Extend credit terms boldly. We carry the default risk.
Coverage against buyer insolvency and protracted default, enabling confident credit sales to domestic and international buyers.
Trade Credit Insurance
Protect receivables against buyer non-payment
- Coverage
- Up to 95% of invoices
- Claims Payment
- Within 30 days
- Buyer Database
- 200M+ companies
- Monitoring
- Continuous alerts
Trade Credit Insurance
Protect receivables against buyer non-payment
Trade Credit Insurance protects your accounts receivable when buyers fail to pay due to insolvency or protracted default. Covering up to 95% of insured invoices, it transforms risky credit sales into secure revenue and unlocks trade finance against insured receivables.
Our credit insurance programs include continuous buyer monitoring, credit limit management, and collection services — a complete receivables risk management solution.
Coverage & Reach
Who It's For
Who Needs Trade Credit Insurance?
Exporters extending credit terms to overseas buyers
Manufacturers selling on open account to distributors
Trading companies with large accounts receivable portfolios
Companies entering new markets with unknown buyers
Businesses seeking bank financing secured by receivables
Why It Matters
Key Benefits of Trade Credit Insurance
Up to 95% of invoice value covered
Buyer insolvency & default protection
Continuous buyer credit monitoring
Enables competitive credit terms
Bank financing against insured receivables
Debt collection services included
What's Included
Coverage Features & Capabilities
Credit Limit Management
We set and monitor credit limits for each buyer, alerting you to deteriorating creditworthiness.
Political Risk Extension
Optional coverage for currency inconvertibility, transfer restrictions, and political events.
Whole Turnover or Key Accounts
Insure your entire ledger or select high-exposure buyers.
Claims & Collection
Integrated claims payment and international debt collection services.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Disputes over quality or delivery (commercial disputes)
- Losses from sales to sanctioned countries or entities
- Invoices overdue beyond the agreed credit period without notification
- Related-party transactions without prior approval
- Currency exchange rate fluctuations
How It Works
Your Path to Protection in 4 Steps
Ledger Analysis
We analyze your sales ledger, buyer concentration, and payment terms.
Buyer Assessment
Credit limits established for each buyer using global credit data.
Policy Activation
Coverage begins with continuous monitoring of all approved buyers.
Claims & Recovery
On default, claims paid within 30 days with collection pursued on your behalf.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Overdue Notification
Notify us when an invoice exceeds the agreed credit period. We begin monitoring and buyer communication immediately.
Waiting Period
A standard waiting period of 90-180 days applies from the due date, during which our collections team works to recover payment.
Claim Submission
Submit the claim with invoices, delivery proof, credit terms, and correspondence. Our team validates the claim within 5 business days.
Indemnity Payment
Payment of up to 95% of the insured invoice value within 30 days of claim acceptance, with subrogation handled by our team.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Access to global buyer credit database covering 200M+ companies
- Claims paid within 30 days of proof of loss
- Receivables financing facilitation with partner banks
- Proactive credit deterioration alerts before defaults occur
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
Insolvency means the buyer is legally bankrupt or in receivership. Protracted default means the buyer simply hasn't paid after an agreed waiting period (typically 90-180 days past due) — no bankruptcy required.
Explore Further
Related Services
Export Credit Insurance
Specialized coverage for export receivables against commercial and political risks, supporting exporters entering new and emerging markets.
Learn morePolitical Risk Insurance
Coverage against expropriation, political violence, currency inconvertibility, and breach of contract by governments for cross-border investments.
Learn moreDue Diligence
Enhanced due diligence for investments, acquisitions, joint ventures, and high-stakes partnerships — corporate intelligence, background checks, and risk investigation.
Learn moreSectors We Serve
Industries Covered
Learn More
From the Knowledge Hub
Ready to Secure Your Trade Credit Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
Visit Our Office
Business Hours
Monday – Friday: 8:30 – 18:00 (GMT+7)
Saturday: 9:00 – 13:00 (GMT+7)
24/7 claims hotline for policyholders
Quick Enquiry
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