Best Structured Trade Credit Firms in the USA
Non-sponsored, Expert Verified and Transparently Ranked Structured Trade Credit Firms in the USA
Executive Summary
We analyzed 5 solutions. Top Recommendation: Trade Credit Insurance by Allianz Trade scored highest due to Mid‑market and large U.S. companies with concentrated buyer exposures and mature credit processes. Hybrid non‑cancellable coverage and excess‑of‑loss options hedge catastrophic losses, supported by a proprietary 85M+ company database and AA S&P strength [1], [2], [3].
At a Glance
Trade Credit InsurancebyAllianz Trade
Best for: Mid‑market and large U.S. companies with concentrated buyer exposures and mature credit processes. Hybrid non‑cancellable coverage and excess‑of‑loss options hedge catastrophic losses, supported by a proprietary 85M+ company database and AA S&P strength [1], [2], [3].
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Allianz Trade
Company Information
Allianz Trade is the global leader in trade credit insurance and credit management, offering tailored solutions to mitigate the risks associated with bad debt, ensuring the financial stability of businesses.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Global leader in trade credit insurance
- Tailored solutions for risk management
- Financial stability assurance for businesses
Technology Stack
Industries Served
Technical Information
Allianz Trade offers an API for developers to create and integrate solutions easily.
Social Links & Discovery
Categories
Keywords
Target Customers
Summary
Allianz Trade Credit Insurance enables businesses to offer B2B credit terms with confidence by insuring trade receivables due within 12 months. If a customer fails to pay due to insolvency, refusal, or inability to pay under contract terms, the policy indemnifies losses. The insurance also provides credit risk insights to inform credit decisions.
Overview
Trade credit insurance protects your account receivables enabling you to trade, expand domestically and abroad without the risk of bad debt.
Best For
Mid‑market and large U.S. companies with concentrated buyer exposures and mature credit processes. Hybrid non‑cancellable coverage and excess‑of‑loss options hedge catastrophic losses, supported by a proprietary 85M+ company database and AA S&P strength [1], [2], [3].
Key Features
- Covers trade receivables due within 12 months
- Indemnifies losses from customer non-payment (insolvency, refusal, inability to pay)
- Provides credit risk insights and monitoring
- Regular updates to credit limits based on changing conditions
- Tailored risk management solutions for different company sizes
- Advanced AI technology for risk assessment
- Global network and local expertise
Key Benefits
- Protection: Quickly replaces money lost through bad debt and strengthens cashflow
- Growth: Expand confidently domestically or internationally, supported by worldwide presence and experts in 50+ countries
- Insight: Permanent monitoring of financial situation and credit risk of customers and prospects
- Profitability: Safely increase exposure to new clients
- Funding: Receivables protection improves banks’ lending confidence
- Competitiveness: Improve customer relationships by offering credit terms
Who Is It For
- Any business that sells goods or services on credit terms to other businesses
- Small businesses
- Medium and large businesses
- Global businesses and banks (operating in 2+ countries with turnover over EUR 300 million)
- All industries
Features & Modules
Trade Credit Insurance
What is trade credit insurance?
Enables you to offer B2B credit terms with confidence by insuring your trade receivables due within 12 months. Indemnifies your losses if a customer fails to pay due to insolvency, refusal, or inability to pay. Informs your credit risk decisions through powerful insight.
How does trade credit insurance work?
- Customer credit checks: Analyse creditworthiness and financial stability of your customers.
- Credit limit calculation: Each customer has a credit limit – the maximum amount indemnified if they fail to pay.
- Business as usual: Trade with customers as you wish, with risk covered up to the credit limit.
- Trading limit updates: Informed of adjustments to credit limits as conditions change.
- New customers: Check creditworthiness of potential new customers; Allianz Trade confirms or explains if declined.
- Making a claim: If a customer fails to pay, inform Allianz Trade. They investigate and indemnify if policy terms are met.
Advantages of trade credit insurance
- Protection: Quickly replaces money lost through bad debt and strengthens your cashflow
- Growth: Expand confidently domestically or internationally supported by worldwide presence and experts in 50+ countries
- Insight: Permanent monitoring of the financial situation and credit risk of your customers and prospects
- Profitability: Safely increase your exposure to new clients
- Funding: Receivables protection improves banks’ lending confidence
- Competitiveness: Improve customer relationship by offering credit terms even when competitors can’t
How much does trade credit insurance cost?
