Trade Credit Insurance Program from Coface North America
Protect your clients’ largest unsecured asset—their accounts receivable—with trade credit insurance from Coface North America. This program is designed to help businesses mitigate the financial risks associated with customer insolvency, slow payment, or outright default. Whether your clients are trading locally or globally, Coface offers tailored solutions that safeguard cash flow and support business growth.
Ideal Accounts and Appetite
This program is an excellent fit for companies of all sizes that extend credit terms to their customers. Ideal industries include manufacturing, wholesale distribution, food and beverage, electronics, and export businesses. If you have clients who rely heavily on a small number of large customers or operate in regions with higher political or economic risk, trade credit insurance can be a critical component of their risk management strategy.
Example scenarios:
- You have a client who exports consumer goods to multiple countries and wants to protect against foreign customer defaults.
- A regional wholesaler is looking to expand credit lines to new customers but is unsure of their financial strength.
Coverage Highlights and Advantages
A trade credit insurance policy from Coface North America offers more than just protection—it provides tools to grow your client’s business while managing risk. Key benefits include:
- Increased Sales Opportunities: Insured receivables enable your clients to safely offer higher credit limits to new or existing customers.
- Improved Financing Terms: Banks often view insured receivables as stronger collateral, which can enhance borrowing capacity.
- Credit Risk Assessment: Coface evaluates potential customers’ creditworthiness, helping your clients make informed decisions about extending credit.
- Global and Domestic Collection Services: Professional debt collection support is available both nationwide and internationally.
Credit insurance is also a valuable tool for companies navigating uncertain economic environments, helping to stabilize cash flow and reduce exposure to bad debt.
Underwriting Notes and Minimum Premiums
Policies are underwritten by Coface North America Insurance Company and, in certain cases, through special arrangements with other carriers. Coverage terms are customized based on each client’s industry, customer base, and risk profile. While a specific minimum premium is not listed, agents should be prepared to present accounts with meaningful receivables and a clear credit exposure profile.
Territories and Availability
This program is available in all 50 states and the District of Columbia. Whether your clients are based in California, Texas, New York, or anywhere in between, Coface North America can provide a tailored credit insurance solution that fits their geographic and operational scope.
Why Work With Coface North America
Coface North America brings deep expertise in trade credit risk, offering agents access to one of the most established credit insurance providers in the world. Their team supports brokers with risk analysis, policy structuring, and ongoing account servicing to ensure your clients receive responsive and strategic protection. From small exporters to large enterprises, Coface delivers flexible solutions backed by global resources and localized knowledge.
Frequently Asked Questions
What types of accounts are a good fit for this Trade Credit Insurance program?
This program is ideal for businesses that sell on credit terms, especially in industries like manufacturing, wholesale, distribution, and export. Accounts with significant receivables or concentration risk are a strong fit.
Does Coface offer credit insurance for international transactions?
Yes, Coface provides coverage for both domestic and international accounts receivable, helping your clients manage risk across borders.
Can this coverage help my clients secure better bank financing?
Yes. Insured receivables are often viewed more favorably by lenders, potentially improving your clients’ borrowing capacity and loan terms.
What value does Coface provide beyond the insurance policy?
In addition to coverage, Coface offers credit risk assessments, customer monitoring, and global collection services, helping your clients make smarter credit decisions and recover past-due receivables.
Is there a minimum premium requirement?
While a specific minimum is not listed, the program is best suited for businesses with significant credit exposure and meaningful receivables. Contact Coface for case-specific underwriting details.
Need help placing an account? Connect with a market specialist.