Trade Credit

Business protection from the impact of payment default by key customers


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AIG provides the security to your company which needs to trade internationally and domestically by insuring your accounts receivables against the risk of customer non-payment arising from insolvency, protracted default and political risks.

Why get Trade Credit Insurance?

By protecting against the risk of customer default, trade credit insurance is a key instrument in your company’s credit risk management. With trade credit insurance, your company is assured of the support on cash flow and liquidity at any time. Trade credit insurance enhances your company’s credit standing and facilitates more attractive financing terms. With reduced credit risk, your company can expand existing markets and establish new ones with greater confidence.

Why AIG?

Our experienced local underwriting teams and policy servicing capabilities are supported by our extensive network of operations serving customers in over 100 countries and jurisdictions. We have over 30 years of experience underwriting trade credit insurance with over $1 billion in claims paid over that time. Clients can apply for credit limits, review coverage, and access macroeconomic data via our Global Limits online policy management system, at any time and from anywhere.

Who is it for

Trade Credit Insurance protects open account sales - export and domestic - against non-payment resulting from a customer's legal insolvency, protracted default or political risk.

What is covered

Apart from protecting the insured's primary source of cash and the accounts receivable, our coverage can potentially enable the insured to expand sales in new markets and offer more competitive terms of sale.

Product Details

Comprehensive Credit Insurance

Domestic, foreign or global accounts receivable protection is provided for any loss arising from buyer payment default due to insolvency, protracted default or the failure of the exchange authority in the buyer’s country to transfer foreign currency.

Trade Credit Multinational Programs

Global accounts receivable insurance with local policy issuance for foreign subsidiaries wrapped by a Controlled Master Program (CMP) provides integrated coverage for insolvency, protracted default and currency transfer risk on your global accounts receivable asset.

Top Accounts or Single Buyer Coverage

Accounts receivable coverage for your top/key customer(s) domestically or globally, whether for the company as a whole or for a subsidiary/division, can be provided under our DECI policy form.


- This is not a contract of insurance. All benefits and coverages are subject to the policy terms, exclusions and to the limits indicated under the selected plan (if any).

- Please ensure you read carefully and understand the insurance coverages and conditions prior to making a decision.