Choose solutions based on your company size
- For small businesses: Designed to cut the time you spend managing customer debts.
- For medium and large businesses: Protect cash flow and receivables, with tailored risk management solutions.
- For global businesses and banks: For organizations operating in 2+ countries with turnover over EUR 300 million; expert team builds custom solutions.
Discover Trade Credit Insurance in your country
Links to local solutions in Americas, Africa, Asia Pacific, Eastern Europe, Western Europe, and Middle East.
Why Trade Credit Insurance from Allianz Trade?
Global strength, local expertise, and cutting-edge technology—Allianz Trade empowers businesses to navigate uncertainty, manage credit risks, and unlock growth opportunities with confidence. Provides tailored credit insights, protects against non-payment risks, and enhances access to financing. Advanced AI technology, local expertise, and a strong global network.
- DEDICATION: 75,000+ Corporate customers
- INSIGHTS: 289 Million Businesses accessible through risk grading
- ASSURANCE: AA Rating by Standard & Poor's
Most asked questions
- How does Allianz Trade Credit Insurance work?
- Who needs trade credit insurance?
- What does trade credit insurance cover?
Pricing
Credit insurance comes in various types and sizes, which also determine the price.
Pricing Factors:
- B2B turnover
- Countries of operation
- Type of customers
- Payment terms
- Desired coverage percentage
Pricing Models:
- Fixed price per turnover class (for some insurances)
- Premium as a percentage of turnover (most common)
Available In
Compliance
- Allianz Trade is the trademark used to designate a range of services provided by Euler Hermes
- AA Rating by Standard & Poor's
Atradius
Company Information
Company Overview
Company Details
Trust & Compliance
Key Value Propositions
- Flexibility in solutions
- Expertise in risk management
- Proactive debt collection services
Industries Served
Technical Information
Summary
Credit Specialties enables businesses to benefit from Atradius' expertise and data intelligence, as well as the flexibility and innovation of political risk market products. Policy wording is tailored to meet the needs of individual risks and to respond to evolving economic and geopolitical environments.
Overview
Atradius Credit Specialties provides tailored solutions outside the framework of whole turnover trade credit insurance policies, to cover trade, trade financing and political risks. The offering is designed for unique or complex risks that require customized insurance solutions, leveraging Atradius' expertise and data intelligence as a leading credit insurer, combined with the flexibility of political risk market products.
Best For
Exporters, commodity traders, and banks requiring structured trade credit solutions. Credit Specialties delivers non‑cancellable limits, excess‑of‑loss protection, and covers trade finance facilities plus non‑honoring of L/Cs and structured financings [1], [2], [3].
Key Features
- Non-cancellable credit limits
- Single situation and structured trade financing cover
- Contract frustration cover for multi-year projects
- Pre-shipment and non-payment risk coverage (including non-honouring of Letters of Credit)
- Whole turnover excess of loss cover with significant self-retained excess layers and discretionary credit limits
- Trade finance support (receivables purchase, reserve base lending, borrowing base financing, warehouse finance, buyer credit, leasing, structured financing)
- Advance payment cover and pre-export finance cover for non-delivery of pre-paid goods
- Unfair calling of bonds cover (including political risk and unfair customer calls)
Key Benefits
- Tailored policy wording for individual risks
- Coverage for unique, complex, or large-scale transactions
- Enhanced flexibility and innovation compared to standard credit insurance
- Support for evolving economic and geopolitical risks
- Works in conjunction with in-house risk analysis and credit management
Who Is It For
- Organizations with unique or non-standard credit insurance needs
- Businesses requiring non-cancellable credit limits, single situation cover, or structured trade financings
- Companies with robust credit management procedures
- Organizations requiring insurance for projects with intrinsic or regional strategic value
- Entities needing credit limits of more than EUR 1 million
- Financial institutions supporting trade finance
Features & Modules
Underwriting the situation
Atradius Credit Specialties provides tailored solutions outside the framework of our whole turnover trade credit insurance policies, to cover trade, trade financing and political risks.
