We protect your company's credit sales against customer non-payment and insolvency. At Grupo Trebia, trade credit insurance is handled by Creditizia, our specialist broker, with a team dedicated exclusively to this class.
It protects the most exposed item on your balance sheet, your receivables, when a customer fails to pay because of insolvency or protracted default. As well as paying the loss, it helps prevent the risk before it happens and manages debt recovery.
Credit assessment and rating of each buyer, with credit limits that are reviewed continuously.
Cover for a high percentage of the unpaid invoice, within the policy limits and conditions.
Professional collection of unpaid debts, in Spain and abroad, without straining the business relationship.
Insured receivables strengthen your position with banks and make discounting and working capital easier.
Not every company needs the same thing. We analyse how you sell, to whom and on what terms, and find the type of cover on the market that fits best.
Insures sales to all your customers, domestic and export. The insurer sets a credit limit for each buyer and monitors it throughout the policy period.
Simplified policies, with a premium known in advance and online management, for companies that want protection without the administrative burden.
Cover for sales to a specific customer, when your reliance on that buyer justifies protecting it individually.
Capital goods, made-to-order manufacturing and deferred payment: cover for non-payment and, where applicable, contract termination during manufacture.
When the main insurer does not grant the full limit you need on a customer, additional cover is available to make up the difference.
Protection for overseas sales, including non-payment caused by events in the buyer's country where the policy provides for it.
Guarantees for third parties, such as performance, bid, advance payment or good execution bonds, that back your contractual obligations without using up your bank lines.
A simple process, with a specialist contact from the first call until a claim is paid.
You give us your sales, customer, payment terms and bad-debt history in our online application.
We ask insurers to rate your main buyers and quote their terms.
We present the options side by side, covering limits, cover, terms and cost, and recommend the best fit.
We monitor your credit limits, remind you of deadlines and support you through non-payment, recovery and indemnity.
Two policies at a similar price can respond very differently to the same non-payment. That is why we always compare these points:
Each policy sets its own deadlines, and reporting late can mean losing the indemnity. In the wordings we analyse they range from 30 to 90 days.
Some insurers exclude it and others offer it as an option or price it by country. It is decisive if you export to higher-risk markets or sell to public bodies.
Under many policies the insurer can reduce or cancel a customer's limit at any time; other types offer non-cancellable cover.
Extensions, further deliveries to a customer in arrears or payment plans: we tell you what you can do without putting your cover at risk.
We compare proposals from the leading trade credit and surety insurers operating in Spain and choose the one that best protects your sales.
CESCEInsurance
SolunionInsurance
CofaceInsurance
Crédito y CauciónInsuranceCreditizia was founded by professionals with long careers in trade credit insurance who held senior positions at leading insurers in the sector. Today it is run by a second generation, equally specialised in credit risk.
Complete the online application with details of your business and a specialist will study your case and present a proposal. The application form is in Spanish.
Tell us about your business and your volume of credit sales and we will suggest, with no obligation, the best way to protect them.
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