Excess of Loss

Credit risk management solution to improve balance sheet efficiency

Fortify your cash flow and balance sheet

Protect your business against major losses that could impact your cash flow, balance sheet and survival with Allianz Trade Excess of Loss. We offer cover for severe losses that exceed a specified threshold, with solutions customized to the needs of your business. Designed to work alongside your existing credit risk management processes to shield against the unexpected.

Allianz Trade Excess of Loss can protect your business from major losses as a result of payment default, partner insolvency and political risk.

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Stable, dependable protection

Allianz Trade is rated AA by Standard & Poor's. Our Excess of Loss solution provides stable, dependable protection with 12-month non-cancellable limits, and is customizable to suit the changing needs of your business.

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Peace of mind in challenging times

Our dedicated teams are on hand to build the right solution for your business. Tap into our unique global database of 289 million companies allowing you to enter new markets with confidence.

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Excess of Loss, frequently asked questions (FAQs)

Which risks are covered with Excess of Loss?

Excess of Loss typically covers default, insolvency risk, and political risk.

What are the main differences between Excess of Loss and traditional trade credit insurance?

The main difference lies in the amount of coverage available and the checks performed when creating the policy. Excess of Loss is suitable for businesses with their own strong, well-established credit risk management capabilities, enabling them to set their own credit limits.

In contrast, when writing traditional trade credit insurance in-depth diligence on all of a business’ customers is performed, with review and approval on credit limits managed by Allianz Trade.

However, these two types of insurance are not mutually exclusive and can be combined to create hybrid solutions to address specific customer groups for your business.

What are the benefits of Allianz Trade Excess of Loss?

Excess of Loss insurance policies are tailored to each individual business’ unique needs and are designed to complement and enhance existing strong credit risk management processes. It offers several benefits, including:

· Certainty of non-cancellable limits

· Customizable terms based on credit management and policy structure

· Flexibility to set your own credit limits, leading to higher coverage levels

· Minimal policy administration

· Access to Allianz Trade’s proprietary intelligence network for unique insights into corporate insolvencies and global trade trends

When is the right time to consider Excess of Loss?

Given current market volatility and the uncertain business landscape globally, Excess of Loss provides multinationals with crucial protection against major, unpredictable losses that could seriously threaten their financial stability.

It provides flexibility in credit management, addresses emerging risks like geopolitical tensions and regulation, and is tailored to suit a global portfolio with multiple, complex exposures. Excess of Loss solutions can be customized to match specific risks and align with your business’ strategy. In times of market uncertainty, it provides companies with an essential additional line of defense, allowing multinationals to focus on growth while mitigating risks.

Get in touch to learn more about Excess of Loss

Our global team is made up of experts from across banking, corporate, exporters and insurance, bringing diverse experience and a better understanding of the needs of multinationals and financial institutions.

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Discover more about how Allianz Trade for Multinationals can support your business

Solutions for Multinationals

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, Surety bonds, business fraud Insurance, debt collection processes and e-commerce credit insurance 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. Everyone at Allianz Trade is encouraged and supported in giving back to communities around them and sharing the benefit of our skills and resources. As a financial services business, we are especially dedicated to raising the level of financial literacy through our business Tips & advice so that individuals can live their lives in confidence and security. We are also strongly committed to fairness for all, without discrimination, among our own people and in our many relationships with those outside our business.