Credit and Surety
Credit insurance guarantees payment in the event of a debtor's insolvency; surety guarantees you meet your obligations.
What does it involve?
Credit insurance guarantees payment of your invoices when a debtor becomes insolvent, so that 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 bonds for public authorities
- Contract performance guarantee
What an Insurance Broker Really Is
The broker is the expert who acts as an intermediary between the insurance company and the client, representing the insured party and their interests, not just the insurer.
We are the only professionals legally qualified to advise with strict independence and impartiality in relation to insurance companies.
- We compare the marketAdvice based on an objective analysis of contracts from a sufficient number of insurers.
- It costs you nothingThe broker is paid by the insurer in the form of commissions. In principle, the service is free for the client.
- We take care of everythingFrom taking out the policy through to any claim, should one arise.
- We defend your interestsBefore the company, just as a lawyer would.
Other business insurance
Industrial multi-risk
Premises, machinery and stock, plus loss of profits if a claim brings the business to a halt.
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Liability Insurance
General, employers', product and completed-operations liability, tailored to your sector and turnover.
View policy
Directors & Officers (D&O)
Protects the personal assets of company directors and officers against claims arising from their management decisions.
View policy
Cyber Security
Covers the costs and business impact of incidents arising from a cyber attack.
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Environmental Liability
Covers the duty to prevent, avoid and remedy environmental damage imposed by Law 26/2007.
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Vehicle fleet
All your business vehicles under a single policy, with unified terms and renewal.
View policyWhat people tend to believe, and what actually happens
Five things we hear often that prove costly the day there's a claim.
«Going it alone is cheaper.»
The broker costs you nothing: the insurer pays them. And we compare several companies at once that 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.»
The broker represents the insured party and their interests. It is the insurer's agent who represents the company — a different role altogether.
«If I have a claim, I'll sort it out myself.»
How the claim is opened and documented shapes everything that follows. We handle it for you, including any dispute.
«Switching insurer is a hassle.»
We take care of it, including cancelling the previous policy in time so it doesn't renew automatically.
«Compulsory cover is enough for me.»
The legal minimum covers damage you cause to others, not what happens to you. That's the difference between a scare and a real problem.
Shall we prepare a credit and surety quote for you?
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 are paid by the insurer, not by you.
- Fast responseDuring office hours, usually the same day.
What questions do you have?
We'll come back to you with a credit and surety quote and a tailored comparison.
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Prefer to talk? Call us on 922 235 203 or message us on WhatsApp at 667 420 381.