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Every company that sells on payment terms is lending to its customers. Trade credit insurers protect that lending. They pay out when a buyer goes insolvent or simply does not pay, and they monitor millions of companies worldwide to decide how much credit each one deserves. The International Credit Insurance and Surety Association reported that its members insured EUR 3.6 trillion of trade exposure in 2025 and paid EUR 3.2 billion in claims.
This guide explains what trade credit insurers actually do, then profiles ten of the most important providers, from the three global leaders, Allianz Trade, Atradius and Coface, to specialty insurers and state backed export credit agencies. It also shows how a credit insurance policy can help a business raise financing.
In this article
A trade credit insurer sells far more than a payout on bad debts. Its real product is credit information and the discipline it imposes on who a business sells to and on what terms.
The insurer assesses each buyer and approves a credit limit, the maximum it will cover on that customer. If a buyer weakens, the insurer can reduce or cancel the limit for future shipments.
The large insurers track tens of millions of companies, using financial filings, payment data and their own claims history to spot deteriorating customers before they default.
If an insured buyer becomes insolvent or fails to pay within an agreed period, the insurer pays a set percentage of the invoice, typically 85 to 95 percent, after a waiting period.
Most insurers run collection services and pursue the buyer after paying a claim. Some also cover political risks such as currency transfer bans, contract frustration and confiscation.
Whole turnover vs single risk. Most policies cover a company's entire portfolio of buyers for a year, known as whole turnover cover. Larger or riskier deals, such as a single large export contract or a commodity transaction, are covered individually in the specialty single risk market, often through brokers in London.
Allianz Trade, Atradius and Coface write the majority of the world's whole turnover credit insurance. Between them they monitor most mid sized and large companies that trade internationally.
Allianz Trade, known as Euler Hermes until 2022, describes itself as the world leader in trade credit insurance. Its website cites more than 70,000 clients and monitoring of 83 million businesses in 160 countries, backed by an AA rating from S&P as part of the Allianz group.
Best for. Companies of all sizes that want broad buyer coverage worldwide, plus surety bonds and specialty cover from one provider.
Atradius, based in Amsterdam and part of Spain's Grupo Catalana Occidente, is the second largest global credit insurer. Its June 2026 overview shows EUR 863 billion of credit limits in force at the end of 2025, a 23.7 percent share of ICISA members' premiums and a presence in more than 50 countries. It reported a 2025 net result of EUR 400.1 million on insurance revenue of EUR 2.5 billion. Atradius also manages export credit insurance on behalf of the Dutch state.
Best for. Exporters and domestic sellers that want whole turnover cover with strong buyer information, plus surety bonds and collections.
Coface, listed in Paris, is the third of the global leaders. It reported 2025 turnover of EUR 1.85 billion and net income of EUR 222 million. In September 2026, Bloomberg reported that CNP Assurances was considering a takeover of Coface, whose largest shareholder is Arch Capital with 29.9 percent.
Best for. Companies that want credit insurance combined with business information, debt collection and receivables financing services.
These insurers are strongest in tailored, large ticket cover: single buyer and single transaction policies, structured trade credit, political risk and non payment cover for banks. They are often accessed through specialist brokers.
Chubb writes trade credit and political risk insurance for corporates and financial institutions, including single buyer and portfolio policies and cover for banks' trade finance and lending exposures.
Best for. Multinationals and banks that need large limits and political risk cover alongside credit risk.
AIG offers trade credit insurance for corporates and structured credit and political risk insurance for lenders, often used to support receivables purchase programmes and trade finance facilities.
Best for. Large companies and banks seeking non cancellable limits and cover that supports financing structures.
Zurich has a long established credit and political risk business that covers banks, commodity traders and corporates, particularly for transactions in emerging markets.
Best for. Lenders and exporters with large single transactions or long tenor exposures in higher risk countries.
Tokio Marine HCC, the specialty arm of Japan's Tokio Marine group, writes trade credit insurance for small and mid sized businesses and larger corporates in Europe, the Americas and Asia, with a reputation for flexible, non cancellable limits.
Best for. Mid sized companies that want a specialist alternative to the big three.
QBE, the Australian insurer, writes trade credit insurance in Europe and Australia, covering both domestic and export receivables for businesses of all sizes.
Best for. Businesses in QBE's core markets looking for a further option when the larger insurers reduce limits.
