Trade Credit insurance

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Euler Hermes is the leading provider of trade credit insurance solutions. Our credit insurance enables companies of all sizes to trade with confidence at home or abroad. We help you pick the right customers to do business with and make sure that your invoices will be paid.


Why Trade Credit Insurance?

Each time you grant credit to your customers, your company is exposed to the risk of non-payment. There is a greater chance that a business will experience a loss within its accounts receivable than any other asset. With an average of 40 percent of a company’s assets in the form of trade debts, accounts receivable are a critical component of your balance sheet,  directly affecting cash flow and profitability. Yet while you insure your company against property loss, liability or other unpredictable, high-exposure events, you’re leaving one of your most valuable – and vulnerable – assets open to loss. Accounts receivable coverage through trade credit insurance offers a safer way to do business.
Trade credit insurance, also called accounts receivable insurance or trade credit risk insurance, is a financial tool that manages both commercial and political risks that are beyond a company’s control. It is protection against your customers’ failure to pay their trade debts. This can happen when your customer becomes insolvent or fails to pay within the agreed upon timeframe.

What Makes Euler Hermes Trade Credit Insurance Unique?

More important than mere risk transfer, a commercial credit insurance policy with Euler Hermes is an investment in a partnership with us. We help you leverage our knowledge and financial stability to realize several valuable benefits that can offset the cost of your policy many times over – even if you never make a claim.

Investing in a Euler Hermes trade insurance policy enables you to:


  • Grow sales safely, domestically and abroad, to new and existing customers
  • Protect your business from the risk of customer default and catastrophic loss
  • Improve the efficiency and results of your credit management department
  • Gain a competitive advantage in exporting by offering safe, open terms overseas
  • Reduce bad-debt reserves
  • Obtain greater access to bank financing, often at more favorable rates

As a virtual extension of your company, Euler Hermes provides the insight and resources you need to manage, maximize and protect your receivables. When you initiate a business credit insurance policy, our experts analyze your customers’ creditworthiness and financial stability. We then assign them specific credit limits; these are the amounts we will indemnify if those insured customers fail to pay. Our underwriters are industry specialists who will work closely with you to deliver in-depth credit analysis and ongoing account monitoring to provide early warning of potential credit risks before they become a loss. With thousands of policyholders from small businesses to large multinationals, Euler Hermes can show you how our accounts receivable insurance coverage delivers the value that matters to your company.

Knowing your customers




Euler Hermes expertise



Credit insurance solutions