Whole turnover trade credit insurance can cover your entire sales ledger against customer non-payment due to insolvency or protracted default. Offering around 90-95% indemnity, solutions are tailored to a business’s size, sector and risk appetite. Extensions can include political or export risk, ideal for international trading. A modest excess usually applies, excluding small predictable losses. Premiums can be blended across all customers, while larger accounts are vetted via insurer systems, supported by  Brown & Brown’s Trade Credit Team. For most modest debtors the customer will usually have the ability to agree cover based on pre-agreed processes.

Single-risk credit insurance can protect against insolvency or default of a specific customer or contract. Solutions can include outstanding invoices and work in progress up to the agreed credit limit, typically indemnifying 90-95% of the value. Policies can be annual or for the contract duration, with premiums based on customer risk ratings. Single-risk insurance is ideal for high-value clients or critical contracts, offering   tailored solutions and added confidence . By using this approach, businesses can manage credit exposure strategically while expanding sales,  with single risk trade credit insurance helping to protect revenue and mitigates financial risk effectively.

Catastrophe trade credit insurance can protect businesses from rare, high-impact defaults or clusters of insolvencies. Companies can self-insure expected bad debts while transferring extreme risks to insurers. Cover usually activates once losses exceed a pre-agreed threshold, providing reassurance that significant non-payments will not threaten cash flow or profitability. This type of policy can be considered essential for businesses with concentrated customer exposure or volatile markets. Catastrophe cover can help mitigate unexpected financial shocks, maintain operational stability, and allow businesses to trade with confidence.

Top-up policies provide additional cover for existing trade credit insurance arrangements, addressing limitations in single accounts, contracts or high-value customers. Top-up insurance can be applied to whole turnover, single-risk or catastrophe policies, extending protection without a full policy change. Premiums reflect additional exposure and customer risk ratings. This flexible option allows businesses to scale protection as trade volumes or risk levels change, helping to maintain a more stable cash flow.. Top-up credit insurance enables companies to pursue growth opportunities confidently, manage credit risk proactively and maintain robust credit risk protection across key customers and contracts.

Some insurers are prepared to provide their credit limits on a non-cancellable basis, meaning that the limit agreed will remain in place for the policy term, regardless of insurer reassessments. This provides stability for sales ledger planning and cash-flow management, particularly for companies trading internationally or with high-value customers. Higher premiums or increased risk-sharing could apply, reflecting insurer commitment. Strong internal credit management is essential. Non-cancellable limits provide businesses with consistent protection throughout the year, supporting more confident trading, stable revenue and long-term credit risk management.