Business Credit Insurance

The UK has 6 million businesses, and every one of them unique. But one thing every business has in common is exposure to a bad debt. And with company insolvencies at their highest rate since the financial crash, more and more businesses are at risk from a client that can’t pay.

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We get to know you and your business

We’ve developed excellent relationships with over 280 insurers as well as exclusive niche insurers and can  provide bespoke Business Credit Insurance to give you essential protection against the risk of bad debt due to the insolvency or default of your customers. Although this insurance is most commonly used by our export trade clients, we already help a significant number of businesses trading exclusively within the UK.

Business Credit cover can also be an important tool in credit management, providing replacement working capital when bad debts and late payment impact on cash flow. In addition, credit insurers provide complementary services such as credit assessment and collections management.

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Exceptional claims management when you need it most

Should the unexpected happen, and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need, get your claim settled quickly and smoothly and recover your losses. So you can keep your business running with the minimum of disruption.

For bespoke advice, award-winning underwriting and exceptional claims management, it has to be Higos.

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For independent advice or a personal quote

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Our Business Credit cover includes:

As well as being able to insure your general commercial risks (such as buildings, contents and liability), we can cover risks specific to your business, such as:

  • Businesses trading in the UK
  • Businesses exporting overseas
  • Credit management
  • Replacement of working capital due to bad debts and late payment
  • Complementary services such as credit assessment and collections management.

For independent advice or a quotation for your business

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Free mid-term review

Even if your policy isn’t due for renewal now, we’d be happy to offer you a free, no obligation assessment of your current levels of cover.

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