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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 credit insurance policies from Atradius is a straightforward, cost-effective and flexible way to ensure you get paid for goods and services you supply within Australia and abroad.
Atradius trade credit insurance can help 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 existing 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 standardisation 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.
In the current economic environment, peace of mind is a good reason for credit insurance! We give you the security of knowing that your accounts receivable are protected from the risk of non-payment and financial loss.
Lenders recognise that the insolvency of a company’s key customer may jeopardise repayment of a loan. Credit insurance reduces this risk and may result in more favourable lending terms by protecting your working capital and enhancing access to credit.
Credit insurance may enable you to sell more goods on credit basis 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 international markets. This includes overseas customers and domestic and export customers.
Generally, it is recognised 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— including protracted default, political risks, or overdue accounts.
No! The policy is flexible and can be tailored to fit your specific needs. Credit insurance covers your entire credit portfolio or only your largest key accounts — those that would create a catastrophic loss for your company if they became insolvent. You make the decision, whether that includes your debtor's ledger or selected credit limits.
Your policy covers many loss situations, ranging from bankruptcy to uncollectible accounts, including protracted default, political risks, and overdue 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 while protecting your debtors ledger with debtor insurance.
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. We work closely with Australian businesses to deliver tailored solutions and services provided across global markets.
Yes. Atradius offers flexible trade credit insurance options that suit a wide range of Australian businesses. With modular policies, adjustable coverage levels, and tools like Atradius Insights, businesses can protect their entire credit portfolio when offering credit terms. This helps reduce the risk of non-payment, insolvency, and overdue accounts across both domestic and international markets.
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