Business Protection Plan
Insure Your Invoices. Protect Your Business.
Trade Credit Insurance protects your business against bad debts due to customer default. If your buyer doesn't pay — due to insolvency, fraud, or dispute — your turnover is protected.
Get Protected Today40%
of business failures are due to customer insolvency
₹25L+
average loss from a single major customer default
80%
of receivables can be covered by insurance
What's Covered
Commercial Risk
Protection against customer insolvency, bankruptcy, or protracted default (non-payment beyond 90 days)
Political Risk
Coverage for non-payment due to political events, currency transfer restrictions, or government actions
Domestic & Export Coverage
Protection for both domestic B2B invoices and international trade transactions
Comprehensive Collection Services
Professional debt recovery services included with your policy at no additional cost
How It Works
Policy Setup
We assess your business needs and customize a protection plan that covers your specific risks
Credit Limit Approval
Request credit limits for your customers, which we evaluate based on their financial stability
Ongoing Business
Conduct business as usual while we monitor your customers' creditworthiness in the background
Claims Process
If a customer defaults, simply file a claim and receive payment typically within 30 days
Debt Recovery
Our professional collection team works to recover the debt while you focus on your business
Business Benefits
Secure Cash Flow
Guarantee your accounts receivable and maintain stable cash flow even when customers default
Expand Safely
Confidently enter new markets and extend credit to new customers with reduced risk
Enhance Financing Options
Improve access to working capital funding with insured receivables as collateral
Strengthen Credit Management
Access expert credit information and risk assessment on your customers and prospects
Real Business Impact
A manufacturing company with ₹5 crore annual turnover faced a crisis when their largest customer, accounting for 20% of sales, declared bankruptcy.
"The insurance payout saved our business from a severe cash flow crisis and potential layoffs. The premium we paid was a fraction of what we recovered."
Frequently Asked Questions
What is Trade Credit Insurance?
Trade Credit Insurance (also known as Business Protection Plan) is a risk management tool that protects your accounts receivable against customer default due to insolvency, protracted default, or political events. It ensures you get paid even when your customers can't or won't pay their invoices.
How much does Trade Credit Insurance cost?
The cost typically ranges from 0.2% to 0.5% of your insured sales turnover, depending on your industry, customer portfolio risk profile, past credit losses, and the coverage options you select. It's a small investment compared to the potential losses from unpaid invoices.
Can I insure specific customers only?
Yes, we offer flexible options including whole turnover policies (covering all customers) and specific account coverage (key customer protection). We can tailor a solution that addresses your particular risk concerns.
How quickly are claims paid?
Once a claim is approved, payment is typically made within 30 days of the claim filing date. This ensures you maintain cash flow even when facing customer payment defaults.