Trade Credit

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Key benefitsCoverage optionsRisk appetiteWhy choose DUAL?Underwriting requirements

Flexible excess-layer trade credit insurance

DUAL provides focused trade credit insurance solutions to help businesses manage risk. We protect against the risk of non-payment, helping clients maintain cash flow in uncertain market conditions.
Our products are built to strengthen existing credit programs and fill capacity gaps. This gives insured control and confidence when trading with both domestic and international buyers.

  • 12 months

    Non-cancellable credit limits

  • 24 hours

    Policy issuance for Top-up Easy Start

Key benefits

Risk mitigation

Trade credit insurance helps protect from non-payment due to customer insolvency or protracted default. This helps reduce financial vulnerability while enhancing business resilience.

Improve cash flow

By guaranteeing payment on insured invoices, insured can maintain operational continuity and avoid disruptions caused by late or missed payments.

Access to financing

With the added security of insured invoices, a more favourable credit lines and financing arrangements can be accessed, supporting growth and investment.

Credit management support

Our trade credit insurance solutions provide valuable intelligence and security. We help businesses make informed decisions, reduce risk, and expand into new markets.

Keep operations on track

By safeguarding cash flow against buyer defaults, trade credit insurance enables insured to focus on growth.

Coverage options

We offer two three core short-term trade credit products to support your clients’ credit risk strategy.

DUAL Top-Up Easy Start offers a fast and flexible solution for urgent requests requiring additional capacity on a single buyer or a small portfolio.

Thanks to a streamlined review and onboarding process, policies can be issued within 24 hours, enabling clients to respond quickly to evolving business needs.

Following policy issuance, additional top-up limits can be added with ease, ensuring ongoing adaptability.

The premium rate is calculated as an annual percentage of the credit limit, with a minimum premium of EUR 5,000.

DUAL Top-Up Easy Limits is designed to provide a comprehensive solution for insuring all limit shortfalls, combining efficiency with flexibility.

The product automatically doubles smaller credit limits up to a pre-agreed threshold (for example, EUR 200K), while allowing a tailored, pick-and-choose approach for larger exposures.

For limits above the automatic threshold, top-up capacity is granted only for selected buyers where additional cover is required, with the option to request cover exceeding 100% of the primary limit.

This hybrid structure ensures both speed and control, with a fixed premium applied to smaller limits and a percentage-based annual premium for larger limits.

DUAL Non‑Cancellable Credit Limits ensures certainty and continuity, with buyer limits that remain fixed for a 12‑monthpolicy period and cover typically ranging between 90% and 95% against both commercial and political risks. Supported by ongoing risk monitoring and access to expert insights, the solution is designed for clients with strong credit management frameworks.

Key features include:

  • Non-cancellable buyer limits for the full 12-month policy period
  • Cover typically between 90% and 95%
  • Protection against commercial and political risks
  • Continuous risk monitoring with access to specialists

Flexible structures to match client needs:

  • Single Risk: cover for up to four individual buyers with a tailor-made approach
  • Multi Buyer: cover for a selected group of key customers (typically a minimum of five)
  • Whole Turnover: cover for the entire receivables portfolio, with possible limited exclusions and features such as claims thresholds and aggregate first loss

 

 

Risk appetite

Our solutions are available for businesses of all sizes. We’re interested in businesses who:

  • Sell goods or services on short-term credit (up to 6 months, typically 30–60 days)
  • Operate in sectors such as manufacturing, food, wholesale, chemicals, pharmaceuticals and construction
  • Require domestic or international trade cover
Trade credit

Why choose DUAL?

  • Human underwriting

    Our underwriting approach combines full commercial authority with fast decision-making, supported by short lines of communication and minimal paperwork. Clients benefit from a local and accessible risk analyst, ensuring a responsive, hands-on service and clear, efficient interactions throughout the process.

  • Extensive expertise

    Our team combines international expertise, bringing together over 100 years of market experience across seven specialists. As a trusted partner backed by A-rated insurer capacity, we focus on delivering solution-oriented support to help grow and protect your business, working exclusively through a strong and established broker network.

  • Easy to work with

    Our approach is built on efficiency and simplicity, offering quick response times combined with a straightforward policy wording and a smooth, easy onboarding process to ensure a seamless client experience.

Underwriting requirements

To get started with trade credit insurance, we will need:

  • Buyer or portfolio information
  • Requested credit limits
  • Loss history
  • Current risk management procedures
  • In case of top-up: information regarding the primary policy

 Contact us for more information.

We're here to help

Your questions matter to us at DUAL Europe.

We are a Managing General Agent (MGA) providing cover for specialised product lines.

If you are a broker or other intermediary, please use this form for all general enquiries. If you are a customer, please direct your query to your broker in the first instance.

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