Protect your business from bad debt
Trading on credit terms exposes you to customer non-payment risk. Trade credit insurance protects your cash flow, strengthens your balance sheet and gives you confidence to extend credit to reliable customers — and to identify risky ones before they become problems.
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Specialist bad debt protection for your business
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Trade credit insurance · Protect your business from bad debt · 0208 909 2899
Trade credit insurance for growing businesses
Whether you trade domestically or internationally, we have credit insurance that covers the sectors and markets where you operate.
Manufacturing & Wholesalers
Protect large credit exposures to distributors and retailers. Cover your credit limits and identify buyers before extending terms.
Distribution & Supply
Specialist cover for supply chain businesses trading with multiple customers across different sectors and geographies.
Professional Services
Bad debt protection for consultants, agencies and service providers trading on credit terms to corporate clients.
Six essential trade credit protections
Our policies cover the key risks facing businesses that trade on credit. Choose standalone cover or combine coverages for tailored protection.
Insolvency Protection
Covers losses from customer insolvency, administration, or receivership. Recover a percentage of debts when buyers fail.
Protracted Default
Protection against customers who fail to pay within a defined period (typically 90–120 days) despite having the means to do so.
Political Risk
Cover for overseas sales against foreign government action, war, civil unrest and currency inconvertibility that prevent payment.
Credit Limit Management
Expert credit assessment, buyer vetting and ongoing monitoring. We identify risky customers before you extend credit.
Debt Collection Support
Our team pursues outstanding debts on your behalf, maximizing recovery rates and reducing administration burden.
Single Buyer Cover
Standalone protection for high-value customers or new trading relationships. Flexible limits tailored to your exposure.
Credit specialists with active claims management
We combine expert credit underwriting with aggressive debt recovery. Our specialists understand your cash flow challenges and know how to maximise claims.
Credit Specialists
Dedicated team with 30+ years' experience in trade credit. We speak the language of commercial risk and cash management.
Market Access
Established relationships with global insurers. We place cover quickly and handle claims without delay.
Active Credit Management
We monitor your buyers continuously, alert you to deteriorating credit and help you make informed decisions on extending terms.
Claims Recovery
Proactive debt recovery team. We pursue defaults aggressively, maximising your recovery and minimising your losses.
Trade credit insurance explained
Answers to the most common questions our customers ask.
Trade credit insurance protects businesses that sell goods or services on credit terms. It covers losses from customer insolvency, protracted non-payment, and (for overseas sales) political risk. Any business trading on credit—manufacturing, distribution, wholesale, or professional services—can benefit from protection against bad debt losses and the cash flow disruption they cause.
The policy reimburses you for losses when customers fail to pay due to insolvency or protracted default. Beyond financial protection, we provide credit assessment services to vet buyers before you extend credit, ongoing monitoring to alert you to deteriorating credit, and active debt recovery support to maximise what you collect. This protects both your cash flow and your balance sheet.
Insolvency cover protects you when a customer enters receivership, administration, liquidation, or fails to pay within a specified period (typically 4–6 months after invoicing). You receive compensation for the unpaid debt, less the insurer's percentage recovery (typically 10–20%). This cover applies to domestic and overseas customers depending on your policy scope.
We offer both approaches. Whole-turnover policies cover all your credit sales above a minimum threshold, giving you comprehensive protection. Single buyer policies protect high-value customers or new trading relationships where you want targeted cover. We can also combine both—covering most customers under whole turnover and adding extra limits for key accounts.
Premiums depend on your turnover, the sectors you trade in, your claims history, and the cover you select. Most businesses pay 0.5–1.5% of turnover, though rates vary. The investment often pays for itself in a single avoided bad debt. Contact us for a quote tailored to your business and risk profile.
Ready to protect your business?
Get a specialist trade credit insurance quote today. Our team will assess your credit exposures and recommend tailored cover within 24 hours.