Credit and guarantee insurance

CREDIT INSURANCE

Why do we need this insurance?

It prevents losses and protects your company’s cash flow in case of non-payment. for credit sales.

It provides an objective opinion about eachof your clients and their respective credit limits, allowing you to increase sales sustainably.

It enables credit planning and continuous monitoring of clients’ solvency, improving your company’s operational efficiency.

It protects your company against unexpected losses from accounts receivable.

It transfers the credit risk and the costsassociated with collecting unpaid debts to the insurer.

It reduces bad debts, improving your company’s liquidity ratios, solvency, and cash flow.

It allows you to reduce the amount of impairment in your balance sheet.

It facilitates access to bank financing under more favorable conditions.

What risks does it cover?

Compensates for losses incurred from your credit sales, whether domestic or international, resulting from:

Insolvency or similar situations.
Payment delays (arrears) by your clients.

Includes risk analysis and monitoring of the customer portfolio, as well as judicial or extrajudicial collection.

Tips for contracting this insurance

Define the capital to be subscribed, retention rate, and deductibles you are willing to accept.

GUARANTEE INSURANCE

Why do we need this insurance?

It ensures compliance with legal and contractual obligations made to third parties.

It is an alternative product to bank guarantees and has the advantage of not increasing your debt ratio.

With a small fraction of the total cost, it transfers the responsibility of payment to a third-party entity without immediately impacting your company’s cash flow.

What risks does it cover?

Contract work and supply: Guarantees proper and regular compliance with construction, works, or supply contracts.

Customs guarantees: Ensures compliance with customs requirements before customs authorities.

Various contractual guarantees: Ensures proper compliance with obligations undertaken with third parties (public or private entities), whether legally or contractually set.