Koosh Insurance · Business & Industry

    Trade Credit Insurance

    The customer that filed Chapter 11 with $400,000 of your invoices outstanding. The export buyer that simply stopped paying when the political situation shifted. The receivables aging report that reveals a concentration risk no one saw coming. Trade credit insurance covers the single largest asset on most companies' balance sheets — accounts receivable — against the buyer defaults, insolvencies, and political events that turn invoices into write-offs.

    See what's covered

    Coverage

    What this coverage includes

    • Buyer insolvency coverage for customers filing bankruptcy or formally insolvent
    • Protracted default coverage for customers who simply don't pay over an extended period
    • Political risk coverage for export sales — currency inconvertibility, expropriation, war, civil unrest
    • Single-buyer or whole-turnover policy structures
    • Credit limit underwriting — the insurer evaluates and sets credit limits on each covered buyer
    • Coverage for new buyers as they're added to the portfolio
    • Claims handling and collection support as part of the policy

    Who Buys This

    Who typically buys this coverage

    • Manufacturers with significant B2B accounts receivable
    • Wholesale distributors with large customer concentration
    • Exporters with international sales exposure
    • Service businesses with extended payment terms
    • Companies financing receivables (often required by lenders)
    • Companies entering new markets or working with new customers
    • Suppliers in industries with consolidating customer bases

    Why Koosh

    Why Koosh Insurance

    Trade credit is a specialty line with limited carriers and sharp underwriting on each buyer. Working with an agent who places trade credit routinely matters because the product is more about the underlying receivables analysis than the policy form. Receivables are an asset until they're a write-off. The right policy is the one that decides which.

    Trade credit specialty market access — Allianz Trade, Atradius, Coface, AIG, and other dedicated trade credit carriers.

    Whole-turnover and single-buyer structuring — different products for different exposure profiles.

    Political risk integration for exporters — coordinated commercial and political coverage where needed.

    Lender coordination — bank-required trade credit structured to meet specific financing requirements.

    Buyer credit limit management — ongoing relationship with the insurer's underwriting team to maximize covered limits.

    Claims and collections support — the carrier's collection capabilities are part of the value, not a backstop.

    FAQ

    Frequently asked questions

    Internal credit management addresses risk you can see; trade credit insurance also addresses risk you can't (buyer's hidden financial deterioration, political events, fraud). The insurer's underwriting team evaluates buyers using credit data you don't have, sets limits per buyer, and pays the loss when default occurs. For companies above a certain receivables threshold, the protection often pays for itself.

    Most trade credit policies are whole-turnover (covering all covered buyers up to set credit limits) or specific to named buyers. Buyers with poor credit may not get coverage approved; buyers above stated limits need specific evaluation. We work with the insurer's underwriting team to maximize coverage.

    Commercial risk is buyer-specific (insolvency, financial inability to pay). Political risk is country-specific (currency restrictions, government expropriation, war or civil unrest preventing payment). Export coverage typically includes both; domestic-only policies focus on commercial risk.

    Yes, particularly for companies using receivables financing, factoring, or asset-based lending. Bank-required trade credit reassures the lender about collateral quality and often improves financing terms. We coordinate with lenders to meet specific requirements.

    Disputed invoices, sales to affiliates, sales without proper documentation, and willful default by the policyholder. Pre-existing overdue invoices are also excluded. We map the exclusions explicitly at quote.

    The policy typically requires notice of overdue accounts at specific aging milestones (60, 90, 120 days past due). The insurer's collections team often takes over collection efforts, and the policy pays the indemnified portion of the loss after the waiting period. Active claim management is part of the product.

    Related

    Related services

    General Liability

    Third-party bodily injury, property damage, personal injury.

    Business Owners Policy (BOP)

    Bundled GL + Property + BI for small/mid businesses.

    Commercial Auto

    Single business vehicles, light trucks, vans, contractor trucks.

    This page provides general information about Trade Credit Insurance insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Trade Credit Insurance

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314