Whole-turnover arrangements
Discuss protection across an agreed portfolio of customer debts.
BUSINESS & PROFESSIONAL
Trade credit insurance. Explained.
Assess unpaid customer invoices, buyer limits and the credit-control duties that go with the cover.
Start with what you need covered.
Trade credit insurance concerns specified losses when customers fail to pay trade debts. It works alongside credit control rather than replacing it. Compare eligible buyers and debts, credit limits, insured percentages and the reporting actions the business must take when payment becomes overdue.
UNDERSTAND THE OPTIONS
Different arrangements. Different details.
Selected risks
Ask whether particular buyers, contracts or exposures can be covered.
Export exposure
Discuss countries, payment terms and political risks with a specialist.
BEFORE YOU CHOOSE
Four conversations worth having.
Buyer limits
What approved limit applies to each buyer and how can it change?
Covered debts
Which invoices, payment terms and disputed debts qualify?
Your share
What percentage of an eligible loss is insured and what excess applies?
Credit control
When must overdue accounts be reported and further deliveries stopped?
Compare an actual offer
These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
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