Credit and Surety Insurance
Credit insurance guarantees payment if your debtor becomes insolvent; surety insurance guarantees that you meet your own obligations.
What does it cover?
Credit insurance guarantees payment of amounts owed to you when your debtor becomes insolvent, so a bad debt doesn't drag down your business's cash flow.
Surety insurance guarantees that you meet your obligations to third parties, and is common in public tenders, construction works and supply contracts.
Typical cover
- Non-payment due to debtor insolvency
- Customer classification and commercial risk control
- Debt recovery management
- Surety cover for public authorities
- Contract performance guarantee
What an Insurance Broker really is
A broker is the expert who acts as an intermediary between the insurance company and the client, representing the insured party and their interests, rather than the insurer alone.
We are the only professionals legally qualified and authorised to advise with strict independence and impartiality from insurance companies.
- We compare the marketAdvice based on an objective analysis of contracts from a sufficient number of insurance companies.
- It costs you nothingBrokers are paid by the insurer in the form of commission. In principle, the service costs the client nothing.
- We take care of everythingFrom taking out the policy to the claim, should one arise.
- We represent your interestsBefore the insurer, just as a solicitor would.
Other insurance for shops and the self-employed
Multi-risk for shops
The premises, contents, stock and the activity carried out inside, in a single policy.
View policy
Holiday letting
For anyone who manages holiday-let properties as a business: third-party liability, property damage and business continuity.
View policy
Rent guarantee
For landlords of homes and business premises: guaranteed rent, eviction costs and malicious damage.
View policy
Public and Employers' Liability
Operational, employers', premises and product liability cover against third-party claims arising from your business activity.
View policy
Life
Protects your family and your business in the event of the death or permanent disability of the business owner.
View policy
Health
Health policies for the self-employed and for small teams, with group terms.
View policyWhat people tend to believe, and what really happens
Five ideas we hear often, which prove costly on the day there's a claim.
"Going it alone is cheaper."
A broker costs you nothing: the insurer pays them. And we compare several companies at once, which you would otherwise have to approach one by one.
"All policies are the same."
Two policies at the same price can have very different limits, excesses and exclusions. What matters is what the terms say on the day of the claim.
"The broker works for the insurer."
A broker represents the insured party and their interests. The person who represents the company is its agent, a different role altogether.
"If I have a claim, I'll sort it out myself."
How the report is opened and documented shapes everything that follows. We handle it, and the claim itself too.
"Switching insurer is a hassle."
We handle it for you, including cancelling the previous policy in time so it doesn't renew on its own.
"The compulsory minimum is enough for me."
The legal minimum covers what you cause to others, not what happens to you. That's the difference between a scare and a real problem.
Shall we prepare you a credit and surety insurance quote?
Tell us about your situation and we'll send you a comparison of the best options on the market, the best support for making the right decision.
- No obligationWe give you the price and the cover; you decide.
- No costAs brokers, we're paid by the insurer, not you.
- Fast responseDuring office hours, usually the same day.
What questions do you have?
We'll reply with a credit and surety insurance quote and a tailored comparison.
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Would you rather talk to us? Call us on 922 235 203 or message us on WhatsApp at 667 420 381.