BTLA Broker / Finance and specialist risks
Trade credit insurance.
Examine the risk of non-payment.
Selling on deferred payment terms means financing customers. We help analyse receivables protection and requirements for limits, reporting and responding to late payments.
For businesses selling on credit terms.
01 / Needs analysis
What will we establish before comparing quotes?
Availability, premium, limits, excesses and exclusions depend on risk assessment and the specific contract terms. Sending an enquiry does not activate cover.
What do we check in these areas?
Customer portfolio
We ask about markets, payment terms, sales concentration and the largest exposures. This describes the risk beyond the annual turnover figure alone.
Limits and obligations
We check the rules for granting buyer limits and the actions required of your business. Exceeding a limit or failing to follow procedures may affect cover.
Event and settlement
We compare definitions of covered insolvency or payment delay, the excess and the debt recovery process. Not every invoice dispute will be covered.
02 / Preparing for the discussion
You do not need to have all the documents straight away.
Provide basic information in the questionnaire. If you are unsure about something, describe it briefly or choose a conversation. Once we understand your needs, we will establish what data is required for further analysis.
What should you prepare?
Annual sales on credit, customer mix, payment terms, overdue amounts and write-offs — no lists of personal data in the form.
We will agree documents and details individually. The form starts contact; do not use it to send sensitive data or third-party documents.
03 / An important distinction
Before you choose cover.
Can you insure an invoice that a customer is already failing to pay?+
A new policy is not an automatic solution for a known, overdue receivable. That matter should be kept separate from a programme covering future sales.
What determines the price?+
It depends on the subject matter and scale of the risk, the cover, limits, claims history and the terms offered by the insurer. First, we need information about your situation. We do not provide a misleading quote based on the product name alone.
SPECIFICS / BEFORE A DECISION
Before you request a quote.
What affects the cost?
- Turnover and customer mix
- Countries of sale and payment terms
- Credit limits and scope of cover
These are starting points for a conversation. A meaningful price comparison requires a defined scope and terms of cover.
What will help our first conversation?
- Sales structure and main customers
- Payment terms and overdue receivables
- Current receivables management practices
Don't have everything? Start with a brief description. We will establish what can be added later.
Will every unpaid invoice be covered?
You cannot assume this. The limits, event definitions, obligations and deadlines in the specific contract matter.
What happens after you report a claim?
We will contact you about your needs, clarify the information and agree the scope of further analysis. An enquiry alone does not put cover in place.
04 / Let's talk
Let’s get into the details.
Trade credit insurance — describe your company's needs or ask for a conversation. We will get back to you with details of the next steps.
Call us 32 307 70 37↗Send an email [email protected]↗Enquiry to BTLA Broker
Trade credit insurance: start with your needs. You can add the details when we talk.
Service hours: Mon–Fri, 8:00–17:00
What next? After you submit the enquiry, our team will contact you about it and establish what information is needed for a review.
A topic is enough to start. The BTLA team will agree with you what information and documents are needed.
Service hours: Mon–Fri, 8:00–17:00.
Conversations in Polish or English.
The data controller is BTLA BROKER LEADER sp. z o.o., al. Wojciecha Korfantego 138A lok. 114, 40-156 Katowice. We will use the data provided to handle your enquiry and contact you about it. Details of data processing and your rights are available in the privacy policy. Privacy policy (new tab).