What is Atradius Credit Specialties?
Credit Specialties provides the best of both worlds for our policyholders. It enables your business to benefit from our expertise and data intelligence as a world leading credit insurer, as well as the enhanced flexibility and innovation of our political risk market products. Our Credit Specialties policy wording is tailored to meet the needs of individual risks and to respond to the evolving economic and geopolitical environment.
What situations do Credit Specialties address?
They address the increasing demand for non-cancellable credit limits, single situations and structured trade financings across the globe. We work closely with our policyholders and their brokers to ensure that our solutions work effectively with their in-house risk analysis and credit management capabilities.
Could Credit Specialties be right for you?
In the same way that there is no standard Credit Specialties policy, there is no standard Credit Specialties customer. Everyone is unique. However, our risk appetite is strategically selective. We usually provide cover for organisations that can demonstrate robust credit management procedures, or require insurance for a project that has intrinsic value. This may be a project with regional strategic importance for example, or perhaps requires a credit limit of more than EUR 1 million.
Making a difference with a Single Situation cover
When you have specifically large contracts or business relationships with key counterparts, you may need an insurance safety net to provide some of the following cover:
- Straight Non-Payment cover for:
- Single large contracts with short term revolving credit terms
- Largest buyers, providing high risk concentration
- Top-up complement to your multi-buyers credit insurance
- Contract Frustration cover for multi-year projects covering:
- Pre-shipment
- Non-payment risks including the non-honouring of Letters of Credit
Protecting against Whole Turnover Excess of Loss cover
You may have strong credit management but still need to protect your entire turnover against an unforeseeable catastrophic event. When designing cover for such eventualities we can help with:
- Significant self-retained excess layers
- Discretionary credit limits
- Non-cancellable limits
Providing additional trade finance support
We protect the various ways financial institutions support trade, including:
- Receivables purchase facilities
- Reserve base lending
- Borrowing base financing
- Warehouse finance
- Buyer credit
- Leasing
- Non-honouring of Letters of Credit, Standby Letters of Credit and Import Letters of Credit
- Structured financing
Protecting against the risk of non-delivery of pre-paid goods
Paying up front for any goods will include an element of risk, one that may be unavoidable in certain jurisdictions or situations. To help protect you against this specific risk we have developed a range of advance payment cover and pre-export finance cover.
Covering the Unfair Calling of Bonds
There may be situations where your bond is at risk. This can include a customer who makes an unfair call, or a political situation outside of your control. Credit Specialties is designed to insure you against such eventualities.
The Credit Specialties team
Available In
Coface
Company Information
Company Overview
Company Details
Key Value Propositions
- Protection against non-payment of invoices
- Customized risk solutions
- Comprehensive business information services
Industries Served
Technical Information
Coface offers an API catalog for integrated solutions in business information and trade credit insurance.
Summary
Trade credit insurance is a protective policy that allows companies to safeguard cash flow, insure their receivables, and seek better financing terms from banks and lenders. It protects invoices from excessive late payments or default by customers. Coface covers the credit risk and compensates your loss by indemnifying you.
Overview
Coface Trade Credit Insurance provides companies of all sizes and sectors, in the U.S. and globally, with protection against the risk of non-payment by customers. It is a customized solution that helps businesses grow safely by safeguarding cash flow, insuring receivables, and enabling better financing terms. Coface covers the credit risk and compensates losses by indemnifying up to 90% of insured debts.
Best For
U.S. companies expanding domestically and abroad that want analytics‑driven credit risk control. Provides trade credit insurance, Single Risk cover for complex or one‑off exposures, and a Risk Dashboard for portfolio governance and exposure monitoring across subsidiaries [1], [2], [3].
