Trade Credit Insurance safeguards your business receivables against buyer insolvency and non-payment — so you can trade with confidence, explore new markets and grow without fear.
Trade Credit Insurance (TCI) is a risk management tool that protects your business against financial losses arising from a customer's failure to pay for goods or services delivered on credit terms.
When you sell on credit — whether domestically or internationally — you face the risk that your buyer may default due to insolvency, protracted default or political risks. TCI ensures your receivables are protected so your cash flow remains stable.
In Malaysia, Trade Credit Insurance policies are issued by locally licensed insurance companies with reinsurance support and capacity provided by Allianz Trade — the world's leading trade credit insurer, formerly known as Euler Hermes.
Unpaid invoices are one of the leading causes of business failure in Malaysia. Trade Credit Insurance gives you the confidence to extend credit terms, win more business and expand into new markets — knowing you are protected.
Covers losses when your buyer becomes insolvent or is declared bankrupt — ensuring you don't suffer from their financial difficulties.
Covers situations where your buyer simply fails to pay within the agreed credit period — even without formal insolvency proceedings.
Protects both domestic sales on credit terms and export receivables — giving you confidence to trade locally and internationally.
Covers your trade receivables due within 12 months — the standard credit period for most B2B transactions.
A straightforward process that protects your business at every stage of the credit cycle.
We assess your buyer portfolio and structure a policy that covers your key credit risks and receivables.
Allianz Trade continuously monitors the financial health of your buyers using proprietary global data.
Sell on credit terms knowing your receivables are protected — domestically and internationally.
If a buyer fails to pay, you notify us promptly and we initiate the claims process on your behalf.
Your insurer compensates you for the covered loss — typically up to 90% of the outstanding invoice value.
Any business that sells goods or services on credit terms is exposed to non-payment risk.
Protect large receivables from distributors and buyers who purchase on extended credit terms.
Safeguard your margins when selling to multiple buyers across different industries and geographies.
Expand confidently into new markets knowing your foreign receivables are protected against political and commercial risks.
Small and medium businesses often have concentrated buyer risk — TCI provides a safety net for your most critical receivables.
Global organisations can access dedicated multinational TCI solutions for complex cross-border credit exposures.
Banks and financiers use TCI to secure receivables-based lending and supply chain finance programmes.
Watch this short video by Allianz Trade to understand how trade credit insurance can protect your business.
Video courtesy of Allianz Trade · Official YouTube Channel
Contact us today for a no-obligation consultation and quotation tailored to your business.