Avoid unpaid invoices: Trade Credit Insurance

Reduce the risk of unpaid debts with trade credit insurance

Credit insurance solutions tailored to your business needs

No matter your size or market, every company operating domestically or exporting has to protect its B2B transactions against the risk of unpaid debts. Find out more about our flexible credit insurance solutions tailored to suit your specific needs.

How does credit insurance work?

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1. Keeping you informed

We never stop analysing the environment of your customers (country, sector, etc.) together with their financial information (accounts and financial ratios) so we can direct you towards solvent companies and freeze out bad debtors.

This cuts down your unpaid debts and means your company works with the right partners.

How does credit insurance work?


2. Collecting your unpaid invoices

Our experts in Baltics and abroad take on the responsibility of collecting your unpaid invoices for you. This then keeps your relationship with your business partners intact.

3. Protecting your company

Coface indemnifies your guaranteed receivables irrespective of how the recovery process turns out.

What is credit insurance?

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Credit insurance allows companies to grant payment periods to their customers in Baltics and internationally with confidence.

Trade credit insurance protects your invoices against excessive late payment or – in the worst-case scenario – default by your customers.

Coface covers the credit risk and compensates your loss by indemnifying you. A range of options are available so you can adjust your coverage to meet specific risks (such as political or manufacturing risks, litigation, etc.).

What is credit insurance?


We monitor your customers’ financial health, helping you make the right business decisions. And our business credit insurance means you have easier access to financing.

In short, when you insure your sales in Lithuania, Latvia, Estonia and/or for export, you protect your cash flow and preserve your margins. You also optimise the management of your accounts receivable and safeguard your growth.

Need more information? Let's discuss your needs.

Contact us

Why choose trade credit insurance?

Trade credit insurance provides 4 essential services so you can avoid the risk of customer non-payment:

  • Safeguard your cash flow

    1 in 4 companies go out of business due to non-payment by its customers. Securing your business against unpaid invoices means shielding your cash flow and growing your turnover without any worries. Business credit insurance is the only tool that protects the economy against bankruptcy chains and the job losses that go with them.

  • Make financing easier

    Credit insurance guarantees you have optimised cash flow so you can meet one-off needs. It’s a sign of confidence that reassures your financial partners, helping you obtain future financing.

  • Help your company grow

    Trade credit insurance helps you assess your risks and identify the customers and partners you can work with.

  • Optimise the management of your receivables

    Trade credit insurance is a tool for managing your accounts receivables: you can identify reliable customers and set realistic credit limits. In addition, you can improve your collection rate when you put your trade receivables in the hands of a reputable third party.

Innovative solutions for better risk management

Credit management platform

Our secure online platform means it’s easy to manage your policy from A to Z. With CofaNet Essentials, you: access information about your business partners, manage your client portfolio and your guarantee requests, report your unpaid debts, keep track of your claims.


CofaNet also performs debtor risk evaluations and offers export features with the potential for more in-depth research.


And with the CofaMove mobile app, you can access CofaNet Essentials wherever you are and whenever you want.

Coface API portal

Discover a game-changing asset for more efficient credit management.

Coface API portal opens doors to seamless integration of Coface's powerful API solutions into your existing applications. 

Elevate risk management, enhance credit decisions, and fortify financial strategies effortlessly. 

Maximize efficiency, minimize risk: Coface API Portal is your strategic ally for a robust, data-driven approach to credit management. 

 Revolutionize your processes today for a more secure and prosperous financial future.


> Visit Coface API Portal

How much does credit insurance cost?

For all trade credit insurance solutions, the cost equates to a premium rate that varies on average between 0.1 and 1% of turnover. This figure is based on the volume of insurable business, the profile of your company – in particular its area of activity and history of claims – and your requirements (the type of coverage, specific options, etc.).

5 false facts about Trade Credit Insurance

"Trade credit insurance is too expensive and doesn't cover my needs" ; "Managing credit risk is an obstacle to my business development", or "I have financial resources to cover any unpaid invoices!" Have you ever had one of these thoughts? Re-examining stereotypes about TCI might be useful, particularly in an environment where claims experience is accelerating and the risk of bad debts is growing.

Grow your business with a risk management expert


200countries covered

685billion € exposure

AM Best logoAStable outlook

Moody's logoA1Stable outlook

AA-Stable outlook

What does failure really cost you?


The extra turnover needed to make up for loss

The simulation above shows the additional turnover that your company must achieve to compensate for the loss due to a non-payment.

Get a free analysis of your client portfolio



We started cooperating with Coface in 2011. We are constantly exploring and expanding to new markets and from this perspective, we see Coface as a partner that will help us avoid making serious mistakes. Coface’s help in our expansion to the Near and Far East is particularly important. These markets are new for us, and they have their own business traditions and certain special features; we are, therefore, glad that Coface is helping us to develop our business successfully by providing direct services as well as creating added value through advice. This includes indicating what course of action might be more beneficial in the mentioned markets, and helping us to understand where the threats and opportunities lie. AB Rokiškio Sūris group is one of the largest groups of Lithuanian dairy processing companies.

Mantinga Grupė

We have been using Coface Insurance for several years now, and we are very satisfied. Coface helps us to monitor and manage the various risks that are associated with our clients' portfolios in the countries in which we work. In particular, Coface's employees have been very active in helping us to implement important and effective risk management measures. The partnership with Coface has helped us to avoid risks that we would otherwise have faced in our day-to-day operations.

UAB TD Baltic

TD Baltic is one of the largest distributors of IT products and household appliances in the Baltic region. The company also provides logistics management and other value-added services to its customers in the Baltic States. Building a sustainable business and ensuring business continuity is important to TD Baltic. Protecting deferred payments is a prerequisite for certainty. TD Baltic has trusted Coface for more than 10 years and actively uses its services. Understanding and taking a responsible approach to the risk of non-payment, actively seeking and screening new potential buyers, TD Baltic has built up a productive portfolio of buyers for the successful development of its business. TD Baltic considers Coface as a reliable long-term business partner.

Frequently asked questions