What is the buyers Process - Consideration

You should consider insuring customers who represent a large portion of your revenue, operate in high-risk inudstries or regions, or limited credit history. These accounts pose the greatest potential impact on your cash flow if they default. Credit insurance helps alleviate that risk while supporting business continuity. 

We often encourage prospects to insure their full turnover. Stronger accounts help balance higher-risk ones, which can lead to better pricing and broader protection. 

The value of credit insurance extends beyond protection. It supports safer growth, improves access to financning, and credit management. When evaluating cost, consider the potential savings from avoiding losses, the ability to expand into new markets, and the operational efficacies gained through risk insights and support services. 

Beyond coverage, you gain access to global credit data, experts risk analysis, and support services like collections. You're not just bying protection, you're gaining a strategic partner that helps you make smarter, faster credit decsions. 

Typically, the premium is the main cost, depending on your policy structure, there may be administrative fees or charges for optional services such as enhanced reporting or collections. Atradius provides transparent pricing and works with you to ensure the policy aligns with you financial goals. 

Credit insurance can be positioned as a strategic tool that protects revenue, supports growth, and stregthens financial planning. Presenting data on risk exposure, potential loss scenarios, and how insurance can improve financial predictability can help leadership see the broader value beyond risk mitigation. 

Self-insurance requires setting aside capital to cover potential losses, which can limit liquidity. Factoring provides immediate cash flow but often at a higher cost and with less flexibity. Credit insurance offers a balanced approach to protect receivables while maintaining control over customer relationships and credit terms. 

An increasing number of companies across various industries are incoporating credit insurance into their broader credit risk strategies. It's espeically valuable for businesses aiming to expand into new markets, secure better fininacning terms, or reduce their exposure to customer defaults. Atradius supports this shift by offering practices and make informed credit decisions. 

Both paths are viable. Working directly with Atradius gives you immediate access to their underwriting expertise, digital tools, and customer support. If you prefer a broader market perspective or need help mavigating options, brokers can facilitate that process. Atradius collaborates with brokers and clients, ensuring you get the right fit for your business. 

Atradius has a strong local presence in the U.S., with a dedicated team of underwriters, account mangers an collections specialist who work closely with customers and brokers. Globally, they operate in over 50 countries and support businesses with multilingual, multimational team that understands both local markets and international trade dynamics.

Yes, Atradius offers intuitive digital platforms like Atradius Atrium that make it easy to manage credit limits, track claims, and monitor buyer risk in real time. These tools are designed to ease to use and quick adoption, helping your team make faster, more informed decisions. They also reduced manual work, improve operational efficiency, and enhanced your ability. 

Yes, a credit insurance provider like Atradius can play a key role in managing high-risk customers. By offering real-time credit monitoring, risk assessments, and tailored credit limits, Atradius helps you identify and mitigate potential payment issues before they escalate. If a high risk customer defaults, Atradius provides coverage for most of the unpaid invoice, helping you maintain cash flow and business continuity. This support allows you to extend credit confidently, even in challenges markets. 

Partnering with single provider like Atradius offers simplicity, consistency, and a deeper relationship that can lead to more tailored solutions are better service. However, some business may choose to diversify across vendors to access specialized coverage or reduce dependency. Atradius supports both approaches and works with you or a broker to ensure credit insurance strategy aligns with your goals.

Yes, in many cases it is. Atradius designs its premium based on your business's risk profile, and the cost is usually a small percentage of your annual sales. In return, you get protection against customer defults, which can have a major financial impact. For many businesses, especially those with large receivables or exposure to new markets, the value of that protection outweighs the cost. 

Atradius offers easy-touse digital tools that let you manage credit limits. monitor buyer risk, and file claims all in real time. These platforms are designed to streamline your workflow, improve reporting, and help your team make faster, more informed decisions. 

If a large portion of your revenue depends on a few key customers, or if you're selling into high risk industries or markets, credit insurance can protect your revenue and reduce uncertainty.