CREDIT INSURANCES

TRADITIONAL CREDIT INSURANCE (global or differentiating between domestic and foreign markets).

• Simplified policy management using the brokerage’s technical and human resources.
• Guarantees of between 75% and 90% for unpaid commercial credits.
• Compensation payments after 3 months.
• Client ratings and commercial information, systems for capturing new clients and ensuring their security.
• Conversion of an unforeseeable cost to a fixed bad debts cost (the premium), deductible from companies tax.
• Bad debts recovery service, offering savings in the resources set aside by the company for recovery services.
• Appointment of a beneficiary from a financial body (improved credit lines and cost of banking negotiations).
• Tailored policies, including for newly-formed companies.
• Political risk guarantee (over 120 countries).
• A chance to share in the benefits on premiums obtained by the insurer.

- CREDIT INSURANCE WITH EXCESS FOR SIGNIFICANT VOLUMES OF TURNOVER (PREMIUM REDUCTIONS).
• Risk excess, to be considered with reference to the policyholder’s client portfolio. Until there is a credit amount pending, the bad debt is not guaranteed.
• Insured amounts excess. The policyholder always shares in an amount of the unpaid credit.
• Individual and global excess and maximum annual compensations (loss excess). Envisages loss situations which significantly affect the policyholder’s results accounts.

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