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Protect your business with Trade Credit insurance
As a competitive business, you’ll do whatever it takes to attract new customers – including offering flexible payment methods like trade credit. While this may seem like a big risk to take, when you’re covered by the right insurance you can rest assured that you’re protected against non-payments.
What is Trade Credit insurance?
A type of 0% financing, trade credit is an agreement that allows a customer to purchase goods without paying upfront. Instead, they’ll usually have 30, 60, or 90 days to pay via invoice. Trade Credit insurance protects sellers against the risk of not being paid for these goods by the set date.
Why do I need Trade Credit insurance?
If your business offers, or plans to offer, trade credit as an option to its customers, you need to protect yourself against the possibility that they may not repay what’s owed – whether they delay repayment or just avoid it altogether. But beyond protection against non-payment, Trade Credit insurance can also allow your business to expand into new markets, obtain better finance terms, reduce bad-debt reserves and improve sales.
What does Trade Credit insurance cover?
Accidents happen – and when they do, you need to know you’re protected. In these scenarios, Employers’ Liability insurance steps in:
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Extended payment defaults
Gets your money back if a customer misses a payment or fails to meet repayment deadlines
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Customer insolvency
Protects you should a customer be unable to pay due to undeclared insolvency or bankruptcy
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Political or climate-related risks
Covers you if a customer can’t pay due to war or natural disaster in their country
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Currency restrictions
Ensures you’re protected if the economy collapses or currency is no longer valid in your customer’s home country
Picture This...
A company signs an annual SaaS contract with you worth £100,000, payable in monthly instalments. Four months in, they’re acquired — and shortly after, the original entity is wound up and stops making payments. This leaves £75,000 outstanding. Because you hold Trade Credit insurance, the protracted default/insolvency of the original buyer is covered, allowing you to claim and recover the unpaid balance, protecting your cash flow.
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Contact us
Take your next step.
If you’re interested in how we can help or just want to introduce yourself, get in touch. We’re always happy to talk. Alternatively you can book a meeting with one of the team using the Capsule Calendar.