Trade Credit Insurance
Trade with confidence knowing your business is protected if a customer fails to pay for your goods or services.
Protect your business from unpaid debts
If you sell goods or services on credit terms, you're exposed to the risk of late payment, default and insolvency. Trade Credit Insurance helps protect your cash flow by covering insured losses when customers can't pay, giving you greater confidence to grow your business.
We work with businesses of all sizes - from local enterprises to global organisations - to develop solutions that protect receivables, strengthen credit management and support confident trading.
Important information
Swiss Re has acquired QBE's Trade Credit Insurance business in Australia and the United Kingdom. Existing customers can continue to access their Trade Credit Insurance services.
Trade Credit Insurance solutions by market
Our Trade Credit Insurance offering is tailored to local markets. Select your region to explore the products, services and resources available where you operate.
Tab navigation
Australia
Trade Credit Insurance in Australia
Trade Credit Insurance in the Australia enables businesses to trade with confidence by protecting against customer non-payment and strengthening overall financial resilience.
For further information about Swiss Re International SE, Australia Branch see here.
Which cover is right for you?
Whether you're a small business or a large organisation, our Trade Credit Insurance solutions are designed to support different trading models and business needs.
Downloads
Comprehensive
Cover for your entire credit portfolio, including domestic and export customers. We offer a negotiable discretionary credit limit and can extend policies to cover offshore political risks and post-shipment contract repudiation, pre-shipment manufacturing risks and a range of industry-specific adaptations.
Excess of Loss
For businesses with strong internal credit management processes seeking cover for exceptional loss across their entire portfolio. Options include non-cancellable credit limits, high discretionary credit limit flexibility and a meaningful aggregate deductible.
Selective – Key Accounts
For businesses requiring protection on their largest debtors, with optional non-cancellable credit limits and deductibles.
Selective – Single Buyer
For quality credit risks only protecting an individual contract or debtor.
Downloads
Recover overdue debts before they become claims
Trade Credit Collections helps eligible Trade Credit Insurance policyholders recover overdue debts before an insurance claim becomes necessary.
TCC link
Contact Talk to our Trade Credit Insurance team
John Sutherland
Ali Gunusen
Frequently asked questions
Who needs Trade Credit?
If your client runs a registered business selling goods and services on credit terms (e.g. offering 30 days to pay) they’re vulnerable to bad debts and should consider the protection of Trade Credit insurance.
What does it cover?
The non-payment of trade debts following insolvency (e.g. receivership, liquidation, and bankruptcy) and protracted default. If the trade debt is from an export transaction, the additional contract repudiation and various political risks can be included.
Can it help my client’s credit management?
Yes, it’s designed to complement and support good credit management and help your client trade with confidence. We respond promptly to increases in credit limits and can help if a customer slows in paying an account.
Can they insure sales to members of the public?
No, it’s for business-to-business transactions, such as manufacturers selling to wholesalers, wholesalers to retailers or contractors to builders.
How much does it cost?
Premiums can be calculated as a percentage of your client’s turnover or on a fixed fee basis and are reflective of their industry, their debtors’ quality and whether their customers are local or international. We can generally tailor our products to meet both your client’s risk coverage requirements and budget.