Atradius Atrium
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Credit Insurance
Trade credit insurance protects your business from bad debts. It insures your accounts receivable and protects your business from unpaid invoices caused by customer bankruptcy, political risks, or other specific reasons that you can agree with us.
Trade credit insurance is also sometimes known as debtor insurance, export credit insurance and accounts receivable insurance.
1. We assess the creditworthiness of your prospect or customer and inform you whether we can insure your sales to them, and if so, for how much.
2. You start trading and inform us regularly about your turnover with the insured customers. The frequency of the turnover declaration is defined in the contract.
3. Unpaid? Per the contract, we'll first attempt to collect the debt through our collection service. If unsuccessful, we'll settle your claims based on the agreed policy terms.
The cost of your credit insurance policy is calculated as a percentage of your turnover combined with the level of risk in your portfolio. The greater the risk, the higher the premiums.
Credit insurance usually costs between 0.1% and 0,5%. That means on a typical policy our customers pay between 10 and 50 Euro cents for every 100 Euro we insure.
Most of our customers pay their premiums on a monthly basis and renegotiate policy conditions at the end of their insured year.
- Grow your customer base by attracting potential buyers with favorable credit terms
- Expand your trade with the confidence to develop and grow your market
- Support cash flow, allowing you to strengthen relationships with suppliers and employees
- Safeguard customer relationships through improved communication and enhanced credit terms
- Improve access to finance and strengthen your relationship with your bank
- Meet the risk management requirements of your stakeholders or board, providing peace of mind
Credit Insurance Partners
For almost a century, Atradius has provided a range of credit risk management solutions to help protect companies around the world against the risk of credit payment defaults. In India, we provide reinsurance support to New India Assurance Company (NIA) and HDFC ERGO, who underwrite trade credit insurance policies designed and approved by Atradius in our capacity as a reinsurer, according to our global risk information knowledge and underwriting standards and processes.
Atradius India helps their partners to provide our customers with the highest levels of credit management support. Our work includes assessing the creditworthiness of customers and prospects, credit management and debt management services. We work to help you keep credit management administrative costs low and manage outstanding receivables while maintaining strong relationships with your customers.
Credit Insurance in India
In India, credit insurance solutions are provided by our local partners, The New India Assurance Company (NIA) and HDFC ERGO. We provide high quality credit management support, including professional debt collection services and have access to the knowledge and expertise of our trade credit colleagues throughout the world.
Beyond India’s borders Atradius is a world leading provider of credit insurance, bond and surety, collections and information services. Operating in more than 50 countries and located on every continent, Atradius has been providing business trade support for almost 100 years.
Learn how trade credit insurance can help mitigate your risk and protect your cash flow in this short video: Credit Insurance – Explained by Atradius.
Our customer service
What is our service promise
Easy account management
You can manage your daily policy activites and analyse your portfolio of your customers directly through our credit management hub - Atradius Atrium.
One policy, personalised options – Modula
Modula allows for varying levels of risk and need between customers to be clearly identified and differentiated. Providing a single policy promotes standardisation and clarity, while the individual modules allow for a custom fit and a policy suited to each individual need.
Debt collections brings peace of mind
In addition to covering up to a maximum of 95% of bad debts, our debt collections service is an integral part of your policy. This means that, for no additional cost, we will help you settle outstanding invoices through our network of collections specialists throughout the world.
Local expertise in local markets
Our experienced team are located throughout the world to support your business in any country, time zone, currency and language.
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