Credit insurance

The largest unsecured asset you own, insured.

Credit insurance pays out when a customer becomes insolvent or simply fails to pay. It is the difference between a bad month and a bad year, and it lets you sell to bigger buyers on better terms than uninsured competitors can.

Arrange a meeting Check a buyer first

Structures

Built around how you trade, not off a shelf

Whole turnover. Your full insurable book covered under one policy. The standard structure for most trading businesses.
Key buyer. Cover concentrated on the handful of customers whose failure would actually hurt.
Excess of loss. You carry the everyday losses, the insurer takes the catastrophic ones. Suited to larger businesses with strong credit control.
Single situation. One buyer, one contract or one country, insured on its own terms.

Most clients find the discipline of insurer credit limits pays for the policy before a claim is ever made.

The policy also does quiet commercial work: banks and invoice finance providers lend more, at better rates, against an insured ledger.

Through the year

The work starts when the policy is bound

A policy is only as good as the limits underneath it. Through the policy year we manage the credit side with you:

Buyer assessment before you take on a new customer, using the same analysis we use to place risk
Credit limit applications, appeals and the case-making that gets declined limits overturned
Monitoring of your insured book so deteriorating buyers are flagged early
Claims preparation and negotiation when the worst happens

Some of this is now available as self-serve tools. Try Buyer Assessment free.

Sector knowledge

Every sector fails differently.

Generic cover misses sector-specific risk. These are the industries where we know the failure patterns, the insurers' appetite and the wordings that matter.

Commodities

Thin margins, large tickets, leveraged counterparties. We arrange cover that handles fluctuating exposures, back-to-back chains and buyers in jurisdictions where court recovery is theoretical.

Manufacturing

Cash committed to production long before invoicing, and order books concentrated in a few customers. Cover sized to real concentration, including pre-delivery cover for binding contracts.

Logistics and freight

Margins of two or three percent leave no room to absorb a default. Whole turnover cover for high-volume books, with limit decisions fast enough to match your onboarding.

Media and advertising

Agencies sit between committed platform spend and slow brand payments. We insure the credit risk in media buying chains, a market where insurer appetite varies widely.

Recruitment

Contractors paid weekly, clients invoiced monthly. Cover that protects the funding gap and works alongside your invoice finance facility, on the same limits.

Your sector

If you sell on credit terms, the risk is insurable in principle. Ask us and we will give you a straight answer on appetite and price.

Ask about your sector →

How it works

From first call to placed cover.

Understand the book

Who you sell to, on what terms, where the concentrations are and what has gone wrong before.

Go to market

We approach every relevant insurer with a properly prepared submission, not a form.

Compare and negotiate

You see the quotes side by side with our recommendation and the trade-offs spelled out.

Run the year

Limits, monitoring, claims and renewal. The relationship is the product.