Trade credit, excess-of-loss and top-up
OUR ASSESSMENT
QBE adds useful structure choices for firms whose requirement is not a straightforward whole-turnover policy.
Features to compare
- QBE offers several trade-credit structures, including excess-of-loss and funding-related protection.
- Its top-up product can add up to 100% of the underlying insurer’s cover, subject to the primary carrier’s agreement.
Limitations and checks
- Top-up is an additional layer, not a substitute for the primary policy. Match attachment, buyer limits and claims duties.
The question to ask
Is this primary, excess-of-loss or top-up cover, and when does it begin paying?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
