BUSINESS CLIENTS · LIQUIDITY

Your customers do not pay. You carry the risk.

Bad debt is among the most common causes of corporate insolvency in Germany.

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Unpaid invoices put your liquidity at risk.

Anyone who supplies goods or services on invoice carries the risk that customers will not pay, whether through insolvency, refusal or simple delay. Unpaid invoices tie up capital and can threaten liquidity. Where a few large customers dominate, the concentration risk is considerable.

Receivables insured. Liquidity secured.

Trade credit insurance protects you against unpaid receivables, at home and abroad. We compare scope of cover, sub-limits and costs across insurers and find the arrangement that fits your customer base and risk profile.

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Why bad debt is dangerous.

€340bn

is the amount of supplier credit German companies extend each year.

60–80%

of the net receivable is paid by the insurer if it goes bad, insolvency included.

Credit checking

The insurer checks customers in advance and warns you early.

Already on late payment

Payment often comes on protracted default, not only on insolvency.

What trade credit insurance delivers.

Bad debt causes insolvency

Unpaid receivables are among the most common causes of corporate insolvency.

Credit checking as an early warning

The insurer monitors your customers' creditworthiness continuously and warns you before a default looms.

Payment on late payment

Compensation often follows protracted default, rather than waiting for an insolvency.

Keeping an eye on concentration

A few large customers mean a high risk of default, and the policy catches exactly that.

The W&P advisory team in the office

Independent. Experienced. On your side.

37+ years

in the market

100%

independent advice

DEWE

Certified partner of Deutscher Wertschutz e.V.

Why to arrange cover now.

Protect your liquidity

A single large bad debt can threaten your own ability to pay.

Check customers in advance

Credit checking works as an early warning system before anything is even shipped.

Improve your bank rating

Insured receivables do not weigh on working capital, which strengthens your financing position.

Let’s talk.

A free first consultation, in person, by phone or by video. You then decide how to proceed.

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