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Top Up credit insurance
Top Up insurance is a solution that enables companies to increase their credit insurance coverage. Discover how this additional protection can secure your commercial transactions and support your growth.
Top Up credit insurance
What is Top Up insurance?
Top Up cover acts as an additional, complementary cover for your receivables, optimising your existing credit insurence when it cannot meet your needs on a specific customer. It generally doubles the coverage limits set by your primary insurer, offering increased protection on your customers.
Flexible, tailored subscription options
To benefit from Top Up, your company must already have a credit insurance policy. A precise analysis of your existing programme is required to define the scope and structure of this second-tier policy.
International protection
Top Up can insure your domestic as well as your export receivables.
A strategic tool to maximise financing
Top Up can also make it easier to obtain improved financing from banks or factoring companies, as a result of the increase in credit limits.
Needs evolve throughout the life of the company
Companies may need Top Up limits at different stages of their development. When creating a new product line, to support rapid growth, to penetrate new markets, or to manage periods of high seasonality. Top Up limits offer the flexibility to adapt to these changing needs and ensure ongoing protection.
Optimised implementation thanks to the expertise of a specialised broker
A specialised broker provides significant added value by structuring a Top Up solution tailored to your growth strategy. At AU Group, we can also help you navigate the regulatory and legal complexities specific to each market and country, ensuring a smooth and efficient implementation of your additional coverage. By integrating a Top Up cover into your credit insurance strategy, you can secure your trade receivables and support your growth proactively and flexibly, regardless of the market in which you operate.
Our approach
Ask our experts to set up an effective Top Up programme. They'll guide you through the crucial steps:
- In-depth assessment of your specific needs in each market
- Verification of eligibility and analysis of options available
- Strategic choice among various Top Up solutions available on the market based on your risk profile.
- Negotiation of the best terms with insurers, taking into account your specific needs
- Optimal definition of coverage parameters for tailored, robust and long-lasting protection
Let's discuss your needs together
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