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Credit Insurance

We know many businesses have constant problems collecting money on time. This can affect business cashflow, personal targets, paying staff wages and ultimately reputation. The good news is that the claims and collection process of a credit insurance policy can help recover the debt.

What does credit insurance cover?

  • Insolvency – company cannot pay your invoices
  • Non Payment – company cannot pay your invoices
  • Political Risk – inability of your customer to pay, or your inability to fulfil the contract, due to conditions in their country or a country the goods must pass through
  • The cost to your company is not just the amount of the debt you have written off. The sales effort needed to replace the loss can be considerable.


  • The whole of your sales ledger
  • Single or selected accounts based on size, ledger, market, rather than on perceived high risk
  • Export only, or with the Domestic ledger

  • Information – the underwriters can provide on line up to date information and intelligence on your customers, which credit rating agencies cannot match
  • Protection – if the worst happens, and your customer cannot pay, you can claim 90% of the debt (or the limit)
  • Collection – slow payment can be collected by the underwriters, supporting your cash flow.

  • HAE Insurance Services can arrange a completely confidential, free of charge no obligation conversation about how to protect your business from bad debt.

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