In today’s environment companies face many challenges; from increased competition, lower margins, higher costs, recessionary economic conditions, unpredictable changes in government policies and management errors. This can mean bankruptcy for both domestic and international companies. Credit insurance provides cover for receivables in the event of a debtor being unable to pay. There are many other benefits to trade credit insurance other than simple ‘risk transfer’, and credit insurance is the only product available that provides a return on investment without ever having to make a claim. Any business selling on credit is suitable for a trade credit insurance policy and costs usually range between 0.1%-0.5% of insurable turnover.