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Trade Credit Insurance Covers Unpaid Invoices From Customers

Trade Credit Insurance covers the risk of non-payment when a customer fails to pay for goods or services supplied on credit terms, whether due to insolvency, protracted default, or other insured causes. It protects your cash flow against bad debts that can otherwise hit a business hard.

This is particularly relevant for businesses that extend credit terms to customers as part of normal trading, especially where a small number of large customers make up a significant share of revenue. We help you understand your exposure and arrange cover that protects against concentrated credit risk.

Which Sectors Often Need Trade Credit Insurance

These are the sectors where Trade Credit Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Construction & Infrastructure

• Manufacturing

• Transport & Logistics

• Trade & Subcontractor Services

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What You'll Need for a Trade Credit Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Customer Base

An overview of your customer base, including any concentration among a small number of large customers.

Credit Management

Details of your credit management processes, such as credit checks or debt collection practices.

Credit Terms

The credit terms you typically offer customers, and your annual credit sales.

Claims History

The details of any claims made in the past 5 years.

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How Trade Credit Insurance Differs From Related Products

Trade Credit vs. Business Interruption

Business Interruption covers lost income following an insured property event. Trade Credit covers unpaid invoices from customers — a financial risk rather than a physical one.

Trade Credit vs. Public & Products Liability

Trade Credit covers the financial risk of a customer not paying you. Public & Products Liability covers claims for injury or property damage caused by your business — a different type of risk, triggered by a different kind of event.

Trade Credit vs. Management Liability

Trade Credit protects against customer non-payment. Management Liability protects your business and its directors against claims about how the business is run — unrelated exposures that can both matter to the same business.

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