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Mercantile Insurance Brokers Australia

Insuring the future.

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Trade Credit Insurance

Call us today.  Ph: 1300 310 467

Mercantile is a market leader in Trade Credit Insurance.

What is Trade Credit Insurance

Trade Credit Insurance provides protection to your aged debtors. There are two triggers to a claim being insolvency or protracted default. In very basic terms if a customer of yours owes you money and becomes insolvent the insurance will cover 90% of the loss minus the excess structure you choose at inception.

Unfortunately we are often contacted by new clients after they have just incurred a major insolvency loss. Either their trusted broker didn’t tell them trade credit insurance existed or the client thought their credit checks would be a safe way to handle credit risk. In many cases a Trade Credit insurance policy could have provided protection.

Stop being an unsecured creditor for amounts that could cripple or destroy your own business. For a very small rate of total turnover you can protect your aged debtors report from bad debts.

This is not a area of insurance for the unsure or inexperienced which is why its worth contact Mercantile Trade Credit division for further information on how Trade Credit Insurance can protect your business.

Industries

Whilst suitable to any industry which is doing sales on credit the following are some industries we regularly see getting benefit from Trade Credit Insurance.

Product Manufacture or Import/Export

Construction

Food & Drink Wholesale / Manufacture

Technology Contractors

Clothing Manufactures

Engineering

Logistics

Labour Hire

Construction Material Suppliers

Farming

Retailing Suppliers

Services to Mining

Electronics

Covers

Annual Total Turnover Coverage

Pre Credit Cover

Single Limits for larger buyer contracts

Auto Limits

Nominated Limits

Insolvency

Protracted Default

Excess Options including thresholds

Buyer Reviews

Insurers

Atradius

QBE

Euler Hermes

Coface

AIG

The Bond and Credit Co.

Claims Examples

  1. A plumbing wholesaling company provides $500,000 limit for construction material to a plumbing installation company who was contracting to a major builder. The major builder files insolvency leaving the plumber unable to pay for stock already installed. The wholesaler is now exposed to a $450,000 loss due the bad debt of the plumber.

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Our Brokerage Office

Mercantile Insurance Brokers
Ph: 1300 310 467
admin@mercantileib.com.au.

504 / 7 Maitland Place
Norwest NSW 2153

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Industries

  • Life Science / Biotech Insurance
  • Construction Insurance
  • Financial Institution & Investment Insurance
  • Healthcare Insurance
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  • Property Portfolio Insurance

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