Credit Insurance

In a context of increased risk, we accompany you with credit insurance solutions to secure your clients, protect your cash flow, and preserve your margins.

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A strategic lever against unpaid debts

Credit insurance is a customer risk management solution that protects companies against non-payment by their professional clients. In other words, it guarantees the payment of your commercial debts, even in the event of default or insolvency of your debtors.

This coverage is particularly useful for businesses operating in B to B, facing sometimes long payment deadlines, and wishing to protect themselves against financial losses related to payment defaults.

Credit insurance is often associated with a factoring contract that allows you to finance your accounts receivable.

In numbers

  • 12 000

    Nombre d'entreprises qui utilisent une assurance crédit, couvrant plus de 300 milliards d'euros de créances chaque année

  • 10 milliards d'euros

    Montant des primes du marché mondial de l'assurance-crédit en 2023

  • + 20 %

    Augmentation de la demande de ces garanties en France entre 2022 et 2023, en particulier chez les PME

What is credit insurance used for?

Credit insurance has several strategic functions for companies:

  • Protect oneself against unpaid bills

    The contract partially or fully covers losses in case of client default. No unpleasant surprises in case of non-payment.

  • Access commercial information about your clients

    Credit insurers have databases to evaluate the creditworthiness of prospects.

  • Facilitate access to financing

    Factors and banks can rely on your credit insurance contract to finance your working capital requirement.

Why choose Howden?

  • Benefit from personalized support. : chaque entreprise a des besoins spécifiques selon sa taille, son secteur et sa clientèle. Chaque assureur crédit possède ses propres spécificités. Ils ne seront pas tous adaptés à votre activité/ vos besoins. Nous vous faisons gagner du temps, et vous présenterons l’assureur crédit le plus adapté à votre besoin et votre métier.
  • Optimization of contractual conditions : nous négocions pour vous les meilleures conditions tarifaires et contractuelles. Nous anticipons vos besoins et vos évolutions pour vous proposer un contrat sur-mesure. 
  • Time-saving  : les contrats d’assurance crédit peuvent être complexes. Signer un contrat non adapté vous fera perdre du temps et d’argent. Nous vous permettons d’obtenir un contrat sécurisé et efficace.

Protégez vous avec Howden

Nos experts sont là pour vous accompagner avec des solutions sur mesure.

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Which sectors of activity are concerned?

L’assurance crédit concerne principalement les entreprises en B toB, notamment : 

  • Industry
  • BTP stands for British Transport Police.
  • Wholesale trade
  • Agro-food industry
  • Transport and logistics
  • Exporters (sectors with a high level of international exposure)

Contact

  • Photo of Alexis Souchet

    Alexis Souchet

    Charge d'affaires
    Photo of Alexis Souchet

    Alexis Souchet

    Linked In
    Charge d'affaires

    Former banker at Bpifrance, specializing in bank financing, Alexis joined OFRACAR's teams in 2023, and then in 2024 joined HOWDEN through the acquisition operation.

  • Photo of Hocine Ouldmoussa

    Hocine Ouldmoussa

    Commercial Engineer
    Photo of Hocine Ouldmoussa

    Hocine Ouldmoussa

    Linked In
    Commercial Engineer

    Hocine has been working in the credit insurance and factoring industry for over 30 years. He has worked in several specialized groups, including Facto France and Atradius. Then, he moved to the brokerage world. In 2010, he joined the OFRACAR team, and then the Howden team in 2024.

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