Trade Credit Insurance For Small Businesses

What is Trade Credit Insurance?

Trade Credit Insurance (TCI) sometimes referred to as accounts receivable insurance or export credit insurance protects businesses when a customer fails to pay because of bankruptcy, insolvency, or destabilizing political conditions.

Our solutions also guide your credit risk decisions through powerful insight on who to extend credit to and what limits to offer.

With more than 125 years of expertise, Allianz Trade offers an unparalleled underwriting and policy servicing capabilities.

Protect Your Small Business With Trade Credit Insurance

A Guide to Trade Credit Insurance eBook Thumbnail

Our Trade Credit Insurance enables you to offer B2B credit terms with confidence by insuring your trade receivables due within 12 months.

When a customer is unable to pay within the contracted terms (a protracted default), a trade credit insurance policy indemnifies a proportion (up to 95%) of the debt owed.

Trade Credit Insurance also informs your credit risk decisions through powerful insight on who to extend credit to and what limits to offer.

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How Much Does Trade Credit Insurance Cost ?

How your premium is determined:

Your B2B turnover
The countries where you operate
The type of customers you deal with
Your payment terms
The desired coverage percentage

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In many cases, the premium for credit insurance is less than 0.5% of turnover. Compare this to the average number of write-offs on your receivables, and you'll see that the investment is quickly recouped. 

Credit insurance comes in various types and sizes, which also determine the price. For some credit insurances, you set a fixed price per turnover class. For most common policies, we calculate the premium as a percentage of your turnover.

Turnover, exports, and sector

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Your trade credit insurance premium

+83 Million Businesses Monitored

2 Simple Steps to Understand Your Starting Price For Trade Credit Insurance

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"The quote provided on this page represents an estimate based on the information provided by the user, has no binding value and must be further investigated by our sales team who will be able to modify the final price based on further information and checks. The information contained herein is not intended to be complete descriptions of all terms, conditions, limitations or exclusions; are provided for general information purposes only. "

Summary

Turnover ($)

% Export

Trade Sector

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Your credit insurance policy would start from:

$

/ Annual payment

Estimate with discount

$

/ Annual payment

Estimate without discount

$

/ Annual payment

We're sorry, but a quote is not available at this time. Please contact us for more information and to find the solution that best suits your needs.

Summary box

Turnover ($)

% Export

Trade Sector

62,000+ Clients Trust Us

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Credit insurance offers invaluable protection when B2B customers fail to pay.

Growth can be risky without it, but what would be the annual cost of trade credit insurance for your business?

Get that answer here, in a matter of minutes.

There are 3 main reasons Allianz Trade might be the right partner for you :

Choose a straightforward contract.

We offer flexible and customizable solutions that adapt to your challenges. Save time with simplified online contract management. Maintain control over your budget with a fixed annual insurance premium based on your turnover. Our experts are here to listen and assist you.

Benefit from a comprehensive solution

You are informed in real time about the financial situation of your clients and prospects thanks to our exclusive information on companies worldwide. In case of non-payment, your cash flow will be protected. If your guaranteed receivable is not recovered, you will be compensated regardless of your client's legal situation.

Benefit from our global expertise.

Present in more than 50 countries, Allianz Trade US boasts a deep understanding of local specifics in terms of customer risk prevention and debt recovery on an international scale. We issue 20,000 credit decisions every day and guarantee 890 billion commercial transactions worldwide.

Discover our customers stories

Zak! Designs

Zak! Designs has leveraged the flexibility, transparent communication, and growth opportunities that trade credit insurance has instilled in the company as it has evolved over the years.

Read the story

Proterra Inc.

We kept a close eye on Proterra Inc., a company with a history of weak financials, to ensure our customers who they do business with were protected from an untimely non-payment event.

Read the story

Allianz global customer satisfaction rating

Total reviews: 430

That's what clients said about us

, 11/26/2024

Completely reliable

, 11/22/2024

We at BTX love working with all of Alliaz. The team is great and a pleasure to work with!

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Credit insurance solutions for small businesses

EZ Cover

Take advantage of a sales opportunity confidently even if the customer is not named on your current policy. Learn how Allianz Trade EZ Cover online portal can help you make an instant decision to continue growing your business.

Learn about EZ Cover

three co-workers Reviewing Credit Risk Data

Corporate Advantage

Our most popular traditional credit insurance option. Worried about your customers failing to pay their trade debts? Learn how Allianz Trade Corporate Advantage trade credit insurance policy can help cover receivables.

Learn about Corporate Advantage

What is Trade Credit Insurance?

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Protect Your Small Business With Trade Credit Insurance