Provided by Trade Credit

Whole Turnover Credit

Cashflow is vital in any business and protecting it is a top priority.

Whether you are a local trader or a multi-national corporation, reducing your credit risk and protecting your cashflow is a critical consideration. 
TMHCC’s credit insurance will protect you and your business from serious payment delays or the insolvency of any of your customers. If you are involved in exporting, we’ll cover your foreign buyers and the potentially damaging effects of non-payment caused by political risks.  

 Best for

  • Contractors and Sub-Contractors
  • Distributors
  • Manufacturers
  • Service Providers
  • Trading Companies
  • Wholesalers

Summary of coverage 

Our cover is available across a broad range of industries to all types of businesses, whether you’re a smaller local trader or a large public company. Our policies provide comprehensive cover and we have the flexibility to tailor our products to meet your particular needs, enabling you to trade with confidence and focus on growing your business.


  • Fully automated online system for instant credit limit decisions
  • Over 99% of all UK credit limit requests dealt with in less than 24 hours
  • Direct access to our specialist risk underwriters
  • Allocated commercial underwriter for each customer
  • Ability to provide bespoke policy wording to support individual business practices and processes
  • Market-leading fast and fair claims service – no need to obtain ‘proof of debt’, helping to significantly speed up our claims assessment process
  • Flexible approach, including claims thresholds and aggregate first loss solutions
  • Industry-specific policy wordings
  • Added value in enhancing your business’ credit control process
  • Discretionary credit limits allowed and opinion service provided
  • Access to commercial debt collection services via our partner, Nelsons
  • Part of a large global insurance group with a Very Strong rating by Standard & Poor's
  • Local personalised service and global reach

To access any Trade Credit documents for the UK & Europe, please click the button below to access the Trade Credit business unit page.

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Credit & Political Risk

Money and politics are two volatile exposures that can have a big impact on your bottom line. Count on our political and credit policies to shield your business from unpredictable circumstances.


Trade Credit Brochure

Our Trade Credit team offers deep expertise and a solid balance sheet, Tokio Marine HCC evaluates and manages risk like no-one else in the industry.


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Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

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