Export credit agencies insure risks the private market will not take, such as long tenors and difficult countries. Many also offer short term cover in competition with private insurers. For their role in project and export finance, our guide to top trade finance companies covers how they work with banks.
Credendo is a European credit insurance group backed by the Belgian state. Its 2025 key figures show total potential exposure of EUR 86.9 billion and insurance revenue of EUR 438.3 million, with about a third of its exposure in Asia and Africa.
Best for. Exporters and banks dealing with emerging markets that need political risk and long tenor cover.
Sinosure, China's state export credit insurer, is the largest credit insurer in the world by volume. Global Trade Review reported that it underwrote USD 928.6 billion across all products in 2023, including a USD 770 billion short term export credit portfolio.
Best for. Chinese exporters and buyers of Chinese goods and projects, including Belt and Road infrastructure.
| Insurer | Type | Latest disclosed metric |
|---|---|---|
| Allianz Trade | Global whole turnover | 83m businesses monitored, 70,000+ clients |
| Atradius | Global whole turnover | EUR 863bn credit limits, end 2025 |
| Coface | Global whole turnover | EUR 1.85bn turnover, 2025 |
| Chubb | Specialty and single risk | Not separately disclosed |
| AIG | Specialty and single risk | Not separately disclosed |
| Zurich | Credit and political risk | Not separately disclosed |
| Tokio Marine HCC | Specialty credit | Not separately disclosed |
| QBE | Trade credit | Not separately disclosed |
| Credendo | State backed | EUR 86.9bn potential exposure, 2025 |
| Sinosure | State backed | USD 928.6bn underwritten, 2023 |
A credit insurance policy is not a bank guarantee. Some brokers market "insurance wraps" or "credit insurance backed SBLCs" that promise to turn a policy into a cash instrument. A trade credit policy covers a real receivable from an approved buyer, pays only after a valid claim, and is issued to the insured seller or its lender. Always confirm a policy directly with the insurer before relying on it.
Better borrowing terms. Banks and private credit funds lend more against insured receivables, because the credit risk shifts from many small buyers to a highly rated insurer. Many lenders ask to be named as loss payee on the policy.
Receivables finance and factoring. Insured invoices are the backbone of many receivables purchase and factoring programmes. See our list of the best invoice finance companies in the USA.
Commodity and trade finance. Traders often insure buyer risk to support structured commodity finance and borrowing base facilities, and lenders insure their own exposure to reduce capital use.
Credit enhancement. Credit insurance is one of several tools, alongside SBLCs and guarantees, that can lift a weaker credit profile to one a lender will accept. Our credit enhancement service covers how these are combined. For bonding needs, see our guide to the top surety bond companies worldwide.
Financely helps exporters, distributors and traders use credit insurance, receivables and offtake contracts to raise working capital and trade finance. We prepare the lender ready file and place it with banks and private credit funds from our network of more than 12,700 verified lenders.
Already hold a policy with one of the insurers above? Insured receivables are often the strongest collateral in your file, and asset based lending or receivables structures can be built around them.
Atradius insures businesses against the risk that their customers do not pay for goods or services sold on credit. It sets a credit limit for each buyer, monitors their financial health, pays claims when a buyer defaults or goes insolvent, and helps recover the debt.
Allianz Trade, Atradius and Coface are the three global leaders in private trade credit insurance. Sinosure, China's state export credit insurer, is the largest by volume, and specialty insurers such as Chubb, AIG, Zurich, Tokio Marine HCC and QBE are major players in single risk and structured cover.
Premiums are usually a small fraction of a percent of insured turnover, depending on the buyers' credit quality, the countries involved, payment terms and the claims history. ICISA members wrote EUR 9 billion of premiums on EUR 3.6 trillion of exposure in 2025.
Yes. Lenders will often advance more against insured receivables, and many receivables finance and borrowing base facilities require credit insurance, with the lender named as loss payee on the policy.
Disclaimer: This article is for general information only and does not constitute legal, tax, insurance, investment or regulatory advice. References to specific insurers are based on publicly available sources and do not imply endorsement, recommendation or any commercial relationship. The order of companies is illustrative and not based on a single uniform metric. Financely is an advisory and arranging firm. It is not a bank, lender, insurer, insurance broker, broker-dealer or investment adviser. Any financing is subject to lender underwriting, due diligence, credit approval, documentation and conditions precedent, and no outcome or timeline is guaranteed.
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