Compass representing navigation of insurance market choices

Choosing the Right Trade Credit Insurance Market

The Right Coverage Starts With the Right Insurance Market.

Different insurers have different risk appetites, underwriting approaches, policy structures, credit limit capabilities and service models. Understanding these differences helps you get the coverage that best fits your business, buyers, countries and credit terms.

Discuss Your Situation

Why the Market Matters

Why the Insurance Market Matters

Trade credit insurers do not all view risk the same way. Each insurer has its own industry and country appetite, credit limit approach, coverage and exclusion wording, service model and pricing. The same buyer, industry or country may be covered by one insurer and declined by another, or offered at different limits, terms and pricing.

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Our Role

As an independent broker, JMR helps you navigate the options and find the market and policy structure that best fits your specific needs.

What Should Be Compared?

Key Factors to Compare

When evaluating trade credit insurance markets, we evaluate and compare a number of factors, including the following:

Business professionals reviewing industry market research and buyer data

Buyer and Industry Appetite

How the insurer views your buyers, industries and countries.

Financial analyst reviewing credit risk assessment documents

Credit Limits

The amount and structure of limits offered by different insurers.

Insurance professional reviewing policy documents with a colleague

Coverage and Exclusions

What risks are covered and what is excluded under the policy.

Insurance professional assisting a business client with claims administration

Service and Claims Administration

Underwriting process, ongoing support and claims approach.

Finance professional reviewing cost comparison spreadsheet and budget analysis

Cost

Premium rates, minimum premiums and other policy expenses.

The Available Markets

The Available Trade Credit Insurance Markets

JMR has access to leading global trade credit insurers. Each market offers different strengths, coverage options and risk appetites. The appropriate market depends on your buyers, industry, countries, credit terms, desired limits and other factors.

Examples of Private-Market Trade Credit Insurers

Allianz Trade logo

Allianz Trade

Domestic and international coverage with global capabilities.

Atradius logo

Atradius

Domestic and international coverage with flexible structures.

Coface logo

Coface

Global trade credit insurance and credit-risk expertise.

FCIA / Great American logo

FCIA / Great American

Domestic and international coverage with a range of structures.

Other trade credit and specialty markets may include: AIG | Chubb | Tokio Marine HCC | Markel | AXA XL | Zurich | Lloyd's specialty markets and other insurers, depending on the risk and coverage required.

US Capitol building representing EXIM Bank

EXIM Export Credit Insurance

The Export-Import Bank of the United States (EXIM) provides export credit insurance for eligible U.S. export sales. EXIM can cover a single foreign buyer, a few buyers or an entire export portfolio, and can support medium-term financing in certain cases.

  • Covers commercial and political risks
  • Single-buyer, multi-buyer and express options
  • Eligibility and policy requirements apply
Learn About EXIM Export Credit Insurance

How an Independent Broker Helps

How an Independent Broker Helps

As an independent broker, JMR works for you — not an insurance company. We help you evaluate the markets, compare options and obtain the coverage that best fits your business.

1

Learn About Your Business

Your receivables, customers, markets and objectives.

2

Identify Suitable Markets

We match your needs with insurers that fit your risk profile.

3

Obtain and Compare Proposals

We evaluate coverage, limits, terms and pricing across markets.

4

Negotiate Coverage and Terms

We work with insurers to seek appropriate limits and policy terms.

5

Assist With Implementation

We help with policy issuance, reporting and administration.

6

Ongoing Service

We support policy management, claims and renewals.

The Bottom Line

The Lowest Premium Is Not Always the Best Policy.

The best policy is the one that protects the buyers and exposures that matter to your business, works with your financing needs, and responds as expected when a covered loss occurs.