Trade credit insurance for Mid-Size Multinationals: navigating global uncertainty​

In 2025, businesses face a challenging global landscape marked by significant economic and geopolitical risks. Ongoing tensions between major economies, trade disputes, and sanctions contribute to volatility, while inflation and currency fluctuations, climate-related risks, and cyber-security threats add to an uncertain environment.

Trade credit insurance is an important tool for all businesses, but especially for Mid-Size Multinational companies navigating these challenging global trade conditions.

Your business is a Mid-Size Multinational if it operates internationally, has a turnover of €300 million or less, and has subsidiaries in multiple countries. You’re likely to have complex operational and financial processes and must navigate diverse regulatory environments. As a result, your trade credit insurance needs are specialised, and essential for your stability and growth.

Here, we’ve outlined your key trade credit insurance requirements in 2025, and how Mid-Size Multinational – our bespoke trade credit insurance solution designed especially for companies like yours – meets your every need.

With subsidiaries operating in various countries, your company requires clear and accessible insurance policies, with documentation correctly translated in multiple languages. While translation services are widely available, translating vital insurance documentation and contracts requires expert knowledge. Attention to detail from a specialist provider helps to ensure that your local teams fully understand the policy terms and benefits. This reduces the risk of confusion, ensuring consistent trade credit insurance protection across the business.

At Allianz Trade, we emphasise contract clarity, ensuring that your business and its subsidiaries understand the protections they have in place. Our Mid-Size Multinational solution ensures that master agreements are drafted in English, with a translation available in German for added convenience. Local contracts are typically drafted in English, with translations available in frequently used languages where possible.

Our Mid-Size Multinational solution leverages our proven standardized trade credit policy wording to ensure terms are both clear and widely applicable. This simplifies the contract structure, making it easier for your staff to understand their insurance coverage and manage risks effectively.

While multilingual documentation helps your multinational company at the local level, managing trade credit insurance negotiations centrally, from one location, simplifies the process for your business overall. Instead of your subsidiaries handling agreements separately, with different insurers in their respective countries, a centralised approach to negotiations allows you to agree a tailored solution that combines your global strategies with local needs. This approach also lowers the administrative burden for your subsidiaries, allowing them to confidently focus on growth.

These advantages are all included as part of our Mid-Size Multinational solution. The terms and conditions of your master agreement can be negotiated directly at your company’s headquarters, saving time and reducing administrative costs for your local teams. Your master agreement will be binding for all your subsidiaries, ensuring a consistent and transparent framework across your organisation and reducing the risk of any gaps or inconsistencies in your global coverage.

Operating in multiple countries comes with financial complexity. For example, Mid-Size Multinationals need multicurrency accounting systems to manage transactions across different markets, and strategies to ensure tax and regulatory compliance in each jurisdiction. Trade credit insurance plays a crucial role in securing your cash flow, protecting your payments against the risk of default or insolvency, as well as political risks. With our Mid-Size Multinational solution, you’ll receive expert support via our A-Team to help your company manage risks effectively and grow with confidence.

Strong and clear communication between Mid-Size Multinationals and their insurers is essential to ensure consistency of products and service delivery across countries and subsidiaries. More than just “one-size-fits-all” trade credit insurance support, multinationals typically require dedicated account management services from providers that understand both local needs and global strategies. Expert guidance in local languages could be essential for understanding contract wording, for example.

While our contract negotiation is centralised, Allianz Trade makes sure that your subsidiaries receive dedicated support at the local level. Our A-Team of experienced account managers offers expert guidance in the local language, for example, ensuring the terms of your agreement are fully understood. This blend of a centralised strategy and local expertise helps to instil your organisation with a sense of reassurance, with your staff knowing that your trade credit insurance coverage applies at every level of your business.

In an increasingly unpredictable global landscape, trade credit insurance continues to play a vital role in protecting Mid-Size Multinationals from financial and global risks. Allianz Trade’s deep expertise and proven track record provides the comprehensive protection and support your Mid-Size Multinational needs to navigate economic and geopolitical instability. Our high customer satisfaction scores speak for themselves. In the 2024 TCI customer NPS survey, 96% of our customers said they would recommend Allianz Trade as a trusted brand.

By combining centralised negotiation, dedicated local support, and clear and accessible terms, our Mid-Size Multinational solution empowers your growing global business to manage risk effectively, and grow confidently.