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Trade Credit Insurance Allianz Trade

Trade Credit Insurance  

Trade credit insurance protects your account receivables enabling you to trade, expand domestically and abroad without the risk of bad debt.

Trade Credit Insurance (TCI) sometimes referred to as accounts receivable insurance, debtor insurance, or export credit insurance protects businesses when a customer fails to pay because of bankruptcy, insolvency, or destabilizing political conditions. With more than 125 years of expertise Allianz Trade offers an unparalleled underwriting and policy servicing capabilities.
 
TCI policies underwritten by Allianz Global Corporate & Specialty SA Limited FSP No 16722

Protect your business credit

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.

Advantages of Trade Credit Insurance

  • Protection: Our policy quickly replaces the money lost through bad debt and strengthens your cashflow
  • Growth: Expand confidently domestically or internationally with a strong risk tolerance when accepting new orders
  • Insight : Benefit from permanent monitoring of the financial situation and credit risk of your customers and prospects
  • Profitability: Optimized recovery of unpaid debts at Minimal management costs
  • Funding: Receivables protection improves banks’ lending confidence
  • Competitiveness: Improve customer relationship by offer credit terms even when competitors can’t

How much does Trade Credit Insurance cost?

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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?

Contact us and get the answer.

Data Protection:

Any information or material sent via this website will be processed in accordance with the legal and regulatory stipulations. Allianz Global Corporate and Specialty shall observe the provisions of applicable and prevailing data protection legislation (South African data protection law) when recording or processing data. Your identification or protocol data (e.g. username and time of use), will be processed and used for the purpose of documentation and accounting.

Seamless Coverage for Your Growing Success

For small 

businesses

If you’re concerned about bad debts holding your business back, peace of mind is a step away. Our solutions are designed to cut the time you spend managing customer debts.

For medium and large businesses

Use Trade Credit Insurance to protect cash flow and receivables, find out how it works and how we provide tailored risk management solutions for bigger companies.

Manage risk for international business

Exclusively for organizations operating across 2+ countries with business turnover over £500 million, our expert team knows and will adapt according to your complex financial structures.

Most asked questions

Trade credit insurance covers your receivables due within 12 months so that your cash flow is safeguarded. Our information tracks the financial health of your customers and we update you so that you can trade with confidence.  If your customers become insolvent or fall into protracted default, you will be indemnified for the cost of goods and services you have delivered.
  • We start by assessing the creditworthiness and financial stability of your customers, in order for us to underwrite safe credit limits on them, with risk coverage up to the agreed limit.
  • We provide regular updates on those trading limits, adjusting them based on changing conditions. And we support your business growth by repeating this process for new customers.
  • In the event you tell us about a non-payment for an insured customer, we investigate, and if policy terms are met, we indemnify you for the insured amount.
  • Any business that sells goods or services on credit terms to other businesses can benefit from trade credit insurance. This includes businesses of all sizes and all industries, from small and medium-sized enterprises to large multinational corporations.
  • Trade credit insurance covers your business against the risk of non-payment by your customers due to insolvency, protracted default, or, where applicable, certain political events.
  • Predict: Gain access to comprehensive and up to date information on the changing risk within your customer portfolio. Track and manage customer orders and payments more confidently.
  • Protect: Trade receivables are protected and your cash flow and profit line will be more secure. The strength of the business will be clear to banks, auditors and investors.
  • Grow: Identify opportunities for growth and expansion. Release resources to develop sales with new customers and in new markets.

Insure your trade with additional services

Protect against bad losses

Protect and grow your business.  Have the confidence to trade, and get paid.
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Mitigate your business risks

Reliable and sustainable provider of credit risk management solutions for multinationals operating globally.
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Why Trade Credit Insurance from Allianz Trade?

CUSTOMER HEALTH

We analyse the credit worthiness and financial stability of your customers.
 

CREDIT LIMIT CALCULATED

Each customer has a limit which is the maximum amount we will indemnify if that customer fails to pay.

BUSINESS AS USUAL

You trade with your existing customers as you wish, with the risk covered up to the limit.

TRADING LIMIT UPDATES

We keep you informed of adjustments to limits as they may be raised or reduced when conditions change.

BUSINESS BUILDING

You check the credit worthiness of potential new customers. We confirm agreement or explain if your request is declined.

MAKING A CLAIM

You tell us if a customer fails to pay, we investigate, then indemnify you for the insured amount if policy terms have been met.
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Our expertise and commitment

Allianz Trade is the global leader in  trade credit insurance and  credit management, offering tailored solutions to mitigate the risks associated with  bad debt, thereby ensuring the financial stability of businesses. Our products and services help companies with risk management, cash flow management, accounts receivables protection and debt collection processes ensuring the financial resilience for our client’s businesses. Our expertise in risk mitigation and finance positions us as trusted advisors, enabling businesses aspiring for global success to expand into international markets with confidence.

Our business is built on supporting relationships between people and organizations, relationships that extend across frontiers of all kinds - geographical, financial, industrial, and more. We are constantly aware that our work has an impact on the communities we serve and that we have a duty to help and support others. At Allianz Trade, we are strongly committed to fairness for all without discrimination, among our own people and in our many relationships with those outside our business.