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The first  trade credit insurance product to combine non-cancellable limits with ground up cover


Ground up cover is an ideal solution for those companies not willing or able, to take a significant share of their receivables risk or a large deductible on their trade credit insurance.

Non Cancellable

Non-cancellable credit limits are available from other Trade Credit insurers, but these are usually Excess of Loss products with a high degree of risk sharing.

Limts grow with buyers

AIG Trade+ credit limits are non-cancellable during the policy. If a buyer’s account grows, then as long as they pay on time their credit limit will grow too.

AIG Trade+ means less work for policyholders. They don’t have to do any of their buyer analysis themselves to set discretionary limits, so when there’s a claim they don’t have to justify any of their buyers’ credit limits because we’ve already done it for them.

Rapid customer limits

With AIG Trade+, credit limits are calculated for each buyer using either real time payment data from the policyholder’s accounting software or by an AIG underwriter. This means AIGTrade+ can deliver rapid and consistent credit limits that match policyholders’ requirements.

Easy for the client

Other benefits to the clients are that there is no requirement to set discretionary credit limits, undertake any additional buyer analysis or spend money on status agency information that would be necessary to set these limits.


By setting approved buyer credit limits and by delivering automatic overdue reports, AIG Trade+ provides more certainty for clients when there’s a claim

Pre-approved limits

Should there be a claim, AIG Trade+ policyholders do not have to worry about whether their credit limit will be valid under the policy because the limits have already been approved by AIG.

Fast and simple

This simplifies and accelerates the claims process. If there is a claim, AIGTrade+ has the data to populate the claim form with the necessary buyer information, speeding up the claims process and protecting the policyholder’s cash flow.

Auto reporting

With its automatic reporting capabilities, AIG Trade+ also removes any possibility of claims being denied because of failure to report overdue accounts.

There are two ways to share data with AIG’s Trade+ platform. Policyholders can use our automated extractor technology or simply manually upload their own data.

Seamless installation

AIG’s extractor software is compatible with over 230 types of accounting software. Installation takes as little as half an hour via a phone line and policyholders are fully up and running within 5 working days. There are no additional upfront payments as all software, installation and maintenance costs are included in the insurance premium.


Manual option

For clients wanting to provide their own files, we will supply a simple template containing the data that is needed and usually the platform is ready to view the next day. The process for uploading data is as simple as attaching a file to an email.


Unlike other trade credit insurers we don’t require policyholders to complete a monthly return of overdue accounts. AIG Trade+ does this automatically, on an ongoing basis, saving policyholders time and providing them with the latest up-to-date buyer information.

Real time profiling

AIG Trade+ provides policyholders with real time debtor profiling – saving time, increasing productivity, strengthening their credit management and helping ensure policy compliance


AIG Trade+ includes automatic stop shipment alerts and pre-populated claims forms; all of which are designed to reduce the time policyholders spend managing their policy.