Credit insurance indemnifies companies for financial losses arising from insolvency, bankruptcy, prolonged non-payment, or extended delinquency, always within the framework of a commercial transaction.
The risk of non-payment is transferred to an insurer, making it possible to pass on the cost of insurance to customers, even based on the default risk presented by each of them.
Thanks to the insurer’s analysis of clients, it is possible to anticipate problems and incidents, control billing, and adjust the invoice collection process according to the client.
The insurer monitors the evolution of credit quality and the payment behavior of clients, promptly alerting the insured of any incidents, anomalies, or insolvency situations.
The credit quality of potential or prospective clients is known in advance, allowing the setting of the collection period, risk exposure, and even the insurance cost to be passed on to the sale correctly during the closing of the transaction with each client.
Insurers handle the collection of all invoices, even if some exceed the insured limit. It is also possible to entrust the insurer with the collection of uncovered debt, which is especially important in the case of exports.
Credit insurance supports structures of Non-Recourse Factoring, Project Finance, and is a key element in Securitization programs.
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