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Why choose AIG for Trade Credit Insurance?

With more than 35 years of experience in trade credit, AIG offers unparalleled local underwriting and policy servicing capabilities. We leverage decades of experience to provide innovative credit management tools and insights for middle-market businesses, large corporations, multinationals, and financial institutions. Our non-cancelable limits coverage, credit management tools, and debt collection services help these clients serve customers in more than 70+ countries.

The AIG Advantage

At AIG, we are committed to anticipating and meeting client needs by investing in evolving technology. The recent launch of TradEnableSM provides a full-cycle policy support portal for credit insurance.

  • Writes tailored, non-cancelable limits coverage for a client’s entire accounts receivable portfolio, selected buyers or a single buyer 

  • Leverages decades of experience to provide innovative credit management tools and insights for mid-market to multinational clients

  • Enables coverage flexibility to facilitate more attractive financing to increase working capital from clients’ same pool of receivables

  • Delivers trade credit solutions around the globe in support of master controlled programs as well as locally compliant policies

  • Supports clients with one of the largest global networks in the industry, spanning approximately 70 countries and jurisdictions

  • Integrates seamlessly with complementary AIG domestic and multinational credit insurance solutions

  • Draws on decades of experience in providing sustainable solutions and market-leading claims expertise to help support strong, long-term relationships with brokers and clients

  • Underlines AIG’s commitment to anticipating and meeting client needs through investment in innovative and evolving technology

  • Responds to marketplace needs, including the recent launch of TradEnable, a full-cycle policy support portal for credit insurance

Advantages in Action


The incumbent carrier for a middle market electronics firm began to reduce limits and cancel certain portions of the company’s trade credit program.


After working with the client and broker to understand their credit concerns, AIG Trade Credit delivered a customized program with a competitive structure to meet the client’s specific needs.

AIG Benefit

The client moved forward operating their business with a strong non-cancelable trade credit program in place and certainty of coverage for the policy period.


A U.S.-based pharmaceutical company’s overseas subsidiary was contacted by a government seeking millions of infectious disease test kits but was concerned about getting paid for the kits.


AIG quickly brought together global resources to understand the risk and provided capacity to support the pharma company’s credit extensions to third parties contracted for distributing the kits.

AIG Benefit

The pharma company received the credit protection it needed to enable the efficient distribution of its test kits at a critical time.


A long-time food industry client was approaching renewal at a time when their business model had become high risk through government restrictions.


Using our experience and market knowledge, AIG helped identify credit concerns in the company’s portfolio and advised the client to insure their higher risk customers at reduced indemnity, while increasing credit limits for their lower risk customers.

AIG Benefit

The client received prudent account advice to modify its program, while continuing to manage important customer relationships.

AIG Trade Credit Solutions

We are a 40+ year provider of customized non-cancelable limits coverage and credit management tools for mid-market businesses, large corporations, multinationals, and financial institutions. With our products, domestic and foreign accounts receivable can be insured under a simple, comprehensive policy. Our structures typically include risk sharing in the form of co-insurance and/or deductible. We also offer non-payment coverage for short-term trade-related receivables.

Protect one of your largest, most-vital assets with A/R Insurance. This policy is designed to be cost-effective while ensuring steady cash flow and mitigating risks of non-payment by key customers.

Trade Credit Insurance protects sellers of goods and services on credit against the risk of customer non-payment due to customer insolvency, protracted default, political events, or acts of war that prevent contract performance.

Designed for business between $10 million and $100 million in annual sales, A/R Secure provides non-cancelable credit limits and simplified claims. It also connects easily to your existing accounting package.

Accounts/Single-Buyer Policies enable sellers to protect against exposure of non-payment by a single key customer. Policies are available for both short and medium terms.

Comprehensive Domestic and Export Credit Insurance provides global sellers flexible safeguards against negative impacts on account receivables, including customer default and political events.

Accounts Receivable Coverage for Key Customers protects against exposures associated with specified domestic or global customers: either the company as a whole or a subsidiary/division. Coverage is provided under our DECI policy form.

Domestic, Foreign, Global Accounts Receivable Insurance covers any loss from buyer non-payment due to buyer insolvency, protracted default, or failure of the exchange authority in the buyer’s country to transfer foreign currency.

Trade Credit for Multinationals provides global sellers with a controlled master program that combines the advantages of local and global credit insurance. Companies can maintain consistent protection and control in every market in which they operate.

Credit Insurance for Banks and Financial Institutions provides protection against risks associated with credit exposure and bad debts across the globe.

Medium Term Trade Credit protects manufacturers and lenders against losses due to customer non-payment for capital goods, machinery, and related equipment sold on credit terms of up to five years.


TradEnableSM is a user-friendly, full-cycle policy support portal designed for use with Credit Insurance. Its functionality helps minimize time spent on policy administration and provides customers with the tools they need to better manage risk.

Brokers: Meet Your AIG Team

View contact information for AIG’s national product and distribution teams.

What is Trade Credit Insurance?

Trade credit Insurance (TCI) is sometimes referred to as “accounts receivable insurance,” “debtor insurance,” or “export credit insurance.” It helps businesses protect their capital, stabilize cash flow and sometimes assist in securing better financing terms from banks by establishing confidence in their customers’ ability to repay their accounts.

TCI protects a business against its commercial customers’ inability to pay for products or services—sometimes due to bankruptcy, insolvency, or political upheaval in countries where the trade partner operates. 

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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