Top-up coverage to meet your unique needs

Trade credit insurance is a protection against the risk of non-payment of debts.

An additional guarantee, sometimes called top-up trade credit insurance, allows you to exceed the guarantees given by your trade credit insurer by adding higher limits. This top-up credit insurance complements your traditional credit insurance lines. At Coface, our top-up cover is called TopLiner.

At times, trade credit insurance in its standard form may not be sufficient to secure a contract with new prospects or existing customers. If the needs of your business require more than the basic limit granted, it is necessary to review the need for cover against non-payment and provide top-up credit insurance to cover the total amount outstanding.

Taking out a top-up credit insurance policy like TopLiner by Coface is simple because it's done 100% online. Once you apply, Coface can propose a price adapted to the risk you wish to insure, taking into account in real time the amount and duration of coverage you wish to obtain.  The price is adjusted and delivered online. You can then assess the increase in risk.

Top-up trade credit insurance is also attractive because the cover is non-cancellable for a period of time that you determine, and for your customers worldwide.

When you buy a top-up credit insurance:

• You choose the additional amount to be covered 
• You set the duration of the guarantee 
• You can choose different parameters online according to your needs

Coface allows you to calculate the cost of your credit risk directly. You can then compare it with your net margin to check that your business operation will remain profitable.