CAP programs are a set of trade credit insurance products that can be endorsed to your existing Allianz Trade policy, enabling you to purchase additional coverage on credit limits that have been fully or partially declined. 

Our primary objective is to offer the most coverage under your existing policy, but there are situations where you have a need for coverage on higher-risk buyers or buyers for which limited information is available. These products allow you to make strategic trading decisions while maintaining sound financial management.

How does CAP coverage work?

Terms of the program mirror your existing Allianz Trade credit insurance policy

Both domestic and export markets are covered

Coverage is available for as few as 3 months, or as long as you need the limit

Policy deductible is not applied to CAP insurance claims

Policy loss ratio is not impacted by CAP insurance claims

Not all buyers are eligible

Extending more credit often goes hand-in-hand with increased risk. That’s why Allianz Trade offers CAP, CAP+ and Power CAP—to provide coverage beyond what’s available through your existing Allianz Trade policy—so you can make the most of every sales opportunity.

If you need more coverage on a partially approved limit.

If you need coverage on a declined limit.

If you currently have A/R exposure above your approved limit.

If you have peak season, one-off, or special sales opportunities.

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Limit Size
Where to Request Coverage
Credit Limit Fees
CAP+ Declined credit limits Up to $75,000 6% per year (or 0.5% per month) of the value of the limit Allianz Trade Online One-time $25 credit limit fee
CAP Partially approved or reduced limits Up to $3,000,000 2% per year (or 0.167% per month) of the value of the limit Allianz Trade Online

One-time $25 credit limit fee
Power CAP Any large coverage need Up to $3,000,000 Variable depending on several risk factors Directly through Allianz Trade representative No credit limit fee

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