Top Up credit insurance cover

The advantages of Top Up coverage with AU Group

A tailor-made solution

At AU Group, we know that no two companies are alike. That's why every Top Up policy we structure is based on a personalised study of your customer risk exposure. It takes into account your business sector, your buyer portfolio and the specific features of your domestic and export target markets. Our approach is to integrate Top Up as a genuine sales enhancer directly into your overall receivables management programme to maximise the effectiveness of your credit insurance.

As a specialised broker,we select the Top Up complementary solutions best suited to your risk profile by drawing on the offerings of various credit insurance companies. In this way, we can offer you second-tier cover policies that augment your existing credit limits on certain strategic buyers. This additional coverage can be applied to USD or EUR amounts for any type of transaction and with a flexible duration to suit your business needs.

Thanks to our expertise in the credit insurance market, we can help you define the key parameters of your policy: 

• Threshold
• Indemnity rate aligned with your main policy
• Nature of risks covered (commercial, political...)
• Compatibility with the requirements of your financiers

We build tailor-made protection to cover your trade receivables proactively and without red tape. As a result, you have access to additional insurance capacity to further develop your sales by offering you greater financial security.

Financing leverage

By improving your collateral, you also raise your profile with banks and factoring companies. This means you can obtain larger financing lines, with no additional administrative burden.

International coverage

The policies we put in place cover your receivables in over 150 countries. These policies are adapted to the local requirements of each market (legal, regulatory, sectoral, etc.)

Which companies can benefit from Top Up coverage?

The Top Up cover is aimed at all companies already holding a traditional credit insurance policy, whatever their size or sector of activity. Most companies that call on a Top Up cover encounter coverage limitations on certain customers. Whether you're a large group, a fast-growing SME, or an exporter, this complementary solution can meet all your specific needs.

When to use a Top Up cover in credit insurance?

Top Up cover is ideal when existing credit limits are insufficient and are restricting sales.

In addition, Top Up cover may be necessary if you are launching a new product line, targeting an export market, or facing a seasonal peak in activity or a rise in inflation. In fact, it offers you unique flexibility to meet your evolving needs. It supports your growth while securing your sales.

By integrating a customised Top Up policy, you gain access to additional protection without burdening your accounts receivable management.

Intelligent digital tools

We complement our human support with a digital offering designed to give you greater autonomy and visibility. Thanks to our suite of intelligent digital tools, you can track and analyse your outstanding receivables in real time, and access strategic data essential for guiding your business decisions.

Have you reached the ceiling set by your primary insurer? Would you like to cover a larger volume of receivables? Are you looking to reassure your financial partners?