Key Features
- Customized credit insurance solutions
- Coverage for unpaid customer debt, late invoice payment, and customer insolvency
- Indemnification up to 90% of insured debts
- Active monitoring of customer solvency
- Collection management by Coface experts
- Access to real-time information and risk analysis
- Online policy management via CofaNet Essentials
- API integration for seamless risk management
- Mobile app (CofaMove) for on-the-go management
Key Benefits
- Grow sales safely in new markets and with new customers
- Protect business from bad debt and catastrophic losses
- Access to Coface's global network of risk specialists
- Unlock better financing terms
- Collections expertise with fast and efficient international network
- Safeguard cash flow and margins through indemnification (up to 90%)
- Early risk detection and improved risk management
Who Is It For
- Companies of all sizes (small, medium, large)
- Multinational corporations
- Financial institutions
- Businesses seeking to enter new markets
- Businesses looking to expand relations with key customers
- Businesses aiming to increase sales
- Exporters
Features & Modules
Credit insurance solutions tailored to meet your business needs
Coface Trade Credit Insurance provides companies of all sizes and sectors, in the U.S. and beyond, with the security they need to strengthen their financials and avoid the risk of non-payment. Flexible solutions are designed to meet your business needs.
What is trade credit insurance?
Trade credit insurance is a customized solution that helps companies grow their businesses safely. It allows companies to safeguard cash flow, insure receivables, and seek better financing terms. Coface covers the credit risk and compensates your loss by indemnifying you.
Why choose Coface Trade Credit Insurance?
Coface is a global leader in risk management with over 75 years of experience. Coface risk experts monitor the financial health of millions of businesses worldwide and provide support through risk underwriters, account managers, and claims specialists.
What are the benefits of trade credit insurance?
With Coface Trade Credit Insurance, your business will have a customized solution to help you navigate risk and safely increase your sales.
- Grow sales safely
- Protect your business from bad debt
- Access global risk expertise
- Unlock better financing
- Collections expertise
- Safeguard with indemnification (up to 90%)
Innovative solutions for better risk management
Coface offers digital tools such as Coface Dashboard, Coface API Connection, and Credit Management Portal (CofaNet Essentials and CofaMove app) to help manage credit risk and policies efficiently.
- Coface Dashboard: Portfolio analysis and risk management
- Coface API Connection: Integrate risk expertise into your business systems
- Credit Management Portal: Online and mobile management of policies and claims
Is trade credit insurance worth it?
Protection from catastrophic loss is essential in today's global trade environment. Trade credit insurance can be a lifeline and often pays for itself through benefits like early risk detection, sales growth, and improved financing terms.
Available In
Compliance
- A+ Stable outlook
- A1 Stable outlook
- AA- Stable outlook
AIG
Company Information
Company Overview
Company Details
Key Value Propositions
- Established history of financial strength
- Wide range of specialized coverage
- Expertise in niche markets
Industries Served
Technical Information
Social Links & Discovery
Target Customers
Summary
Trade Credit Insurance (also known as Nonpayment Insurance or Accounts Receivable Insurance) protects companies and financial institutions that sell products or services on credit terms, or finance those sales, from losses due to nonpayment by buyers or borrowers. Nonpayment can result from commercial events (like insolvency or protracted default) or, in international transactions, from political events (such as wars, government interventions, or currency inconvertibility).
Overview
Trade Credit Canada offers Trade Credit Insurance to companies and financial institutions, protecting accounts receivable against losses from nonpayment due to commercial or political events. The offering includes export and domestic trade credit insurance products for corporate and financial institutions domiciled in Canada, with flexible, tailored coverage options.
Best For
U.S. corporates and financial institutions seeking certainty of receivables protection. Tailored non‑cancelable limit structures, single‑buyer options, and the TradEnable portal reduce admin while enhancing financing and multinational program control, backed by decades of trade credit experience [1], [2], [3].
Key Features
- Comprehensive coverage for nonpayment due to commercial and political events
- Export and domestic trade credit insurance products
- Premiums charged as a percentage of sales or as a per annum rate on limits
- Premium rates influenced by country risk, obligor risk, payment terms, and loss experience
Key Benefits
- Protection of accounts receivable against nonpayment risk
- Coverage for both commercial and political nonpayment events
- Facilitates global trade and trade financing activities
- Clear policy wordings and flexible, tailored coverages
- Cost-effective risk transfer mechanism
Who Is It For
- Companies selling products or services on credit terms
- Financial institutions financing sales on credit
- Corporate and financial institutions domiciled in Canada
Features & Modules
Canada – Trade Credit
What is Trade Credit Insurance and Why Do I Need It?
