Trade Credit

Trade Credit Insurance helps protect businesses that offer goods or services on credit terms and rely on clients or customers paying their invoices on time. If you carry a certain level of accounts receivable, there’s always some uncertainty even strong customers can face cashflow pressure, market challenges, or insolvency with little warning.

Who Needs It

This cover is well established among wholesalers, manufacturers, transport and logistics operators, construction and trade suppliers, importers and exporters, labour hire firms, and professional or industrial service providers. For businesses that rely on timely customer payments to maintain operational continuity, Trade Credit Insurance may assist in managing the financial impact when customers are unable to meet their payment obligations.

Why It Matters

When a major customer stops paying or becomes insolvent, the financial pressure is immediate. Trade Credit Insurance helps soften the impact, supporting cashflow, supplier commitments, and day‑to‑day operations.

RELEVANT INDUSTRIES

Trade Credit Insurance is used across a wide range of industries, including:

  • Manufacturing and fabrication
  • Wholesale and distribution
  • Construction and civil supply chains
  • Transport, logistics and warehousing
  • Agriculture and commodities
  • Import/export businesses
  • Labour hire and contract services
  • Professional or industrial services with extended trading terms

Any business carrying receivables large or small faces this type of exposure.

Moment of Truth

A long‑standing customer goes into administration, leaving a significant unpaid balance. Your goods or services have already been delivered, the invoices are overdue, and recovery options are limited. Cashflow tightens quickly. This is where Trade Credit Insurance proves its value. The insurer steps in to assess the situation, manage recovery efforts with administrators or liquidators, and help reduce the financial impact on your business. This support helps protect working capital, maintain supplier and payroll commitments, and gives your business room to move forward with clarity during a challenging period.

When your work involves the public, accidents can happen even after handover.
We help you manage those risks.

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