Trade Credit Insurance
Trade Credit Insurance
Selling on credit can drive growth—but it can also expose your business to bad debt. Angelic Insurance’s Trade Credit Insurance protects your cash flow by covering losses caused by customers who can’t (or won’t) pay due to insolvency, default, or prolonged non-payment.
Whether you’re a wholesaler, manufacturer, or service-based business offering 30-, 60- or 90-day terms, this policy provides peace of mind that your receivables are insured. We help businesses expand into new markets confidently, extend terms competitively, and secure financing with insured invoices.
How It Works
Here’s how Angelic Insurance makes credit risk simple and strategic:
Customer and Industry Risk Profiling
We assess your customer base, trading regions, and past loss history.
Policy Setup & Credit Limits
We help you set realistic credit limits per customer and provide guidance on high-risk accounts.
Ongoing Monitoring
Optional services include real-time updates on customer insolvency, defaults, and regulatory changes.
Claims Activation
If a customer defaults, Angelic handles recovery, legal action, and pays out the insured amount.
Why You Need It?
Bad debts don’t just hurt your books—they stall cash flow, limit reinvestment, and increase reliance on debt.
Without trade credit cover, businesses are exposed to:
Customer bankruptcies
Slow-paying or non-responsive accounts
International regulatory or political disruption
Long legal battles over unpaid invoices
Disrupted supply chains from non-payment up the ladder With Angelic Insurance, one customer’s failure won’t become your own
How Angelic Insurance Can Help?
At Angelic Insurance, we do more than just insure receivables—we help you grow safely:
Coverage for domestic & export receivables
Credit insights on customers to trade smarter, not riskier
Debt recovery services included in many policies
Policy tailoring by sector—manufacturing, trade, B2B services, tech
Support for financing—lenders often favour businesses with trade credit policies
Flexible excess and premium structures to match your budget You focus on sales. Angelic Insurance makes sure you get paid.
Challenges Businesses Face Without Trade Credit Insurance
Customer Insolvency: You supply the goods, they go bust—you're left unpaid.
Slow Payers: Cash flow bottlenecks from protracted default or dispute.
New Market Risk: Hesitation to trade with new customers or in emerging economies.
Overexposure to Key Clients: A single large client can sink your business if they default.
Lack of Financing: Banks often lend more on insured receivables, improving credit lines.
Case Studies: How Trade Credit Insurance Helped Real Businesses
Exporter Hit by Customer Insolvency
A NSW-based food manufacturer shipped $210,000 in goods to a distributor in Asia—who filed for bankruptcy 3 weeks after delivery. Angelic Insurance: Paid out $180,000 in bad debt under agreed cover Covered legal filing and export credit reporting fees Helped the client vet new regional partners 📝 Result: Continued export growth without financial loss.
B2B Service Firm Faces 90-Day Payment Default
A consulting firm had a government subcontractor delay payment indefinitely after budget cuts. Angelic Insurance: Stepped in at day 91 to begin collection Paid out $42,000 while pursuing recovery Prevented staff wage delay and protected growth plans 📝 Result: Cash flow protected, no need for emergency funding.
Frequently Asked Questions
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