Business Credit Insurance Brokers
of the United States

We serve businesses in the United States that sell to businesses anywhere in the world.

What is Business Credit Insurance?

Business credit insurance is a specialized form of commercial property and casualty insurance coverage that offers companies protection against the financial consequences of their customers' bankruptcy, insolvency or protracted default (slow pay). It protects the policyholder's accounts receivable from exposure to excessive business credit losses.

Business credit insurance policies are individually tailored to meet the wants and needs of the policy holder. This is one reason why you should be sure the person(s) you are dealing with have a full understanding of where your business is and where it is going. Also, if you use a business credit insurance broker, the broker should know which insurer will be best suited for your business. While there are only a few business credit insurance providers in the United States that provide business credit insurance, there may be one or two that are better suited to meet your business's needs and/or size.

Accounts receivable can be one of a company's largest, yet most vulnerable asset. Just as inventory and equipment are routinely insured, it makes good business sense to have coverage for this valuable resource. After all, this is when your product or service has it's highest value and it is at a point where you have the least amount of control (it has left the premises).

Typically, the cost of a credit insurance policy is a small fraction of 1 percent of covered sales. When an insured sustains a covered loss, the insurance company reimburses the loss up to 100 percent above a pre-established deductible and/or coinsurance. The deductible reflects the expected loss ratio of a company of a certain type and size. The coinsurance encourages a partnership between the insured and the insurer.