What is Trade Credit Insurance?
Trade Credit Insurance (TCI) protects your business against the risk of non-payment by your customers. If a client becomes insolvent or defaults on payment, TCI reimburses you for the insured portion of the loss — helping to protect your cash flow and balance sheet.
What does Trade Credit Insurance cover?
Trade Credit Insurance generally covers:
Customer insolvency or bankruptcy — protection if a buyer cannot pay due to financial failure.
Protracted default — coverage when payment remains outstanding beyond an agreed period.
Political risk (for exports) — protection against non-payment due to government action, currency inconvertibility, or war.
Pre-shipment coverage (optional) — for manufacturers producing goods before receiving payment.
Policies can be tailored to specific markets, buyers, or portfolios — offering flexibility depending on your trading exposure and customer profile
Why buy Trade Credit Insurance?
There are many benefits to your business
Protect your cash flow and avoid major losses from customer insolvencies.
Enhance access to finance as banks view insured receivables more favourably as collateral.
Grow safely and expand into new markets or customers with confidence.
Improve credit management by gaining access to insurer intelligence and risk monitoring tools.
How much does Trade Credit Insurance cost?
Premiums typically range from 0.1% to 1% of insured annual turnover, depending on:
Industry and customer risk profile
Credit limits and buyer concentration
Historical payment performance
Policy structure (whole turnover vs. selective cover)
Many insurers also offer data insights on buyer creditworthiness — helping you make informed trading decisions beyond pure protection.
Who is Trade Credit Insurance for?
Trade Credit Insurance is suitable for:
Exporters and importers managing cross-border transactions.
Wholesalers, distributors, and manufacturers offering credit terms to clients.
Growth-stage companies expanding into new markets or taking on new customers.
Financial institutions and investors seeking credit protection on trade receivables.
In short, any business that sells goods or services on credit can benefit from trade credit protection.
Why work with Continuum?
Our in-depth knowledge of both the industry and the appetite of insurers allow us to advise clients on the appropriate solutions to help them protect their business and offer value to their clients. As a boutique risk and insurance advisory, Continuum works with leading global brokers and insurers to tailor trade credit coverage that aligns with your company’s trading footprint and risk appetite.
We focus on emerging market exposures, technology-driven businesses, and cross-border trade, ensuring your receivables are protected and your growth supported with confidence.
Choose your industry to find the coverage that suits you
Web 3.0 & Emerging Technology
Crypto, Digital Assets & NFTs
Financial Institutions
EduTech and E-Learning
Fintech, Insurtech and DeFi
Tech Start Ups and Developers
Digital Health and MedTech
