Whole Turnover Credit

Tokio Marine HCC’s credit insurance is a proven way to reduce your credit risk and protect your business’s cash flow from any serious payment delays and/or the insolvency of any of your customers. If you are involved in export business, it covers your foreign buyers and the potentially damaging effects of non-payment caused by political risks.  


  • 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’s 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 Very Strong rating by Standard & Poor's
  • Local personalised service and global reach

Best For

  • Contractors and sub-contractors
  • Distributors
  • Manufacturers
  • Service providers
  • Trading companies
  • Wholesalers

Summary of Coverage

Our cover is available across a very 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 flexibility to tailor our products to meet your particular needs, enabling you to trade with confidence and focus on growing your business.

Why 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. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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Tokio marine

Tokio Marine HCC is part of Tokio Marine, a $40 billion company

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