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Trade Credit Insurance

Trade credit insurance provides cover for businesses in the event of their customers failure to pay for the products or services provided.

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As a broker, we offer access to trade credit insurance that gives businesses of all sizes the confidence to extend credit to new customers and improves access to funding, often at more competitive rates. Trade credit insurance is for products and services that are due within 12 months.

Cover can be obtained by companies trading within the UK as well as internationally, and in addition trade credit insurers help their customers manage risk by providing guidance and advice about credit risks and new markets to help businesses expand. Businesses can buy trade credit insurance for their entire portfolio of customers, or for individual accounts.

With trade credit insurance, the policyholder knows their business is protected against both commercial and political risks that are beyond their control knowing that money owed to them will be paid. This helps firms to grow profitably, supporting them at all stages of the business cycle and minimising the risk to them of unexpected customer insolvency.

In partnership with credit insurer Euler Hermes, we have developed a free tool to help you better understand your credit risk. Euler Hermes have over 100 years of investment in data, and their global business intelligence is unrivalled. They use expert analysts and technology-driven processes to generate insights and present actionable information to businesses of all sizes and in all sectors. 

Visit the Credit Risk Analyser to create your free credit dashboard, analyse your customer portfolio and understand your credit risk in just a few clicks.

Trade credit insurance policy features*

Policies are flexible to cater for the requirements of each business, and can provide a range of covers for:

  • Their entire portfolio under one policy insuring a wide range of risks across both domestic and export trade
  • Key buyers only, either on an individual basis or as part of a smaller portfolio of key risks
  • Supplying businesses that have very specific requirements.

There are many different types of credit insurance policies to suit the needs of all businesses, including:

  • Single risks or buyers
  • Exports
  • Global trade
  • Political risks
  • Exceptional, one-off risks.

    What is trade credit insurance?

    Trade credit insurance protects businesses by covering off the risk of customers failing to pay for goods or services. By taking out a trade credit insurance policy, you’ll be ensuring that money owed to you will be paid, even in cases of insolvency.

    Who is trade credit insurance for?

    Trade credit insurance is for businesses of all sizes that sell goods or services on credit terms, either within the UK or internationally. Examples include manufacturers, construction companies, retailers, pharmaceuticals and other similar industries with complex supply chains.

    How much does trade credit insurance cost?

    The cost for trade credit insurance depends on several factors including the industry you work in and the types of customers you work with, your previous claims history and the level of coverage you need. As a broker, we can help you find a policy that is suitable for your needs.

    *This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

    Words from our clients…

    Shannonside Civil Engineering Ltd

    "Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

    John Hall, Director, West Midlands Fasteners

    "Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

    Faisal Ravat, Managing Director, E&S Motors Ltd

    "We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

    Frank Ryan, Director, Reirse Ryan Ltd

    "We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

    Gerald Doble, Director, G A Doble

    "The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

    John Dyke, Central Scaffold Walsall Ltd

    "As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall