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Trade Credit

AIG’s Credit Lines (Trade Credit and Trade Finance) help medium and large companies from a wide variety of industry sectors, and Financial Institutions, navigate the complexities of local and global business practices by offering non-payment credit insurance solutions.

Why Choose AIG for Credit Insurance

With decades of experience, AIG provides tailored cover to address the risks specific to markets and lines of business. Non-cancellable limits, experienced underwriters, multinational capabilities, and an extensive global reach are just a few reasons why AIG is a leader in credit line insurance.

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The AIG Advantage

Where We Can Help

AIG Credit insurance is for a wide range of organisations from SMEs to multinationals across all industry sectors and geographies, and Financial Institutions to support them with limit and capital relief.

Overview & Appetite Guide: EMEA Trade Credit [PDF]

Multinational

Thanks to AIG’s Multinational Centre of Excellence’s global network and deep experience we understand our clients’ local and global needs.

Specialist Expertise

We offer substantial underwriting expertise and provide innovative solutions tailored to meet the needs of a wide range of clients, structuring policies for unique exposures and geographical positions.

Claims Excellence

Our worldwide network and specialist team with decades of experience provide the insights our clients need to help avoid and minimise losses. 

Solid Foundation

Decades of trade credit experience coupled with strong and dependable financial strength.**

**Please refer to www.aig.com/investor-relations

Trade Finance Insurance

AIG Trade Finance insurance helps empower trade around the world, creating flexible insurance solutions for financial institutions.

We protect financial institutions against the risk of non-payment or insolvency of the obligor(s) in Trade Finance transactions. The AIG team of experienced underwriters, structurers and lawyers are committed to providing unparalleled trade finance insurance options. Our global reach coupled with our deep knowledge of the industry, environment and operations help us mitigate credit risk for clients and efficiently manage capital through customised single risk or portfolio insurance solutions.

AIG’s Open Account and Documentary Trade Finance insurance can protect Financial Institutions against the risk of non-payment by obligors under trade financing programmes.

AIG’s Structured Trade Finance comprehensive credit insurance provides Corporates with an effective credit enhancement tool for their funding programmes with Financial Institutions, and/or facilitates capital management and limit relief solutions for Trade Finance Banks.

Trade Credit Insurance

Our team underwrites a range of trade credit insurance products to help protect mid-market businesses, large corporations, and global businesses against their non-paying clients. AIG policies insure all or part of a companies’ receivables book, enabling businesses to provide credit with confidence.

While most companies protect their tangible assets (buildings, machinery, and stock, for example), they often overlook the devastating impact payment failure by one or more key customers can have on their business. AIG Trade Credit insurance helps clients take control of their valuable accounts receivables book. Our credit limits and dedicated trade credit underwriters flexibly works to design, structure and service a program that meets client’s needs through the economic cycles.

With decades of experience as a leading Excess of Loss (XOL) Credit insurer, our Trade Credit product offering comprises Excess of Loss solutions for medium and large-sized companies from all industry sectors. Our global Trade Credit team has a local presence in regional hubs in Asia, the Americas, EMEA and the UK, servicing clients across a wide range of industries.

 

To support our Trade Credit clients with their global insurance needs, AIG adopts a collaborative approach that integrates experts from Multinational, Underwriting, Risk Consulting, Claims, Legal, Operations, Distribution and Finance, resulting in more efficient processing, simplicity, and accountability across the AIG network. This enables us to consistently deliver contract certainty, fast-track claims handling, settlement, money movement and more to our Trade Credit clients.

Efficient captive management can be the first step towards structured financing secured upon trade receivables. Our captive programmes solution recognises the need for a policy holder to retain risk for their own account. We offer companies with turnovers over €50m, operational and structural support for self-insured credit risk through our Excess of Loss coverage. 

 

With TradeEnableSM Xtra captive managers can manage and monitor customer credit limits and ease policy administration using live sales ledger data, making self-insured bad debt reserves easier to manage. 

TradEnable Xtra

Protection of capital goods with project durations of up to 5 years, including manufacturing. Coordination of the protection with financing partners and adaptation to the contents of the contract is common. Protection for established manufacturers of machines, systems, and components.

AIG’s Corporate Trade solution offers tailored cover for non-payment due to the insolvency or default of both domestic and export buyers. We provide cancellable or non-cancellable credit limits and cover for companies who have turnovers over €10m selling on short credit terms.  An appropriate level of Risk Share is applied and aligned with the interests of both parties. In addition to this, Debt Collection Services may be selected, which helps shorten the waiting period on protracted default claims.

 

TradEnableSM Xtra is also available, helping our clients monitor customer credit limits and their receivables portfolio. This provides risk insights and making self-insured bad debt reserves easier to manage. 

Trade+

Trade+ is our trade credit product which combines ‘ground-up’ cover with non-cancellable credit limits. It delivers credit limit certainty, minimizes policy administration and speeds up the claims process, offering tremendous opportunities to brokers.

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TradEnableSM

Our TradEnableSM portal is easy to use and minimises time spent on policy administration. It’s designed to help with compliance on policy terms and risk management, providing confidence to trade and grow portfolios.

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TradEnableSM Xtra

AIG’s web-based credit management tool designed to set, manage and monitor customer credit limits and ease policy administration using live sales ledger data. 

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Our Cyber Team

Contact your local AIG team to learn more about our Trade Credit and Trade Finance offering.

Products or services may not be available in all countries and jurisdictions, and coverage is subject to underwriting requirements and actual policy language. The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage.

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