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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 or export credit insurance protects businesses when a customer fails to pay because of bankruptcy, insolvency, or destabilizing political conditions.
Our solutions also guide your credit risk decisions through powerful insight on who to extend credit to and what limits to offer.
With more than 125 years of expertise, Allianz Trade offers an unparalleled underwriting and policy servicing capabilities.

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

When a customer is unable to pay within the contracted terms (a protracted default), a trade credit insurance policy indemnifies a proportion (up to 95%) of the debt owed.

Trade Credit Insurance also provides unparalleled information for your credit risk decisions for insight on who to extend credit to and what limits to offer.
  • 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

In many cases, the premium for credit insurance is less than 0.5% of turnover. Compare this to the average number of write-offs on your receivables, and you'll see that the investment is quickly recouped.

Credit insurance comes in various types and sizes, which also determine the price. For some credit insurances, you set a fixed price per turnover class. For most common policies, we calculate the premium as a percentage of your turnover.

Turnover, exports, and sector

Contact information

Your trade credit insurance premium

Enter your annual turnover in $

Insurable sales refers to the total sales volume of prospective insured buyers.

Enter your % of turnover generated from exports

Export sales as a percentage of overall sales

Sector in which your company does business.




Turnover ($)


% Export


Trade Sector

Modify the information
/ Annual payment
/ Annual payment
/ Annual payment
Summary box

Turnover ($)


% Export


Trade Sector

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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?

Get that answer here, in a matter of minutes.

Every business can benefit from good credit management.  Trade credit insurance is one of the most important tools for that purpose.  If you’re selling on open account terms to other businesses, then trade credit insurance could bring many benefits.  Even if you trade on other terms we have services that can support and strengthen your trading activity.

We’ve designed a range of trade credit offers for different types of businesses and transactions.  Every business can benefit from good credit management.  

Please get in touch with us to discuss what would be most suitable for you.

Our insurance is designed for businesses with sales of at least $5million per year, but companies with sales of as little as $1million sometimes find our services to be a good fit, depending on the situation.  If your sales are lower than this, our insurance may not be the most suitable product for you.  We suggest you speak to your insurance broker or business bank manager who will be able to point to other ways you can protect your business. 

Many businesses trade with long standing customers that seem well funded. They believe payment can be relied on. However, even the strongest commercial concerns can be affected by the economic cycle and commercial trends. 

One Allianz Trade customer, EDPA, experienced this scenario when one of their oldest customers filed for bankruptcy and disputed EDPA's receivables. Read the EDPA case study for details.

"The Allianz Trade team made us feel so comfortable about the situation and confident that it would get resolved. When you are facing an enormous financial loss, having someone knowledgeable, supportive, and responsive in your corner can make all the difference. We are very, very happy with the service we received."
   – Alp Benadrete, Managing Partner in Charge of the Home Textile Division for EDPA

It takes considerable investment in data collection to keep track of customers’ financial health and to evaluate the risk of non-payment.   We make that investment so you don’t have to and we make the analysis available to you.  Insurance backed by insight allows you to trade with peace of mind through all phases of the cycle – today and tomorrow. 

Yes, we have experience in supporting longer term transactions (for example, multi-year contracts). Get in touch with us and let us know what you need. We’ll be pleased to make recommendations.
Yes. Exporters concerned about political events can also benefit from coverage for non-payment as a direct result of events in the buyer’s country. Typical situations in which international credit insurance companies can help include war or cancellation of a contract by the local government. Another example is when a government imposes rules that stop goods from being exported or imported or when regulations prevent hard currency transfers.
Small Business Trade Risks
Learn how trade credit insurance data helps businesses with up to $25 million in annual revenue identify creditworthy customers, protect receivables, and safely grow sales.
Expand your business in domestic or international markets and protect your key financial accounts. Explore trade credit insurance for companies with revenue exceeding $25 million.
We build and manage robust, global insurance for credit risk and related services specifically for you, to give your multinational enterprise the confidence to trade in this complex environment.
Clients worldwide
83 Million
Businesses monitored
AA Rating
by Standard & Poor's

Allianz Trade is the global leader in trade credit insurance and credit management, offering tailored solutions to mitigate the risks associated with bad debt, thereby ensuring the financial stability of businesses. Our products and services help companies with risk management, cash flow management, accounts receivables protection, Surety bonds, and e-commerce credit insurance ensuring the financial resilience for our client’s businesses. Our expertise in risk mitigation and finance positions us as trusted advisors, enabling businesses aspiring for global success to expand into international markets with confidence.

Our business is built on supporting relationships between people and organizations, relationships that extend across frontiers of all kinds—geographical, financial, industrial, and more. We are constantly aware that our work has an impact on the communities we serve and that we have a duty to help and support others. At Allianz Trade, we are strongly committed to fairness for all without discrimination, among our own people and in our many relationships with those outside our business.