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Trade and grow with confidence

Trade credit insurance from Atradius is a straightforward, cost effective and flexible way to ensure you get paid for goods and services you supply within the United States and abroad.

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Credit Insurance - Explained
Our customer service
What you enjoy with Atradius
Frequently asked questions

In the current economic environment, peace of mind is a good reason for credit insurance! We give you the security of knowing that your receivables are protected.

Lenders recognize that the insolvency of a company’s key customer may jeopardize repayment of a loan. Credit insurance reduces this risk and may result in more favorable lending terms.

Credit insurance may enable you to sell more goods on credit terms while substantially reducing the overall risk of exposure to nonpayment. It also may enable you to take advantage of peak and cyclical selling periods and to safely expand into new product lines or territories.

Generally, it is recognized that 20% of a firm’s buyers account for 80% of sales. Credit insurance protects against the catastrophic loss resulting from the insolvency of one of those key accounts.​

No! The policy is flexible and can be tailored to fit your specific needs. It can cover your entire portfolio or only your largest key accounts...those which would create a catastrophic loss for your company if they became insolvent. You make the decision.

Your policy covers many loss situations, ranging from bankruptcy to uncollectible accounts.

Although some companies have chosen to self-insure in the past, doing so now may cost you more. Under a number of tax codes, businesses can no longer use the bad debt reserve method of accounting to determine tax deductions. On the other hand, credit insurance premiums are tax deductible, allowing you to put the cash you now have in reserves to better use.

Atradius is one of the largest credit insurance companies in the world. We offer exceptional products with a high level of experience that can give you the confidence of long-term financial stability. Together with our world class partners, Atradius extends a large reinsurance capacity and direct access to more than 240 million buyers worldwide. We are capable of accommodating your multinational needs.

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"Atradius helped us to grow our business step by step. We have provided better services, been able to increase activity with old customers, and start business with new ones."

One Credit Insurance policy, personalised options    

To keep things simple, we operate just one policy – Modula. Within this are a range of modules to suit your needs. Acting as ‘building blocks’ of cover, this allows us to create a detailed and bespoke policy for you, to reflect your individual trade exposures.

This can be particularly useful when operating several policies to cover your different customers or markets.

Modula allows for varying levels of risk and need between customers to be clearly identified and differentiated. Providing a single policy promotes standardisation and clarity, while the individual modules allow for a custom fit and a policy suited to each individual need.

Further benefits of our Modula system include:

 

  • Consistency across markets and languages – our multilingual underwriters and legal team ensure your policy is clear and promotes the same meaning in all languages
     
  • Transparency – your policy will only contain conditions that are relevant to you and will not be confused with jargon or conditions that need not apply
     
  • Easy online administration – you can manage your policy directly through our new online system Atradius Atrium. Together with Serv@Net you can quickly establish credit lines, notify us of claims, track progress and implement changes
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Manage your Credit Insurance account online with Atradius Atrium

You can manage you policy directly through, Atradius Atrium. This new online platform currently works in tandem with Serv@Net, and allows you to notify us of claims, track progress and make changes in real time. Available at no extra charge for our credit insurance policy holders, Atradius Atrium is a secure, sophisticated web-based policy management service.  As a fully integrated platform, it is designed to put you in control of your credit management processes.

With Atradius Atrium and Serv@Net you can:

 

  • Manage credit limits and monitor debtor behaviour
     
  • Submit claims and supporting documents
     
  • Monitor invoice reports and manage credit terms
     
  • View policy conditions
     
  • Set up email alerts and online notifications.
     
  • View Atradius publications relevant to your buyer sector and country
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Further details about how Atradius Atrium enables you to manage your Credit Insurance Policy at any time of the day, anywhere in the world can be found in English only on the Atradius Group website.
 

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