Commerce Credit Insurance
Commerce credit insurance protects your accounts receivable, enabling you to trade and grow confidently—both locally and globally—without the risk of bad debt.
Insure your trade with our solutions
Our Commerce Credit Insurance empowers you to offer B2B credit terms with confidence by protecting your trade receivables due within 12 months.
If a customer fails to pay—whether due to insolvency, default, or non-compliance with contract terms—your policy covers the resulting loss.
Beyond protection, it also enhances your credit risk decisions by providing valuable insights into who to extend credit to and what limits to set.
How Does Commerce Credit Insurance Work?
Commerce Credit Insurance is tailored to the needs of your business, informing daily credit management decisions as you trade with new and existing customers.
Customer Health Check
We begin by assessing the creditworthiness and financial stability of your customers to evaluate their payment risk.
Credit Limit Calculated
A specific credit limit is set for each customer—this is the maximum amount we will insure if the customer fails to pay.
Business as Usual
Continue trading confidently with your existing customers. Their risk is covered up to the approved limit.
Trading Limit Updates
We proactively monitor risk and notify you of any changes to customer limits—raising or lowering them as needed.
Business Building
When assessing new clients, we evaluate and either approve your proposed limits or explain why coverage isn’t available.
Making a Claim
If a customer doesn’t pay, notify us. We’ll investigate the case and compensate you for the insured amount if the policy terms are met.
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Benefits of Commerce Credit Insurance
Protection
Recover losses from bad debt quickly and maintain healthy cash flow through proactive credit coverage.
Growth
Confidently expand into new domestic or international markets while maintaining a strong risk tolerance.
Insight
Access ongoing insights into your customers’ financial health and credit risk to make informed decisions.
Profitability
Streamline debt collection and reduce administrative costs, improving overall profitability.
Funding
With insured receivables, banks are more willing to extend credit, improving your access to funding.
Competitiveness
Offer flexible credit terms to customers—even when competitors can't—enhancing loyalty and sales.
How Your Premium Is Determined
Your export credit insurance premium is calculated based on several key factors:
- Your annual B2B turnover
- The countries in which you operate
- The type and risk profile of your customers
- Your standard payment terms
- The percentage of coverage you require
Seamless Coverage for Your Growing Success
Commerce Credit Insurance protects your business from customer non-payments, ensuring steady cash flow and safer trade.
For small businesses
Reduce bad debt risk and save time managing customer payments with our simple, effective solution.
For Medium and Large Businesses
Safeguard cash flow and manage credit risk with scalable solutions tailored to your business size.
For International Businesses
Get expert credit risk support tailored to complex, multi-country operations and large turnovers.
Need Help Understanding Credit Insurance?
Get quick answers to the most common questions about how our coverage protects your business and supports growth.
FAQ
Your Questions, Our Solutions
Here’s a quick guide to understanding Commerce Credit Insurance and how it protects your business.
It protects your business from losses when customers fail to pay due to insolvency, default, or political risks. It helps you grow safely by securing your receivables.
We assess your clients' credit, set safe limits, and continuously monitor them. If a covered client doesn't pay, we investigate and compensate you if policy terms are met.
Any business offering goods or services on credit—including SMEs, large corporations, multinationals, and financial institutions—can benefit from it.
It covers non-payment due to insolvency, extended defaults, and certain political events, helping you avoid bad debt losses.
Pricing starts around 1% of your insured trade volume and depends on your business type, client risk, and coverage needs. Use our online calculator for a quick quote.
Why work with us?
Clients worldwide
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Businesses monitored
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Rating by Standard & Poor's
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What is export credit insurance?
Export credit insurance enables businesses to remain competitive by allowing them to offer open credit terms, rather than relying solely on letters of credit or prepayment. According to the WTO, foreign buyers increase purchases by up to 40% when open terms are offered.
This insurance protects your exports against commercial non-payment and political risks, including government interference or regulatory changes. For exporters, it enables safer entry into new international markets, supporting growth while managing credit risk.