Insurance type

Trade Credit Insurance

Protection against customer insolvency, payment default and concentration risk in your debtor book.

What it covers

Cover shaped around the way your business actually operates.

UpSure brokers trade credit cover as part of a coordinated commercial insurance program. We review the risk, negotiate wording and benchmark the placement against the markets that understand your sector.

Debtor default

Customer insolvency

Export receivables

Claims examples

Situations where this cover may be tested.

These examples are illustrative only. Actual cover depends on the policy wording, limits, exclusions and the facts of the claim.

Major customer enters administration

A large debtor collapses before paying outstanding invoices, creating a cash-flow hit and potential bad debt.

Overseas buyer will not pay

An export customer defaults or delays payment beyond agreed terms, leaving the business exposed to recovery costs.

Concentration risk becomes real

A small number of customers represent a large share of receivables and one default threatens working capital.

UpSure approach

Market access, wording review and claims-led advice.

Contract-aware advice

We review obligations, indemnities and evidence-of-cover requirements before recommending structure.

Claims-led wording

We focus on exclusions, triggers, excesses and definitions that determine whether cover works at claim time.

Market negotiation

We approach underwriters with a clear risk story so the placement is not treated like a generic package quote.

Want to review your trade credit cover?

We can benchmark your current wording, limits and market options against the risk profile of your business.

Speak to a broker