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Trade Credit Insurance

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Trade credit cover

Trade credit insurance protects your business against customer non-payment

We appreciate that if your company sells goods or services on credit, you face the possibility of customers not paying – and it’s a challenge our trade credit insurance helps you prepare for. Your cover can apply to one customer or your entire business, protecting against non-payment due to insolvency, default and even political risk.


Who it’s for

Chubb’s trade credit insurance is ideal for any corporates that sell goods and services on credit terms

The cover is particularly useful for firms that:

  • Seek to manage credit exposures
  • Are concerned about the stability of their sector or the economic climate
  • Have a large concentration of business with one or two debtors 
  • Have been asked to take out cover by their bank
  • Have been asked by their customers to trade on less secure terms (ie moving from letter of credit to open account)
  • Are looking to trade with new customers or in new countries

What it covers

The different ways our credit insurance keeps your operations covered:

  • The cover can be used for both risk management (balance sheet protection) and financing (insuring accounts receivable to enable lenders to finance against a particular asset class)
  • The policy supports your existing credit management
  • Comprehensive multi-buyer cover protects all your trade above a certain level of self-retention
  • You can apply named customer coverage to a single customer, or specifically to your biggest clients
  • Top-up coverage, through our Credit Complete product, extends beyond your existing credit insurance policy to significantly improve credit limit protection
  • Policy limits and country limits are non-cancellable
  • Policy management is via a convenient online portal

We are experts in trade credit insurance – and care about your company

Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience in trade credit insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be. 

Partnership that’s personal 
We work to understand your business and where you’re heading so we can be proactive about meeting your needs. We invest in getting to know you, your team and your customers. The goal: to help you see ahead, be ahead and stay ahead.


Creative problem-solving
Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.


Unmatched expertise and financial strength
We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business.



The policy limit of liability, country limits and credit limits are non-cancellable by Chubb.

For smaller portfolios, this is achieved by Chubb insuring up to an agreed percentage of any loss (typically 90%) and, for the larger portfolios, clients will retain an agreed level of aggregate losses. 

Our trade credit team has dedicated underwriters in six global hubs and, in addition to issuing through these hubs, has access to Chubb’s extensive global licensing capabilities.

You will have a single dedicated underwriter who is responsible for managing your new business through to  renewals. Your dedicated underwriter is responsible for the commercial and risk aspects of your policy.


Read the Credit Complete top-up coverage factsheet

Julian Hudson on servicing multinational trade credit clients

Paul Holroyd on excess of loss trade credit insurance


Talk to one of our experts