Trade Credit Insurance
Mitigata helps you compare trusted insurers and choose the right trade credit insurance cover for your receivables, buyer portfolio, payment cycle, and budget.
HDFC ERGO
Bajaj Allianz
ICICI Lombard
Iffco Tokio
SBI General
Kotak Zurich
Raheja QBE
TATA AIG
Liberty General
Cholamandalam
Shriram General
Reliance
Go Digit
What your trade credit policy may handle.
This section explains common covered and not-covered areas before unpaid receivables become a claim.
- Covered01 / 09
Buyer insolvency
Protects your business from non-payment when a buyer becomes insolvent and cannot clear outstanding receivables.
- Covered02 / 09
Protracted default
Covers unpaid receivables when a buyer fails to pay within the pre-defined period after the invoice due date.
- Covered03 / 09
Invoice portfolio cover
May cover the full buyer portfolio and pay an agreed percentage of eligible unpaid invoices.
- Covered04 / 09
Export political risks
Export cover may include non-payment caused by moratorium, transfer restrictions, inconvertibility, war, import/export restrictions, natural disasters, or licence cancellation.
- Not covered05 / 09
Buyer disputes
Payment withheld due to disputes with the buyer, including partial or full withholding, is not covered.
- Not covered06 / 09
Dispute and recovery costs
Costs incurred while resolving disputes between the insured and the buyer are excluded.
- Not covered07 / 09
Penalties, interest, and banking costs
Buyer penalties, post-due-date interest, and banking costs are excluded unless clearly covered by the policy.
- Not covered08 / 09
Controlled or private buyers
Buyers under your direct or indirect control and sales contracts with private individuals are not covered.
- Not covered09 / 09
Certain government debts
Amounts owed by a State, government department, institution, or organisation that cannot be declared insolvent are not covered.
Disclaimer: Explanations in "What's Included" are illustrative and subject to the Policy's terms, conditions, and exclusions. Refer to the Policy Document for details.
We compare more than premiums.
Most insurance journeys stop at quote comparison. Mitigata studies your buyer risk, invoice cycle, trade exposure, insurer options, and claim support needs before recommending Trade Credit Insurance.
Quote first. Questions later.
- 01·Price
Premium is compared before buyer risk is understood.
- 02·Wording
Exclusions show up only when payment fails.
- 03·Claims
Documents move slowly across brokers and insurers.
- 04·Support
After purchase, help becomes unclear and delayed.
Risk checked. Cover matched. Support stays.
- 01·Assess
We review receivables, buyers, terms, and exposure.
- 02·Match
Top insurers are compared for wording and price.
- 03·Claims
24/7 support helps claims move without chaos.
- 04·Honest
We explain limits clearly and never overpromise.
The nearby risks worth covering too.
Pair Trade Credit Insurance with policies that protect goods in transit, fraud exposure, and digital business risk.
Marine Insurance
Protects goods from covered loss or damage while they move within India, into India, or out of India.
Crime Insurance
Helps cover employee theft, forgery, wire-transfer fraud, cyber deception, and social engineering-linked financial loss.
Cyber Insurance for Businesses
Corporate cyber cover for data breaches, ransomware, business interruption, breach response, legal costs, and third-party liability.
Estimate your premium before the sales call does.
Pick your industry, team size, and preferred cover. Get a quick premium estimate without forms, follow-ups, or the classic "we'll get back to you."
This is an estimated quote. Final quote depends on full risk profile, coverage limit, prior claims, controls in place, and insurer underwriting.
Questions people ask before invoices go cold.
- Trade Credit Insurance protects businesses from covered non-payment by buyers due to insolvency, default, or covered political risks.
- Yes, it may cover unpaid receivables when a buyer becomes insolvent, subject to policy wording and limits.
- Protracted default means the buyer fails to pay within the policy's pre-defined period after the invoice due date.
- Export cover may include political risks such as transfer restrictions, war, import/export restrictions, natural disasters, or licence cancellation.
- No. Payment withheld due to disputes between the insured and buyer is generally not covered.
- Mitigata compares insurer options, explains policy wording, supports documentation, and helps during claim coordination.
Cover the credit you extend.
Book a 30-minute walkthrough and we'll review your buyer exposure, insurer options, policy wording, and claim support needs.