Credit Insurance protects the business from the risk of non-payment of invoices due to insolvency, bankruptcy or customer default. It covers commercial and industrial receivables, providing credit risk assessment, customer monitoring and compensation in the event of non-receipt. It is a key tool for managing liquidity and preventing losses that can directly affect the company’s turnover.
With customised coverage limits and continuous monitoring of the portfolio’s credit behaviour, insurance enhances cash flow stability, facilitates secure partnerships and improves access to financing through banks or investors.
Maxima Insurance provides independent analysis of available solutions, guidance in the formulation of credit frameworks and full support in claims management, ensuring a high level of protection and predictability for the business.
Credit insurance is a key tool for credit risk management, providing protection to the business against the risk of non-receipt of invoices due to insolvency, bankruptcy or prolonged delay in payment by customers.
Through approved credit limits per customer and predefined indemnity terms, the company gains increased control over its trade receivables and limits the risk of losses that may directly affect its liquidity and financial stability.
Insurance covers commercial claims, both in the domestic and international markets, and combines insurance protection with credit risk assessment, continuous customer monitoring and compensation in case of non-payment, contributing to the systematic prevention of bad debts.
Maxima Insurance, as an independent insurance intermediary, provides in-depth analysis of available market solutions, guidance in the formulation of credit frameworks and comprehensive support in claims management, ensuring a high level of protection, transparency and financial predictability for your business.
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Frequently Asked Questions
Find answers to key questions about the plan and get information before you choose the coverage that’s right for you.
Credit insurance protects the business from the risk of insolvency, protracted default and bankruptcy of its customers.
It is a credit risk transfer tool, contributing to the stability of cash flows and the limitation of bad debts.
Credit insurance enhances liquidity and helps optimise working capital by reducing exposure to bad debts.
At the same time, it can be supportive of financing (e.g. factoring or bank financing), as insured receivables are considered lower risk.
It enables the business to provide credit with greater security, facilitating the expansion of the customer base and increasing sales.
It allows for more competitive trading conditions without a corresponding increase in credit risk.
The insurer assesses the creditworthiness of customers and sets credit limits per buyer (credit limits).
At the same time, it provides continuous monitoring of creditworthiness and information on changes in credit risk.
The company conducts its transactions within the approved limits, having increased visibility and control over its customer base.
Most of the claim (usually 90%) is covered in cases:
- insolvency
- prolonged late payment
- bankruptcy or cessation of activity
The remaining percentage is the deductible of the company.
In case of delay or non-payment, the claim management procedure is activated.
The insurance company can take over the monitoring and collection of the debt (collections) and, if the conditions are met, proceeds to compensation.
Continuous information on the solvency of customers helps to identify and prevent risks in a timely manner.