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Credit Risk Insurance
What is credit insurance?
Credit insurance is a policy designed to protect the money your customers owe you when you sell goods or services on open terms. Credit insurance providers evaluate the financial health of your accounts and ensure payment from creditworthy companies, giving you peace of mind and financial security.
Credit Insurance policies can be tailored to cover losses due to the following situations:
- Bankruptcy
Coverage applies in cases of customer reorganization or liquidation - Slow Payment
Protects you when customers fail to repay their debts within the agreed terms - Political Risk
Shields your business from nonpayment resulting from political events or economic instability in foreign countries.
$413 Bn
in annual guaranteed commercial transactions
7,200+
insurance policies managed
110 countries
where we issue policies
Credit Risk Insurance
Credit Insurance Options
- Comprehensive Credit Insurance: These policies cover every account to protect you completely. The insurer's underwriting team reviews existing customers and new prospects to determine their creditworthiness while providing ongoing monitoring and alerts for potential changes. A comprehensive policy can include discretionary coverage that you can control and is designed to align with your unique portfolio of customers.
- Selective Coverage: This type of coverage allows you to insure only a selected segment of your portfolio. This can be your international accounts, largest customers, or even high-risk accounts through specialty carriers.
- Excess credit insurance: this solution is designed for companies with strong existing credit management practices combined with an external information solution. Excess credit insurance is particularly appropriate if your company has a large number of outstanding clients, in order to protect against exceptional accumulations of default risk. Excess credit insurance only applies to transactions within the OECD.
Our Approach
AU Group, a tailor-made approach to credit insurance
AU Group is a family-owned credit insurance advisory firm that has been a leader in the industry for nearly 100 years. Our unique approach combines a deep understanding of your needs and goals with extensive knowledge of all available carriers and solutions. We provide expert advice and best practices to ensure you find the right solution for your business.
We are present in over 50 countries.
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Our CSR commitments
AU Group is committed to developing a sustainable world and economy by respecting people and managing natural resources.
Careers
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