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Trade Credit Insurance for Customer Non-Payment Risk

Protect your business against customer insolvency, unpaid invoices and protracted default — locally and internationally.

  • Covers customer insolvency and non-payment
  • Protects cash flow and working capital
  • Supports domestic and international trade
  • Arranged by Australian insurance brokers
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No obligation. Cover structured to suit your customer portfolio and credit terms.

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Australian insurance brokers
Access to specialist trade credit insurers
Support for domestic and international trade risk
Understanding Your Cover

What Is Trade Credit Insurance?

Trade Credit Insurance protects businesses against financial loss caused by customer non-payment, insolvency or protracted default. It safeguards cash flow, reduces bad debt exposure and provides confidence when extending credit to customers.

This insurance is particularly valuable for businesses with large invoices, extended payment terms, multiple customers or international trading exposure. Trade credit insurance can also support stronger credit management and enable safer business growth.

Is This For You?

Who Trade Credit Insurance Is For

Trade Credit Insurance is commonly arranged by:

Manufacturers and wholesalers
Importers and exporters
Distributors and retailers offering trade credit
Construction suppliers and contractors
Professional service firms invoicing over time
E-commerce businesses supplying B2B customers
SMEs with growing accounts receivable
Businesses trading with new or international clients
Note: Any business extending credit terms or relying on timely customer payments should consider trade credit insurance essential.
Cover Options

What Does Trade Credit Insurance Typically Cover?

Insolvency of Buyers

Covers losses if a customer becomes bankrupt, enters liquidation or is otherwise insolvent.

Protracted Default

Covers unpaid invoices where a customer fails to pay within an agreed period despite having the ability to do so.

Debt Collection & Recovery Costs

Covers professional costs associated with pursuing overdue accounts or managing debt recovery.

Beyond the Basics

Additional Covers & Policy Extensions

Policy Options

How Trade Credit Insurance Is Structured

1

Policy Structure

Trade Credit Insurance is arranged annually to cover a portfolio of customers or approved buyers. Based on declared turnover, it protects against non-payment due to insolvency, protracted default, or specified political risks.

∞

Key Features

Credit limits apply per customer, with retentions or deductibles per claim or buyer. Premiums are calculated on turnover, industry, and debtor profile, with cover available for domestic or international exposures.

Why It Matters

Tailored trade credit solutions

Protects against unexpected customer non-payment

Improves cash flow certainty and working capital

Reduces insolvency risk from unpaid invoices

Enables safer trading with new or overseas clients

Provides professional support for credit management

Protect Your Cash Flow and Customer Risk

Speak with a broker experienced in credit and trade risk.

Get My Trade Credit Insurance Quote

Important: Trade Credit Insurance does not automatically cover disputed invoices, pre-existing debts, fraudulent conduct by the insured or late payment where the customer remains solvent and unable to pay. Coverage, limits, exclusions and credit management requirements vary significantly between insurers. Advice from a Seguro insurance broker is recommended to ensure alignment with customer portfolios and credit practices.

FAQ's

It covers losses arising from customer insolvency or non-payment of invoices issued on credit terms.
No. SMEs often benefit the most due to limited tolerance for bad debt and cash-flow disruption.
Yes. Policies can include domestic and international buyers, subject to underwriting approval.
Protracted default occurs when a customer fails to pay within an agreed timeframe despite being solvent.
No. Trade credit insurance generally excludes losses arising from contractual or invoice disputes.
Insurers assess buyers individually and approve credit limits based on financial strength and risk profile.
If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.
Yes. It can improve access to finance by strengthening receivables security for lenders.
Premiums depend on turnover, customer concentration, industry risk and claims history.
Many policies include or support professional debt recovery services.
A broker ensures correct structure, buyer limits and alignment with your credit terms and trading exposure.
Get My Trade Credit Insurance Quote