Trade credit insurance: Safeguard your business

Mitigate the threat of unpaid debts through trade credit insurance

Customized credit insurance solutions designed to meet your unique business requirements

Whether you're a small local enterprise or a global exporter, safeguard your B2B transactions from the uncertainty of unpaid debts. Explore our flexible options tailored to your company's size and market, ensuring comprehensive protection and peace of mind.

What is credit insurance?

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Credit insurance allows companies to grant payment periods to their customers in Australia and internationally with confidence.

Trade credit insurance protects your invoices against excessive late payment or – in the worst-case scenario – default by your customers.

Coface covers the credit risk and compensates for your loss by indemnifying you. A range of options are available so you can adjust your coverage to meet specific risks (such as political or manufacturing risks, litigation, etc.).

What is credit insurance?


We monitor your customers’ financial health, helping you make the right business decisions. And our business credit insurance means you have easier access to financing.

In short, when you insure your sales in Australia and / or for export, you protect your cash flow and preserve your margins. You also optimize the management of your accounts receivable and safeguard your growth.

How does credit insurance work?

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1. Keeping you informed

We never stop analysing the environment of your customers (country, sector, etc.) together with their financial information (accounts and financial ratios) so we can direct you towards solvent companies and freeze out bad debtors.

This cuts down your unpaid debts and means your company works with the right partners.

How does credit insurance work?


2. Collecting your unpaid invoices

Our experts in Australia and abroad take on the responsibility of collecting your unpaid invoices for you. This then keeps your relationship with your business partners intact.

3. Protecting your company

Coface indemnifies your guaranteed receivables irrespective of how the recovery process turns out.

Why choose Coface trade credit insurance?

Trade credit insurance provides 4 essential services so you can avoiding the risk of customer non-payment:

  • Efficient Receivables Management

    Utilize credit insurance to manage accounts receivables efficiently. Identify reliable clients, establish realistic credit limits, and enhance collection rates by entrusting trade receivables to reputable third parties.

  • Enhance Cash Flow Protection

    Shield your cash flow from potential disruption caused by unpaid invoices, safeguarding your business growth. Credit insurance prevents economic instability by breaking the cycle of bankruptcies and job losses resulting from non-payment.

  • Facilitate Business Expansion

    Trade credit insurance helps you assess your risks and identify the customers and partners you can work with.

  • Make financing easier

    Credit insurance guarantees you have optimised cash flow so you can meet one-off needs. It’s a sign of confidence that reassures your financial partners, helping you obtain future financing.

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Innovative solutions for better risk management

Credit management platform

Our secure online platform means it’s easy to manage your policy from A to Z. With CofaNet Essentials, you:


• Access information about your business partners

• Manage your client portfolio

• Manage your guarantee requests

• Report your unpaid debts

• Keep track of your claims


CofaNet also performs debtor risk evaluations and offers export features with the potential for more in-depth research.


And with the CofaMove mobile app, you can access CofaNet Essentials wherever you are and whenever you want.

Coface API portal

Discover a game-changing asset for more efficient credit management.
Coface API portal opens doors to seamless integration of Coface's powerful API solutions into your existing applications. 

  • Elevate risk management, enhance credit decisions, and fortify financial strategies effortlessly. 

  • Maximize efficiency, minimize risk: Coface API Portal is your strategic ally for a robust, data-driven approach to credit management. 

  • Revolutionize your processes today for a more secure and prosperous financial future.


> Visit Coface API Portal

Coface Dashboard

Coface Dashboard is our business intelligence tool that provides you with interactive reports to facilitate:


• Reporting and performance tracking

• Producing analyses ranging from macro trends to individual changes

• Identifying consolidated risks for groups of buyers

• Managing your programme, in particular by supporting your decisions, and customising the features of the tool and the risk transfer parameters

• The credit risk governance in your group

How much does credit insurance cost?

In general , Trade credit insurance premium is calculated based on your turnover (the net sales figure you pull in as a company). Your past transaction history and the debtors with whom you are trading are also taken into account.

When you apply for a quote, a two-part process will follow. First, the insurance company will assess the type of trade you are involved in and your overall business profile to determine a policy rate and terms. Then, the trade credit insurer will analyze your trading partners and their financial strength to determine the credit limit coverage that will be available to you.

For example ; if a company has a t/o of over  A$20 million , the cost equates to a premium rate that varies on average between 0.1 and 1% of turnover. 
This figure is based on the volume of insurable business, the profile of your company – in particular, its area of activity and history of claims – and your requirements (the type of coverage, specific options, etc.).

Grow your business with a risk management expert


200countries covered

685billion € exposure

AM Best logoAStable outlook

Moody's logoA1Stable outlook

AA-Stable outlook

What does failure really cost you?



The extra turnover needed to make up for loss

The simulation above shows the additional turnover that your company must achieve to compensate for the loss due to a non-payment.

Get a free analysis of your client portfolio


Mark Harsent, UK Risk Manager, Denmaur Independent Papers Ltd

Having used credit insurance for many years, I’d recommend Coface because their response times on limits are exceptionally good compared with other providers, their underwriters know what they are doing and they are always happy to discuss any issues.


The results are clear-cut: since 2008, Diagast has not had any unpaid invoices on the events covered.


Our regular interactions with the teams at Coface help us analyse, evaluate and prevent our risks.

Frequently asked questions

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