Your debtors ledger is one of the largest assets your business carries and one of the least protected. Trade credit insurance is designed specifically to protect that asset, covering bad debts that arise from customer insolvency, protracted default, or other failure to pay. When a customer can't or won't pay, a trade credit policy puts cash back in your hands.
Trade credit is a specialist class, and not one we place directly but we work with a number of specialist trade credit brokers who do. We'll take the time to understand your debtor book, your exposure, and your industry, and connect you with the broker best placed to find the right fit. Not every product suits every business our role is to make sure you end up with the right one.
What Trade Credit Insurance Generally Covers
Customer Insolvency
Non-payment resulting from the formal insolvency of a buyer.
Protracted Default
Where a buyer fails to pay within an agreed period without valid dispute.
Domestic Receivables
Protection across your New Zealand debtor book on open credit terms.
Export Credit Risk
Cover for cross-border receivables, including political and transfer risk.
Single Buyer Exposure
Targeted cover where significant turnover is concentrated with one key customer.
Whole Turnover Programmes
Comprehensive cover across the full debtor book for businesses with broad credit exposure.
How We Work
From understanding your exposure to placing the programme.
Understanding your exposure
We start by understanding your debtor book: who you're selling to, on what terms, and where your concentration risk sits. This shapes everything that follows.
Matching you to the right market
Trade credit is placed with specialist underwriters, not standard commercial insurers. We work with a panel of markets and select the one best suited to your industry, structure, and risk profile.
Placing and managing the programme
We handle the placement and work with you to ensure the policy is being used correctly including credit limit management and claims if they arise.