We provide trade credit insurance for businesses selling goods or services on credit terms, recognising that your debtors ledger often represents one of your largest and most concentrated risk exposures. Our team structures policies that respond when customers fail to pay invoices due to insolvency, administration, or protracted default beyond agreed credit terms. Coverage is typically arranged on a whole-turnover basis protecting your entire customer portfolio, or on a key accounts basis for businesses with concentrated exposure to specific major customers. We ensure credit limits are established for individual buyers reflecting their financial strength and payment history, with insurers providing ongoing monitoring of customer creditworthiness and early warning notifications when deteriorating financial conditions increase non-payment risk.

As an independent broker, we access specialist trade credit markets including global credit insurers with substantial expertise in Australian and international debtor assessment. We ensure policies respond to both domestic and export receivables, protecting businesses selling to overseas customers against the additional complexities of cross-border insolvency and foreign exchange complications. We arrange appropriate policy structures including first loss deductibles and co-insurance percentages that align with your risk appetite, with premium structures reflecting your customer portfolio quality, industry sector, and claims history. For businesses with seasonal trading patterns or lumpy revenue profiles, we structure policies that accommodate fluctuating debtor balances without requiring constant premium adjustments.

Our services include coordinating trade credit insurance with your debtor management and credit control procedures, ensuring compliance with policy conditions regarding credit limit adherence, overdue account management, and timely claims notification that are essential to maintaining coverage validity. We arrange extensions for pre-delivery risk covering work in progress and goods manufactured to order that could be abandoned if customers cancel orders before delivery. For businesses using invoice finance or debtor financing facilities, we coordinate trade credit insurance with financier requirements, ensuring lenders' interests are noted and coverage supports your financing arrangements. We assist with claims documentation and lodgement, ensuring non-payment events are properly notified and claims are prepared to maximise recovery under the policy.

From manufacturers and wholesalers through to service businesses and exporters trading on credit terms, we deliver trade credit solutions that protect your revenue and support business growth. Our focus is on securing comprehensive debtor protection with realistic credit limits, efficient claims settlement, and ongoing customer monitoring that provides early warning of potential non-payment events, allowing you to take proactive steps to protect your position before losses crystallise.