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Trade Credit Insurance

Get information about Trade Credit Insurance from world's top Trade Credit Insurance expert Euler Hermes.

What is Trade Credit Insurance?

Trade Credit Insurance covers your receivables due within 12 months so that your cash flow is safeguarded.

Our information tracks the financial health of your customers and we update you so that you can trade with confidence.

If your customers become insolvent or fall into protracted default, you will be indemnified for the cost of goods and services you have delivered.

Learn about the cost of Trade Credit Insurance


Comparing with other credit management options

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What does Trade Credit Insurance cover?

Trade Credit Insurance protects businesses from non-payment of commercial debt. It covers your business-to-business accounts receivable. If you do not receive what you are owed due to a buyer's bankruptcy, insolvency or other issue, or if payment is very late, the insurance policy will reimburse you for a majority of the outstanding debt. This helps you protect your capital, maintain your cash flow and secure your earnings while extending your competitive credit terms and helping you access more attractive financing.

With Trade Credit Insurance, you can reliably manage the commercial and political risks of trade that are beyond your control. It can help you feel secure in extending more credit to current customers or pursuing new, larger customers that would have otherwise seemed too risky.

Case Studies

YOOV

Cloud Enterprise Management System provider YOOV tapped Euler Hermes as partner in trade when it comes to cash flow protection and business expansion.

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VIKUDHA

With over 45 years of business experience in chemicals, petrochemicals, polymers, metals, minerals, foods and agricultural products, Vikudha has partnered with Euler Hermes.

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A Guide to Credit Insurance
DOWNLOAD FREE USEFUL RESOURCE

All in One: Ultimate Guide to Trade Credit Insurance

Download our Guide to Credit Insurance, and learn how Credit Insurance works, example business cases, process of claims and collections, and more.

How does it work?

We analyse the credit worthiness and financial stability of your buyers.
Each buyer has a limit which is the maximum amount we will indemnify if that buyer fails to pay.
You trade with your existing buyers as you wish, with the risk covered up to the limit.
We keep you informed of adjustments to limits as they may be raised or reduced when conditions change.
You check the credit worthiness of potential new buyers with us. We confirm agreement and explain the risk with our data.
If a buyer fails to pay, we will investigate and indemnify you for the insured amount if policy terms have been met.
Talk to our trade credit experts about your customers,
and learn all about the risks and opportunities.

Solutions tailored for your company

SMEs

Liquidity is crucial for the sustainable growth of SMEs. Learn how Credit Insurance can help you identify creditworthy customers, protect account receivables, and safely grow sales.

Solutions for SMEs

You can find more information below:

Large Companies

Looking for business expansion in domestic or international markets? Our customized Trade Credit Insurance solutions can protect your financial accounts and help you accelate business growth in new markets safely.

Solutions for Large Companies

You can find more information below:

MNCs

Navigating and managing risk in a global arena can be challenging, and our knowledge and expertise gives you the confidence to trade in this complex environment.

Solutions for MNCs

You can find more information below:

Find the best solution for your business

Trade credit insurance is not “one size fits all.” The level of risk associated with your industry, customers and location will be unique to your business, so coverage solutions are tailored to your needs. At Euler Hermes. we offer below Trade Credit Insurance solutions:
Corporate Advantage

Corporate Advantage

Ensure your trade credit receivables are covered in both domestic and export markets with our flagship solution - Corporate Advantage, which is designed to be easily customizable to meet different business needs. You will be protected against your buyers’ insolvency or late payments. We will check the creditworthiness of your customer portfolio against our risk database, carefully calculate limits to guide your decisions, and keep you in control of your customer portfolio.
Learn about Corporate Advantage
World Program
Hot Air Balloons - Multinational Credit Insurance

World Program

With a global team mirroring your geographic structure and business strategy, including emerging markets, our World Program insures you against the insolvency of a customer portfolio, delayed payment and even political risk. Central to our World Program is one Master Agreement framework, adaptable both centrally and locally. We can help you assess, evaluate and mitigate global risks.
Learn about World Program
Excess of Loss (XoL)

Excess of Loss (XoL)

With the ability to manage credit risk through tailor-made programs and access to a network of strategic risk underwriters located in 50 countries throughout the world, XoL customers can improve balance sheet efficiency and grow sales safely.
Learn about XoL
Transactional Cover

Transactional Cover

Protect assets abroad, as well as import or export transactions, with Transactional Cover. This customized policy solution is designed to mitigate and manage contract interruption, non-payment, confiscation or political risks. Your Transactional Cover policy provides a non-cancellable limit ($100 million max) for up to eight years, offering reassurance of limited exposure and capital relief, flexibility and coverage for single or multiple countries.
Learn about Transactional Cover

Why choose Euler Hermes?

Dedication

55,000+

 
Clients worldwide
Experience

85+ million

 
Businesses monitored
Assurance

AA rating

 
by Standard & Poor’s

Contact Us

Discuss how Credit Insurance
can help your business with us.
Get answers to common questions
about 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 (WTO). Export credit insurance providers protect your sales from political risks, including import/export changes and foreign government intervention. Whether you have export credit insurance or not, there are still many ways you can take steps to mitigate risk while doing business internationally. Exercising the following precautions of credit management can only benefit your business and help you protect your cash flow and finances while expanding your growth even more.