Receivables Insurance
Protection Against Counterparty Non-Payment
In every commercial transaction, protection against non-payment by a counterparty is essential to safeguard a company's interests. Trade credit, which is a key element of business activity, allows companies to offer deferred payment terms to their customers. However, such arrangements involve risk, as suppliers of goods or services often fulfil their obligations before receiving payment. As a result, businesses are exposed to the risk of counterparty insolvency, which can have serious consequences for financial liquidity. This is why it is crucial to implement appropriate risk mitigation mechanisms that help minimise exposure and protect cash flow stability.
Our insurance offering includes:
- Trade receivables insurance – protects against the risk of customer insolvency and payment delays, both in domestic and international trade.
- Top-Up Cover – allows for an increase in the credit limit granted by the insurer under the primary insurance policy.
- Non-Market Risk Insurance – provides protection against economic and political risks in higher-risk countries, such as moratoria, restrictions on fund transfers, armed conflicts, natural disasters or the withdrawal of export licences.
- Single Risk – insurance focused on a single buyer or a selected group of buyers.
Benefits of Trade Receivables Insurance:
- Continuous risk monitoring throughout the entire insurance period.
- Faster assessment of counterparties' solvency.
- Transfer of responsibilities related to the financial assessment of counterparties to the insurer, reducing both costs and risk.
- Protection of the company's long-term growth by minimising the risk of non-payment, even in cases where the current risk level is low.
Organisational Benefits:
- Reduced responsibility for individuals making financial decisions.
- The ability to explore new sales markets without concerns about the insolvency of new counterparties.
- Efficient use of company resources, with a focus on developing core areas of activity and identifying new sales opportunities.
Trade receivables insurance is an ideal solution for any business that offers deferred payment terms for its goods or services.
We encourage you to contact us to arrange an individual consultation.
Payment Protection
in Commercial Transactions
Protection against non-payment by a counterparty is a key aspect of every commercial transaction. Trade credit, commonly used as a form of financing in business activity, often involves risk on the part of the creditor, who delivers goods or services with deferred payment terms. In cases of delayed payments or customer insolvency, businesses may incur significant financial losses.
To minimise this risk, our company cooperates with leading insurers in both domestic and international markets. We offer insurance programmes tailored to the specific nature of our clients' operations and their business strategies.