Protect Your Cash Flow

Trade Credit Insurance

Protect your cash flow from customer insolvency or non-payment. Covers domestic and export receivables for businesses of all sizes.

Get a Trade Credit Review Call 09 307 1295

Why Trade Credit Insurance Matters

For most NZ businesses, accounts receivable is one of the largest assets on the balance sheet — yet it's often completely uninsured. When a customer fails to pay due to insolvency, protracted default, or political risk (for exporters), the impact on cash flow can threaten your own business's survival. Trade credit insurance protects your receivables against non-payment, giving you the confidence to trade on credit terms, extend into new markets, and grow your business without the fear of a single bad debt bringing everything down.

What We Cover

Our trade credit programmes cover your entire receivables ledger or specific large buyers — depending on your risk profile and commercial needs.

Cover Types

Whole Turnover Cover

Key Buyer Cover

Export Credit

Domestic Receivables

Political Risk (Exports)

Protracted Default

Insolvency Cover

Pre-Shipment Risk

Single Contract Cover

Excess of Loss

Who Is This For?

Manufacturers and wholesalers

Exporters and importers

Service businesses with large receivables

Construction and trade companies

Agricultural exporters

Companies expanding into new markets

Why Exclusive Insurance Services?

Specialist trade credit underwriters

Real-time buyer monitoring and credit intelligence

Claims support for debt recovery

Programmes scalable from SME to enterprise

Talk to an Adviser

Get specialist advice tailored to your situation. No obligation, no pressure.

Start Insurance Review 09 307 1295

What Insurers Typically Need

Information an insurer may require

Underwriters generally ask for the following when quoting or renewing this class of risk. Being ready with accurate information usually improves outcomes on price and wording.

Turnover split by domestic vs export and by industry sector

Debtor ledger: number of buyers, top-10 concentration and average payment terms

Bad-debt history over the last 3–5 years and any current arrears

Credit-management processes: limits, collections, dispute resolution

Standard payment terms and any retention-of-title / security arrangements

For exporters: countries traded with and any political-risk exposure

When Something Happens

Claims considerations

We help manage the claims process from notification through to settlement, coordinating with you, the insurer and other parties involved and advocating for your interests throughout. Things that commonly affect a claim in this area:

Trade-credit policies require early notification of overdue accounts — waiting until protracted default crystallises usually reduces recovery.

Retain evidence of the debt: purchase orders, delivery dockets, invoices and any dispute correspondence.

Policy limits and buyer-specific credit limits are separate — a single large loss can exhaust the buyer limit even when the whole-turnover limit remains.

For export claims, currency of loss and jurisdiction of the debtor can affect settlement.

Frequently Asked Questions

What does trade credit insurance cover?

Trade credit insurance covers your accounts receivable against non-payment by customers due to insolvency, protracted default (customer simply doesn't pay), or political risk (for export receivables). It typically pays 80-90% of the outstanding invoice value.

Is trade credit insurance worth it for small businesses?

Yes. Small businesses are often more vulnerable to the impact of a single bad debt than large companies. If losing your largest customer's receivable would seriously impact your business, trade credit insurance is a cost-effective protection.