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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.
Trade cedit 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.
Our Trade Credit Insurance helps protect you from losses that may be caused by the failure of a customer to pay an invoice through insolvency, or their refusal or inability to pay under the terms of a contract.
The cost of your credit insurance policy is calculated as a percentage of your turnover combined with the level of risk. The greater the risk, the higher the premiums.
Credit insurance usually costs between 0.1% and just over 1.0%. That means on a typical policy our customers pay between 10 and 15 cents for every EUR 100 we insure.
Most of our customers pay their premiums on a monthly basis and renegotiate the policy at the end of their insured year.
Easy account management
You can manage your policy directly through our online system - Atradius Atrium - to quickly establish credit lines, notify us of claims, track progress and implement changes.
Commercial debt collection is part of the policy
In addition to covering up to a maximum of 95% of bad debts, our debt collections service is an integral part of your policy. This means that, for no additional cost, we will help you settle outstanding invoices through our network of collections specialists throughout the world.
One modula policy
Modula allows for varying levels of risk and need between customers to be clearly identified and differentiated. Providing a single policy promotes standardization and clarity, while the individual modules allow for a custom fit and a policy suited to each individual need.
Monitor your portfolio with Atradius Insights
Atradius Insights is a sophisticated online analysis tool which can also be accessed via Atradius Atrium. Developed in close collaboration with our customers, it’s designed to help you easily identify risks, monitor your portfolio performance and find new business opportunities.
Case Study
Providing comprehensive support and ongoing credit monitoring for Legrand AV
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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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:
You can manage you policy directly through, Atradius Atrium. This new online platform currently works in tandem with Collect@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 Collect@Net you can:
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.
Modula allows us to create a detailed and bespoke policy for you, to reflect your individual trade exposures.
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