trade and is based on a percentage of your sales, generally a fraction of 1%. So, if your sales were £2 million last year and you wanted to cover that entire amount, the premium would usually be less than £10,000. But remember, premiums can go up or down from year to year.

Getting a price indication with us online is quick and easy for you to in a matter of minutes on our website: Trade credit insurance price calculator.
Clients worldwide
83 Million
Businesses monitored in 160 countries
AA Rating
by Standard & Poor's
What is export credit insurance? Export credit insurance helps companies remain competitive by offering open terms when letters of credit or prepayment may have previously been the only safe way to do business. In fact, foreign companies buy an average of 40 percent more when they are offered open terms, according to the World Trade Organization. Export credit insurance providers protect your sales from political risks, including import/export changes and foreign government intervention. Few companies can effectively compete without extending credit to their buyers. For exporters, getting trade credit insurance levels the global playing field. Working with new countries means dealing with new cultures and new opportunities to access new markets and customers. Businesses must know to manage the associated credit risks that come with exporting products or services.