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Credit lines

AIG’s Credit Lines (Trade Credit, Trade Finance, and Political Risk) help Corporates (medium and large companies) from a wide variety of industry sectors and Financial Institutions navigate the complexities of local and global business practices by offering non-payment credit insurance solutions.

 

Why Choose AIG for Trade Credit Insurance?

With decades of experience, AIG provides tailored cover to address the risks specific to markets and lines of business. Non-cancellable limits, experienced underwriters, multinational capabilities and an extensive global reach are just a few reasons why AIG is a leader in credit line insurance.

The AIG Advantage

Where We Can Help

AIG Credit insurance is for a wide range of organisations from SMEs to multinationals across all industry sectors and geographies, and Financial Institutions to support them with limit and capital relief.

 

Multinational

Thanks to AIG’s Multinational Centre of Excellence’s global network and deep experience we understand our clients’ local and global needs.

Specialist Expertise

We offer substantial underwriting expertise and provide innovative solutions tailored to meet the needs of a wide range of clients, structuring policies for unique exposures and geographical positions.

Claims Excellence

Our worldwide network and specialist team with decades of experience provide the insights our clients need to help avoid and minimise losses. 

 

Solid Foundation

Decades of trade credit experience coupled with strong and dependable financial strength.

 

AIG's Solutions

Trade Credit helps provide the security a company needs to trade domestically and globally by insuring its accounts receivables. This policy could be suitable for all companies trading on credit terms.

Excess Of Loss

Excess of Loss cover for non-payment due to the insolvency or default of a buyer, or inability to transfer currency due to a political act. Non-Cancellable Buyer and Country limits available providing greater contract certainty.

Target market

Companies with a turnover in excess of 50 million euro selling on credit terms of up to 180 days.

Features & Benefits

  • Cancellable or Non-Cancellable credit limits can be considered depending on the policy structure.
  • Aligns the interests of both parties with an appropriate level of Aggregate First Loss.
  • Supports existing Credit Management procedures through the use of a discretionary limit, without the need to outsource all credit limit decisions.
  • Tailored solutions to address specific requirements
  • Lower policy administration
  • No separation of risk and commercial underwriting allowing direct access to the decision maker

Other products and servicing offering:

  • Ability to provide captive solutions also for Trade Credit 
  • Pre-Export Commodity Finance – Supplier Default Insurance

Helping companies use their trade receivables efficiently. This Credit insurance supports structured and supply chain finance transactions based on trade receivables for multinational companies with significant receivables assets seeking efficient access to working capital.

Features & Benefits

  • Contract Certainty
  • Superior documentation links Excess of Loss cover directly to funding source and provides contract certainty.
  • Raise funds
  • Trade Finance from AIG helps companies use their trade receivables efficiently to raise funds from the capital markets through a wide range of leading domestic and international banks.

This site only contains an overview of the most important coverages and exclusions. Only the general and specific conditions (“Insurance Policy”) provide an accurate, binding, description of the covers and exclusions. It is necessary to fully analyse the Insurance Policy, as well as all other relevant documents with contractual and pre-contractual information before any decision to buy, underwrite, adhere to, accept, sign or conclude an insurance agreement.

Important information

Here you will find information about how to request a quote with detail of premium calculation, the general and specific conditions, and/or other relevant documents with contractual or pre-contractual information, the duration of the insurance policy, the applicable law and jurisdiction, how to file a complaint or reach the ombudsman, etc.

TradEnable+

TradEnable + is our trade credit product which combines ‘ground-up’ cover with non-cancellable credit limits. It delivers credit limit certainty, minimises policy administration and speeds up the claims process, offering tremendous opportunities to brokers.

TradEnableSM

Our TradEnable®  portal is easy to use and minimises time spent on policy administration. It’s designed to help with compliance on policy terms and risk management, providing confidence to trade and grow portfolios.

TradEnableSM Xtra

AIG’s web-based credit management tool designed to set, manage and monitor customer credit limits and ease policy administration using live sales ledger data. 

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