Sell More, Worry Less!
Comprehensive trade credit insurance for Indian exporters and B2B businesses. Get protection against customer payment defaults and bad debts with coverage that pays when customers can’t.
When Customers Ghost You, We Pay You!
- India's top credit insurers, payment-proof protection
- Complete Coverage, Invoice to Collection
- Trade Credit Made Simple, Expert Payment Shield
- Every Sale Protected, Every Default Covered
Trade Credit Insurance
Trusted By 1500+ Enterprises
From Startups to Stalwarts, India’s Finest Choose CoverBizz
What is Trade Credit Insurance
Trade Credit Insurance: Your B2B Sales’ Safety Net!
Think of trade credit insurance as having a backup payment system that kicks in when customers decide “payment due” means “payment never!” It’s comprehensive protection against buyer insolvencies, payment defaults, and political risks that turn profitable sales into expensive lessons.
Whether you’re exporting garments to Europe or supplying machinery across India on credit, trade credit insurance ensures that trusting customers doesn’t mean risking your cash flow. It’s like having a wealthy relative who pays your customers’ bills when they can’t—minus the awkward family dinners!
Why Is This Policy Vital for B2B Businesses
Because B2B Stands for “Beware Bad Bills!”
Indian exporters face ₹45,000 crore in annual bad debts, with SME default rates hitting 8-12%. One major customer bankruptcy can wipe out entire year’s profits. Trade credit insurance is the difference between “growth through credit sales” and “bankruptcy through customer defaults.” It’s survival insurance for trust-based B2B commerce!
Who Needs Trade Credit Insurance?
Export-Oriented Manufacturers
Companies shipping goods internationally need protection against foreign buyer defaults, currency risks, and cross-border payment failures.
Textile & Garment Exporters
Fashion industry exporters face seasonal risks, long payment cycles, and buyer concentration requiring specialized credit protection.
Chemical & Pharmaceutical Suppliers
High-value B2B sales with 60-90 day payment terms need comprehensive customer default coverage.
Engineering & Capital Goods
Equipment manufacturers selling on credit face payment delays and buyer insolvency risks requiring protection.
MSME Suppliers & Distributors
Small businesses supplying to larger companies need protection against payment defaults threatening business survival.
Commodity Traders
Agriculture, metal, and raw material traders face price volatility and buyer default risks requiring trade credit coverage.
Types / Add-ons Commonly Offered
Whole Turnover Policy
Entire customer portfolio coverage
Key Account Policy
Specific large customer protection
Single Buyer Coverage
Individual buyer concentration risk protection
Pre-shipment Protection
Buyer cancellation before dispatch coverage
Political Risk Coverage
Currency, transfer, and sovereign risk protection
Bad Debt Protection
Comprehensive insolvency and default coverage
What Trade Credit Insurance Covers
Buyer Insolvency
Payment Default
Protracted Default
Political Risks
Currency Inconvertibility
Contract Repudiation
Pre-shipment Cancellation
Sovereign Defaults
War & Civil Unrest
Bank Default
Letter of Credit Failure
Collection Costs
Inclusions & Exclusions
Inclusions
Commercial Insolvency
Buyer bankruptcy, liquidation, and inability to pay due to financial distress
Protracted Default
Extended payment delays beyond 90-180 days from due date
Political Risks
Currency transfer restrictions, war, and sovereign payment failures preventing collections
Pre-shipment Losses
Buyer cancellation or insolvency before goods dispatch
Collection Expenses
Legal costs and debt recovery expenses up to specified limits
Exclusions
Trade Disputes
Quality issues, delivery disputes, and contractual disagreements excluded
Related Parties
Transactions with sister companies, subsidiaries, and group entities excluded
Known Risks
Customer payment problems existing before policy inception excluded
Unauthorized Sales
Credit extended beyond approved limits without insurer consent excluded
Indirect Losses
Loss of profit margins and opportunity costs beyond principal debt amount excluded
Insurance Partners
We’re Partners With 20+ Major Insurance Companies
FAQ's
Usually 80-90% of outstanding invoices are covered. You keep some "skin in the game" to encourage smart credit decisions!
Yes! Export policies include political risks; domestic policies focus on commercial insolvency. Different worlds, different coverage!
Typically 90-180 days for protracted default; immediate for declared insolvency. Patience required before payday!
Absolutely! Premiums are 0.1-0.5% of turnover—cheaper than losing one major customer to bankruptcy!
Nope! Quality disputes and delivery arguments are excluded. Insurance covers "can't pay," not "won't pay disputes!"
Insurers assess buyer financials, payment history, and market intelligence to set safe credit limits per customer!
Customers Says..
Mr. Harpreet Singh (Owner, Singh Garments, Ludhiana)
Ms. Kavita Reddy (Director, Reddy Kitchen Equipment, Bangalore)
Mr. Amit Patel (Export Manager, Patel Pharma, Ahmedabad)
"Growth through credit sales is smart business, until customers default. Don't let payment failures kill profitable relationships or cash flow. Trade credit insurance ensures that extending credit grows your business without gambling your survival."
Book Consultation
