INSURANCE FOR
BUSINESS STRATEGIES FOR
What Trade Credit Insurance Protects
Most businesses rely on customers paying invoices on time—and often those payments are already allocated to payroll, production, or operations before they arrive. Trade Credit Insurance helps protect your:
✓ Cash flow
✓ Accounts receivable
✓ Profit margins
✓ Financial stability
✓ Growth and reinvestment plans
When buyers default, delay payment, file bankruptcy, or become insolvent, Trade Credit Insurance reimburses a significant portion of unpaid invoices so your business doesn’t absorb the loss.
Trade Credit Insurance typically covers:
Customer Insolvency or Bankruptcy
Protects you when a customer is unable to pay due to financial collapse.
Protracted Default & Nonpayment
Coverage for customers who fail to pay within an agreed timeframe—even without bankruptcy.
Political Risk (For International Sales)
Protection from nonpayment caused by government action, currency issues, or trade disruptions.
Invoice Reimbursement
Policies typically reimburse 75–95% of unpaid invoice amounts.
Credit Limit Evaluation
Insurers assess buyer creditworthiness to help you avoid high-risk accounts.
Note: GL can also be paired with Business Personal Property (BPP) inside a Business Owners Policy (BOP) for broader protection.
Why Trade Credit Insurance Isn’t Optional
Many companies cannot afford slow-paying or non-paying customers. One major unpaid invoice can disrupt:
Payroll
Inventory purchasing
Production cycles
Overhead costs
Profitability
Expansion plans
Trade Credit Insurance allows businesses to:
Sell more confidently on credit
Enter new markets
Approve higher credit limits safely
Secure financing more easily
Protect margins during economic downturns
Without coverage, bad debt becomes your loss.
With coverage, your cash flow stays predictable and secure.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.