Trade Credit Insurance

Protect your business against bad debt and secure your cash flow

Monitor customer risk in real-time, unlock new domestic and export growth opportunities, and trade with confidence knowing your accounts receivable are protected.

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0 Companies Monitored

0 Limits in 48h

0 Countries Covered

0 Claims Paid Weekly

What is Trade Credit Insurance?

Selling goods and services on credit terms is essential for B2B growth, but it exposes your business to the risk of non-payment.

Trade credit insurance protects your accounts receivable against the failure of a customer to pay for products or services delivered. Whether a buyer becomes insolvent or simply fails to pay on time, this insurance ensures your cash flow remains secure, your capital is protected, and your business can continue to grow without the fear of catastrophic bad debt.

The Foundation of Sound Credit Management

Trade credit insurance is more than just a safety net. It provides the knowledge to pick and keep the right customers, offers coverage and risk monitoring for default or slow pay, manages both commercial and political risks, and helps maintain your capital and cash flows.

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Risk Monitoring

Access to comprehensive databases monitoring millions of businesses worldwide. Get real-time insights into financial health, sector risks, and country ratings.

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Debt Collection

Expert recovery services when customers fail to pay. Our insurer partners leverage international networks to recover funds on your behalf.

Core Protections for Your Business

When you arrange trade credit insurance through Dixons Commercial Insurance Brokers, you gain access to comprehensive risk management tools from a panel of leading global insurers.

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Protection Against Bad Debt

If a customer becomes insolvent or fails to pay within agreed terms, the policy indemnifies your business for the outstanding invoice value, protecting your profit margins and working capital.

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Proactive Risk Monitoring

Access exclusive worldwide databases monitoring over 83 million businesses across 160+ countries. Gain deep insights into financial health, sector risks, and country ratings.

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Export & Political Risk Cover

Eliminate the need for restrictive Letters of Credit. Offer competitive open terms to overseas buyers while protecting against currency inconvertibility and geopolitical disruptions.

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Better Financing Terms

Export receivables are no longer non-performing assets, allowing you to secure more favorable financing from banks and lenders.

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Competitive Advantage

Offer more favorable payment terms to customers with confidence, knowing you're protected against non-payment.

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Expert Debt Collection

In the event of a buyer's insolvency, your insurer provides expert debt collection and recovery services, leveraging international networks to recover funds.

Tailored Solutions for Every Business

We work with specialist underwriters to tailor coverages to your exact operational needs

Comprehensive Product Range

Short-Term Credit Insurance

Cover your receivables due within 12 months against risk of non-payment (commercial and political risks). Ideal for standard B2B trading relationships.

Medium-Term Cover

Cover for medium-term capital goods or leasing transactions against breach of contract or unpaid invoices up to 60 months.

Specialty Credit

Structured trade credit solutions and single transactions from short-term to mid-term time horizon, up to 15 years.

Excess of Loss

Cover for exceptional trade credit losses. Policy based on customer's credit management procedures for larger organizations.

Surety & Guarantee

Covers specifically the non-fulfilment of contract obligations, providing additional security for complex projects.

Fidelity (Fraud Cover)

Protection against external and internal fraud, adding an extra layer of security to your operations.

Industry-Specific Solutions

Bespoke coverage designed for your sector's unique requirements

Construction & Engineering

Applications, variations, retentions and day works
Work in Progress (WIP) cover
Advanced payment protection
Consignment stock cover
Binding contract cover
Concentration risk solutions

Travel & Tourism

Cover for Cash Agents above ABTA CAP
Cover for Credit Agents with negotiated terms
Confirmed bookings protection
Pipeline monies cover (up to 18 months)
Advanced payment third party cover
Recognition of seasonal peaks

Manufacturing & Wholesale

Goods held at customer premises
Consignment stock arrangements
Delayed effect notice periods
International trade protection
Supply chain risk management
Large concentration risk cover

Why Choose Trade Credit Insurance?

More than just insurance – it's a comprehensive risk management solution

Companies Monitored

Access real-time intelligence on businesses across 160+ countries

Credit Limits in 48h

Fast turnaround on credit limit requests to keep your business moving

Claims Weekly

Proven track record of supporting businesses when they need it most

Risk Experts

Instant access to market intelligence and economic insights

Ready to Protect Your Business?

Don't let bad debt dictate your growth. Contact the commercial team at Dixons Commercial Insurance Brokers today for a confidential, no-obligation review of your trade credit risks.

🎁 Ask about our Free Credit Check Initiative – Review up to 10 of your key customers at no cost

We work with a panel of leading global insurers to ensure you get the most competitive terms, widest credit limits, and best claims support.

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Frequently Asked Questions

What is trade credit insurance?

Trade credit insurance protects your accounts receivable against the failure of a customer to pay for products or services delivered on credit terms. It covers commercial risks like customer insolvency and protracted default, as well as political risks for export transactions.

How much does trade credit insurance cost?

The cost of trade credit insurance varies based on your turnover, industry sector, customer base, and risk profile. Contact Dixons Commercial for a free, no-obligation quote tailored to your specific business needs.

What businesses need trade credit insurance?

Any B2B business that sells goods or services on credit terms can benefit from trade credit insurance. This includes manufacturers, wholesalers, construction companies, travel agencies, and exporters who want to protect their cash flow and mitigate bad debt risk.

Can trade credit insurance help with exporting?

Yes, trade credit insurance is particularly valuable for exporters. It protects against political risks, currency inconvertibility, and buyer insolvency in foreign markets. It also eliminates the need for restrictive Letters of Credit, allowing you to offer competitive open terms to overseas buyers.

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