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It helps protect business-to-business accounts receivable against covered losses from buyer insolvency or prolonged nonpayment (protracted default). Some policies also cover specified political risks affecting export payments. Coverage depends on the policy, eligible sales, approved buyer limits, and compliance with its conditions.

No. A claim payment depends on whether the debt is covered, the insured percentage, any deductible, and applicable buyer and policy limits. A late invoice does not automatically qualify for payment; notification requirements, waiting periods, and claim deadlines may apply.

Policies may exclude certain transactions or losses. Disputed invoices, pre-existing overdue debts, related-company sales, and sales outside approved terms or limits require particular attention. We review the actual exclusions and dispute provisions with you before placement.

Many policies price coverage as a percentage of insured sales. Insurers assess sales volume, buyer creditworthiness, customer concentration, countries, industry, payment terms, and loss history. The deductible, insured percentage, and coverage structure also affect cost. Minimum premiums and buyer assessment or other fees may apply, so compare the complete proposal rather than the rate alone.

For illustration only: $5,000,000 in insured annual sales multiplied by a hypothetical 0.20% rate equals $10,000 in annual premium, before fees or adjustments. This is a math example, not a quote or an indication of available pricing. Your actual premium and terms require underwriting.

Options may include domestic, export, combined portfolios, or a single key buyer, subject to insurer approval. The right structure depends on your customer mix, countries, concentration, and credit needs.

The insurer may approve a specific limit for a buyer, or the policy may allow you to establish limits under defined rules. Limits and their cancellation terms vary by product. We help you understand the amount, effective dates, and conditions that apply before you extend credit.

It may support discussions with a bank or factoring provider by helping protect eligible receivables. Financing remains subject to the lender’s approval and eligibility rules. Any loss-payee or assignment arrangement must be agreed with the insurer and financing provider.

Contact us promptly and follow your policy’s reporting and collections instructions. Keep invoices, delivery evidence, account statements, and correspondence. Do not assume that extending payment terms or agreeing a settlement preserves coverage; check the policy requirements first.

Start with your business details, estimated annual credit sales, main buyers and countries, requested credit limits, payment terms, and recent bad-debt history. You can use our short quote form to begin; we will follow up for the information the insurer needs.