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Credit Insurance: Questions & Answers


BY Emilio Yanez [ January 23, 2009 at 23:17:45 ]

Q: What is credit insurance?
A: A credit insurance policy insures commercial accounts receivable against nonpayment. It’s a guarantee that you will be paid, subject to the terms and conditions of the policy, for the merchandise shipped or services rendered to your customer. By assuring payment, credit insurance can strengthen your company’s balance sheet and enhance your borrowing power, helping you grow your business.

Q: What does credit insurance cover?
A: It covers the unpaid credit balances from sales made to your customers.
A credit insurance policy will insure your accounts receivable from domestic U.S. customers as well as customers throughout the world.

Q: What does credit insurance cost?
A: The premium can range from less than 1/10th of 1 percent of covered sales to about 1/2 of 1 percent of covered sales.

Q: Can you give me an example of how credit insurance can help a company?
A: There are many advantages of credit insurance:
1.Reduce exposure on large accounts.
2.Pursue new customers and provide higher lines of credit to existing ones.
3.Use the policy as a guide for setting customer credit limits. Since the insurance directs the limits, and not your company, it helps maintain “friendly relationships."
4.Keep customers happy with increased credit lines
Bottom line: More growth, less risk.

Q: How can export credit insurance help me?
A: An export policy can help you in a variety of ways:
1.Grow your business profitably by offering open account terms to your customers in new markets without undue risk.
2.Access additional sources of credit information through our international network of credit insurance partners.
3.Eliminate the paperwork and handling of letters of credit and foreign credit reports.
4.Get help collecting past due accounts worldwide
5.Increase eligible collateral by protecting foreign accounts receivable. This allows your company to present a better profile to lenders

Q: Who needs credit insurance?
A: Any company that sells to other businesses on credit terms can benefit from a credit insurance policy. Current policyholders include manufacturers, wholesalers, distributors, and business service providers that sell their goods and services in the U.S. and/or throughout the world, including:

§ Manufacturers and wholesalers
§ Electronics wholesalers
§ Lumber mills
§ Newspapers
§ Personnel agencies
§ Plastic manufacturers
§ Food processors and distributors
§ Packaging manufacturers
§ Tire manufacturers
§ Advertising agencies
§ Steel mills
§ Sporting goods manufacturers
§ Pharmaceutical manufacturers

Emilio Yanez
Agent
Coface North America, Inc. Tel: (210) 737-0400
4414 Centerview Drive Fax: (210) 737-0405
Suite 250 E-mail: emilio_yanez@coface-usa.com
San Antonio, TX 78228 Web: www.coface-usa.com


Emilio Yanez, left, visit Alex Wang, right, president of Z & ZZ International, Inc, and discuss future cooperate for opening Credit Insurance market for importers and exporters between US and China.


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