Important. Marketing material. Not advice or a commitment to insure. Cover, limits, and pricing depend on insurer appetite, obligor credit, jurisdiction, sanctions and AML screening, and final policy wording.
Trade Credit Insurance Placement
We place credit insurance programs that unlock limits, support receivables financing, and protect P&L when buyers default. The focus is practical: the right structure for your book, bankable wording, and a clear claims path that stands up in stress.
What We Place
- Whole-turnover policies with buyer limit build and top-up options
- Single-buyer and named-buyer programs for concentration or anchor risk
- Excess-of-loss and catastrophic layers for higher deductibles and larger caps
- Political risk extensions where country risk dominates recoveries
Why Clients Use It
- Raise advance rates in receivables and securitization programs
- Win terms with new buyers without taking open-account risk
- Smooth losses in downturns and protect covenants
- Free up bank limits when internal caps are tight
Outcome. Capacity where banks top out, pricing that reflects insured risk, and wording lenders will accept.
Program Design and Policy Terms We Tighten
Design
- Eligibility rules by buyer, product, geography, and tenor
- Limit build process and escalation for new exposures
- Notification, overdue, and stop-ship thresholds that operations can meet
- Alignment to receivables finance and securitization covenants
Wording Control
- Defined events: insolvency, protracted default, political risk triggers
- Exclusions and carve-backs for disputes, set-off, and retention of title
- Indemnity, excess, waiting periods, and claims timelines
- Assignments, loss-payee endorsements, and cut-through for lenders
| Structure | Typical Use | Deductible / Excess | Limit Range |
|---|---|---|---|
| Whole Turnover | Broad book with many obligors | Low to medium | By buyer limits; program caps apply |
| Named Buyer / Single Buyer | Concentrated exposure to key accounts | Low | High per-buyer limits possible |
| Excess of Loss | Large, diversified portfolios | Higher deductibles | High catastrophe caps |
| Political Risk Add-on | Frontier or sanctioned-adjacent markets | Varies | Country-specific limits |
Illustrative only. Final terms depend on data quality, loss history, sector, country mix, and insurer capacity.
Request a Credit Insurance Assessment
Share buyer list, limits requested, tenor profile, top five countries, and any financing needs. We will respond with feasibility, insurer short list, and a timeline to bind.
Open Client IntakeDisclaimers. FG Capital Advisors is not an insurer. Coverage and pricing are subject to insurer approval, sanctions and AML checks, and final policy wording. Past outcomes do not predict future results.