Trade Credit Insurance (Nonpayment Insurance or Accounts Receivable Insurance) protects companies and financial institutions selling on credit terms from nonpayment risk. Nonpayment can result from commercial events (insolvency, protracted default) or political events (wars, government interventions, currency inconvertibility). All policies provide comprehensive coverage against nonpayment risk from commercial and political events. Export and domestic products are available for Canadian-domiciled corporates and financial institutions, with clear policy wordings and flexible, tailored coverages.
Why Choose Great American?
Products
A range of trade credit insurance products and subproducts are available, including Multibuyer Policies, Single Buyer Policies, Specialty Coverages (Contracts), and solutions for Financial Institutions.
- Multibuyer Policies: Key Accounts Policy, Non-cancelable* Limits Policy, Discretionary Credit Limit Feature, Pay-As-You-Go Policy
- Single Buyer Policies: Single Buyer Medium Term Lease
- Specialty Coverages - Contracts: Contract Frustration, Non-delivery Coverage, Private Obligors, Government Obligors, On Demand Bonds
- Financial Institutions: As Insured (Purchase of Receivable Policy, Bank's Letters of Credit Policy, Trade Payables Financing Policy, Import/Export/Pre-export Financing Policy), As Loss Payee
Pricing
Available In
Zurich North America
Company Information
Zurich North America is a leading insurance provider specializing in commercial property and casualty insurance services. With a focus on delivering risk management solutions, they cater to a diverse range of industries and businesses across North America.
Company Overview
Company Details
Financial Information
Contact Information
Key Value Propositions
- Customized insurance solutions
- Strong claims management
- Industry-specific expertise
Technology Stack
Industries Served
Technical Information
Social Links & Discovery
Social Media
Categories
Keywords
Target Customers
Summary
Commercial insurance from Zurich North America offers businesses customized protection against risks such as property damage, liability claims, employee injuries, cyber threats, and more. By working with brokers and trusted carriers, businesses can select the right mix of coverages to address their unique needs and ensure financial stability.
Overview
Zurich North America's Commercial Insurance solutions provide a range of tailored insurance coverages designed to protect businesses of all sizes and industries from a variety of risks. These solutions help safeguard assets, employees, and operations, enabling companies to recover from unexpected events and continue growing with confidence.
Best For
Large enterprises, banks, and trading companies seeking integrated credit and surety capabilities. Zurich offers trade credit insurance for banks, traders, and manufacturers, backed by a global team and U.S. presence serving 90% of the Fortune 500 [1], [2], [3].
Key Features
- Customizable insurance policies
- Wide range of coverage types
- Claims support and risk management services
- Access to Zurich Resilience Solutions for risk mitigation
Key Benefits
- Tailored coverage to address industry-specific risks
- Comprehensive protection for assets, employees, and operations
- Financial stability and business continuity after unexpected events
- Support from experienced brokers and a reputable insurance carrier
- Ability to focus on business growth with peace of mind
Who Is It For
- Mid-sized companies
- Large enterprises
- Businesses across various industries (e.g., construction, healthcare, manufacturing, technology, retail, real estate, professional services, energy, financial institutions, hospitality, wholesale, travel, automotive, cultural institutions, private equity, marine, restaurant, federal government contractors, life sciences)
Features & Modules
Protect your business with the right insurance
Safeguarding your business matters—and commercial insurance offers a range of solutions designed to protect what’s most important to you. Whether you’re running a mid-sized company or managing a larger enterprise, understanding your insurance options empowers you to make confident, informed decisions for your future. Every business is unique. That’s why insurance providers offer tailored coverage to address the specific risks your industry faces. By customizing your policy, you can enjoy comprehensive protection that fits the unique nature of your business—so you’re ready for whatever comes next.
Protect your business with confidence
Choosing appropriate commercial insurance is essential for sustaining and growing your business. By familiarizing yourself with available options and partnering with brokers and trusted insurance carriers, you ensure your assets are well-protected so you can devote your energy to your business’s continued success.
Business insurance coverages offered by Zurich
Explore the different types of commercial insurance and how each can support your business.
