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Trade Credit Insurance Program from Coface North America Protect your clients’ largest unsecured asset—accounts receivable—with Trade Credit Insurance from Coface North America. This program helps businesses manage the financial risk of customer insolvency, slow payment, or outright default. Whether your clients sell domestically or export internationally, Coface provides tailored solutions that stabilize cash flow and support growth. Ideal Accounts and Appetite This offering is a strong fit for companies of all sizes that extend commercial credit to customers. Typical industries include manufacturing, wholesale distribution, food and beverage, electronics, and exporters. The program is particularly useful for businesses with concentration risk (a few large customers), rapid sales growth, or exposure to higher-risk countries and buyers. Example scenarios: A mid-sized exporter shipping consumer goods to multiple overseas buyers who wants protection against foreign customer defaults. A regional wholesaler looking to expand credit lines to new distributors but needs assurance on buyer creditworthiness before increasing exposure. Coverage Highlights and Advantages Coface’s Trade Credit Insurance does more than cover bad debt — it enables commercial expansion while managing credit risk. Key benefits include: Increased sales capacity: Insured receivables let clients safely offer larger credit lines to new or existing customers. Stronger financing position: Banks often view insured receivables as enhanced collateral, which can improve borrowing capacity and terms. Credit intelligence: Coface provides credit assessments and ongoing buyer monitoring to help underwrite and manage accounts receivable risk. Collection support: Professional domestic and international collection services help recover past-due amounts when appropriate. In uncertain economic environments, credit insurance is an effective tool to stabilize cash flow, reduce bad-debt volatility, and support strategic sales decisions. Underwriting Notes and Minimum Premiums Policies are underwritten by Coface North America Insurance Company and, in some situations, placed through special arrangements with other carriers. Coverage terms are customized to each account portfolio based on industry, buyer mix, and overall exposure. Although no single minimum premium is published, the program is generally suited to businesses with meaningful receivables and identifiable credit exposure. Present clear AR schedules and concentration details to speed underwriting. Territories and Availability This Trade Credit Insurance program is available in all 50 states and the District of Columbia. Coface can tailor solutions for clients who sell regionally, nationally, or globally — including policies that cover international buyers and political risk in select territories. Why Work With Coface North America Coface North America combines global credit risk expertise with local account servicing. Agents and brokers gain access to experienced underwriters, buyer credit information, and international claims and collection capabilities. Coface supports brokers through policy structuring, ongoing account reviews, and practical tools that help clients grow sales with controlled risk. Frequently Asked Questions What types of accounts are a good fit for this Trade Credit Insurance program?This program fits businesses that sell on open account terms—especially manufacturers, wholesalers, distributors, and exporters. Accounts with sizeable receivables or customer concentration are a particularly good match. Does Coface offer credit insurance for international transactions?Yes. Coface provides coverage for both domestic and international accounts receivable and can help manage buyer and country risk across borders. Can this coverage help my clients secure better bank financing?Yes. Insured receivables are commonly treated more favorably by lenders, which can improve borrowing capacity and loan pricing for your clients. What value does Coface provide beyond the insurance policy?Beyond indemnity, Coface supplies credit risk assessments, buyer monitoring, and global collection services—tools that help clients make informed credit decisions and recover overdue receivables when appropriate. Is there a minimum premium requirement?No universal minimum is published. The program is best suited for accounts with meaningful receivables and clear credit exposure—contact Coface for case-specific underwriting guidelines. Need help placing an account? Connect with a market specialist.