Your receivables are an asset. Insure them like one.
If you sell on terms, your customers' balance sheets are quietly written into yours. Trade credit insurance covers the invoice that never gets paid — insolvency, slow-pay that becomes no-pay, and the export risks beyond anyone's control — so one customer's failure does not become yours.
What we cover
Non-payment protection
Coverage that pays when a customer becomes insolvent or simply stops paying — across the whole ledger or on the named accounts that matter most.
Concentration risk
Most businesses have one or two customers they cannot afford to lose. When forty percent of receivables sit with one account, that account's credit is your biggest uninsured exposure. This is the line that changes that.
Export and political risk
Selling abroad on open terms adds risks no contract clause reaches — currency controls, political events, buyers in jurisdictions where collection is theoretical. Coverage built for cross-border terms.
Growth and financing leverage
Insured receivables are better collateral. Lenders advance more against them, and credit limits on new customers stop being a guess — the insurer's underwriting becomes your early-warning system on who is slipping.
What goes wrong
The anchor customer
Years of smooth payment, then a bankruptcy filing on a Friday. The receivable was the growth plan — and without coverage, it is now a write-off that takes the year's margin with it.
Terms that stretched quietly
Sixty days became ninety became “they always pay eventually.” By the time protracted default is obvious, the exposure has been compounding for quarters.
Turning down growth to stay safe
The order was real, the customer was unknown, and the business said no. Credit insurance exists so the answer to bigger orders can be yes — with the risk priced and carried.
Show us the ledger
Who owes you, how much, and on what terms. We will show you what it costs to stop worrying about it.
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