Credit insurance

Credit insurance utilizes the classical approach of risk management. AXA accompanies you from the first check of a new customer to compensation for non-payment.

Benefits and features of your choice:

• Coverage of your unpaid invoices with or without a guaranteed compensation date
• Focus on business activity in Switzerland or on exports
• Start of insurance from delivery or on manufacture (special production)
• Currency of policy and credit limits (choice of CHF, USD, EUR)
• Sector- and company-dependent payment and reminder periods
• Excess per case or fixed annually, level of deductible (10 – 25%)
• Qualifying period (minimum 6 months)
• Collection
• Inclusion of domestic or foreign subsidiaries

Your advantages:

• Credit check of new customers
• Credit monitoring and alerts for your customer base
• No collection / debt collection effort
• Representation of your interests by AXA until close of proceedings
• Coverage of outstanding invoices
• Cheaper business credit for planned investments
• Secured liquidity
• Can be calculated and financed: The premium is in the region of a single-digit thousandth of your sales.
  

Benefits and features

You are insured against unpaid invoices from your customers.

Reasons for inability to pay

• Bankruptcy proceedings begin
• Beginning and/or conclusion of composition proceedings
• Loss certificate as a result of ineffective seizure
• Non-payment by debtor even 60 days after end of payment term

Also valid for debtors in Germany, Austria and the Principality of Liechtenstein

Actual benefits

• 80% compensation of the insured receivable
• Guaranteed compensation date; three months after you file a claim

How you benefit

• Protection against financial losses
• More security through credit check
• Full debt collection by AXA
• Protection of liquidity and balance sheet