- Accident and Health
- Builders Risk
- Captives
- Casualty
- Cyber
- Errors & Omissions
- Excess and Surplus
- Management Liability
- Multinational
- Pollution Liability
- Professional Liability
- Programs
- Property
- Surety
- Umbrella
- Vehicle Rental Business
- Warranty and Protection
- Workers’ Compensation
Manage your risk with Zurich Resilience Solutions
FAQs
- What is a commercial insurance carrier?
- What is covered by business insurance?
- What are examples of commercial insurance?
- What is the difference between carriers and brokers?
- What insurances are needed for a business?
Available In
Compliance
- Workers’ compensation insurance is required in most places if you have employees.
- Zurich American Insurance Company is the legal entity for Zurich North America.
Data Quality & Transparency
Our Ranking Methodology
How we rank these offerings
We ranked these Structured Trade Credit Firms in the USA using a weighted scoring formula: Coverage Limits (40%), Integration Capabilities (30%), Support and Expertise (30%). N/A values receive 0 points. Trade Credit Insurance (Allianz Trade) scored highest with 94.5 due to exceptional coverage, real-time integration, and U.S.-centric expert support. Companies with N/A values had reduced maximum scores in accordance with the set mathematical constraints.
Ranking Criteria Weights:
Higher coverage limits mitigate risk for businesses, especially in volatile markets, making this essential for financial stability.
Seamless integration can significantly streamline policy management, reducing administrative burdens for companies.
Strong support and knowledgeable underwriting teams ensure appropriate guidance and quick claim resolutions, critical for risk management.
Frequently Asked Questions
- What are the typical costs and pricing models for structured trade credit insurance in the USA?
- Pricing for structured trade credit insurance typically varies based on the type of coverage and the risk profile of the buyers. Hybrid coverage solutions, such as those offered by Trade Credit Insurance, tend to incorporate both traditional credit insurance and non-cancellable limits, which may lead to higher premiums compared to standard policies. Credit Specialties also provides tailored solutions that may include excess-of-loss coverage to manage unique risks, potentially affecting the cost. Generally, costs are influenced by factors such as credit limits, duration of cover, number of buyers, and industry sector.
- What are key selection criteria and considerations for choosing a trade credit insurance provider?
- Decision makers should focus on a provider's ability to offer non-cancellable limits, customizability, and digital capabilities. Trade Credit Canada emphasizes the importance of digital portals for efficient management, whereas Credit Specialties highlights tailored solutions for single-situation risks. Additionally, a provider's global underwriting network, such as that of Commercial Insurance, may offer significant advantages in terms of international capability and support. Assessing a provider's integrated analytics tools, as provided by Trade Credit Insurance, can also be critical for ongoing risk monitoring.
- What industry standards and compliance issues should buyers be aware of in the structured trade credit market?
- Industry standards for structured trade credit firms involve adherence to financial regulations and maintaining comprehensive risk assessment practices. Companies like Credit Specialties address a range of trade finance and political risks, ensuring alignment with both domestic and international regulations. It is essential for firms to comply with credit and financial reporting requirements, as well as maintaining transparency in operations. Adopting industry-standard digital tools, such as those offered by Trade Credit Canada, helps in streamlining compliance with operational checks and balances.
- What are common implementation challenges and their solutions in adopting structured trade credit insurance?
- A common challenge is integrating trade credit insurance into existing financial and operational frameworks. Solutions offered by providers like Trade Credit Canada include digital portals that simplify policy management and credit limit workflows, ensuring seamless integration into enterprise resource planning systems. Structured policies from firms like Credit Specialties, which offer single-situation and excess-of-loss coverage, can be designed to align with specific business models, minimizing disruptions. Additionally, leveraging analytics tools from Trade Credit Insurance can aid in aligning insurance coverage with business growth strategies.
- How is ROI and value delivery measured in the structured trade credit insurance sector?
- ROI in the structured trade credit insurance sector is measured by the extent to which the insurance mitigates financial risk and protects cash flow, thereby enabling business growth. Companies like Trade Credit Insurance provide integrated collections services which can enhance recovery rates, positively impacting ROI. Value delivery is also maximized through the non-cancellable limits offered by Trade Credit Canada and Credit Specialties, which protect against large buyer defaults. Digital analytics tools offer continuous monitoring of buyer performance, providing insights that contribute to value maximization.
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