If you sell on credit terms, your receivables are one of your biggest assets. We compare 10+ insurers to protect them against customer insolvency and non-payment, at home and overseas.
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Customer insolvency and protracted default, domestic and export sales, whole turnover or key accounts
When a major customer collapses or simply stops paying, the hit lands straight on your cash flow. We compare trade credit options across 10+ insurers and help structure a policy around how you sell and who you sell to.
Three steps, and we do the legwork.
We go to 10+ insurers and come back with trade credit options that fit your customer base. Same-day quotes available.
Pick the option that suits and we handle the paperwork.
Named #1 Top Brokerage 2025, trusted by 30,000+ clients, and with you long after the policy is sold.
We help wholesalers, manufacturers, distributors and service businesses that sell on credit terms find the right structure for their receivables.
Named #1 Top Brokerage 2025 and rated 4.9/5 on Trustpilot and 4.7/5 on Google from over 12,000 reviews.
We manage your renewals and help keep your policy in step as your turnover, customers and markets change.
Notify a claim 24/7. If a customer becomes insolvent or stops paying, our team works with the insurer for you.
“The claims experience was made so easy.” – Scott B., Google review
Real reviews from businesses we've insured across Australia.
“Ben has been absolutely outstanding to work with. He saved Goulburn Transport a substantial amount of money, and we couldn’t be happier with the result. His professionalism, knowledge, and can-do attitude were first class from start to finish. Ben went above and beyond, made the whole process simple, and delivered real value for our business.”
“I had an excellent experience with Shielded Insurance Brokers, and especially with Dan who looked after my claim. The entire process was handled with professionalism, patience, and clear communication from start to finish… His support genuinely made a stressful situation much easier to manage, and thanks to his help my business was able to keep running without interruption.”
“We as a business have entrusted Shielded insurance brokers for many years & will continue to do so. Their knowledge & expertise is exceptional & they go the extra mile no matter what. Great team, great service & always chasing the best deal!”
“We have been insured with Shielded for the last year and unfortunately had a break and enter and lost very valuable equipment. Alex Shipman and all the team at Shielded were excellent to deal with and managed my claim and had everything finalised fast. I’ve never had to make a claim like this and only ever heard bad stories so I assumed this was going to drag out for 6-9 months but I’d say we barely made it over 6 weeks. Very happy.”
“I had quotes from previous brokers and the pricing was outrageous. Kharn was my contact at Shielded. He was a legend. Did the work. Got multiple quotes fast, he was on the phone ringing me about any additional questions the insurance companies required from our company so he could get the quotes completed promptly. Highly recommend.”
“The service was professional, responsive, and efficient throughout my recent insurance claim. They took much of the stress and hard work off my shoulders, guided me through the process, and helped achieve a quick resolution. Communication was excellent, and I always felt supported and informed.”
“Have had a long and stressful challenge dealing with my insurer however it turns out that my insurance broker actually provides the help! Worth going through a broker that really knows their stuff.”
“Tim Cantwell from the very first conversation has been a pleasure to deal with! Knows his stuff, responds instantly and is always available. First class customer service!!! A++ Thanks Tim!!!!”
Choose the structure that suits your business. Mix and match on one quote.
Can cover unpaid invoices when a customer becomes insolvent or fails to pay within an agreed period after the due date.
Quote trade creditTypically covers sales to all or most of your credit customers, spreading cover across your whole debtor book.
Quote whole turnoverFocuses cover on selected major customers where a single non-payment would hurt most, depending on the insurer.
Quote key accountsProtects credit sales to overseas customers, and some policies can include certain political risks.
Quote export coverReviewed by Joshua Scutts, Shielded Insurance Brokers · Updated October 2026 · General information only
We know trade credit insurance and the cash flow risks of selling on credit terms.
Trade credit insurance protects a business that sells on credit terms against the risk that a customer doesn't pay. It typically covers unpaid invoices when a customer becomes insolvent, and when a customer fails to pay within an agreed period after the due date (often called protracted default). It's sometimes called debtor or receivables insurance.
It's commonly used by wholesalers, manufacturers, distributors, exporters and service businesses that invoice other businesses on credit terms. It's especially worth considering if a small number of customers make up a large share of your sales, or if you're expanding into new customers or overseas markets.
A whole turnover policy typically covers sales to all or most of your credit customers. A key accounts (or selected buyer) policy focuses on specific major customers. Whole turnover spreads the protection across your debtor book, while key accounts cover targets the customers whose non-payment would hurt most. Availability and terms vary between insurers.
Yes, policies can cover domestic sales, export sales or both. Export cover can protect against overseas customers not paying, and some policies can also include certain political risks, such as events that stop payment being transferred out of the buyer's country. Cover depends on the insurer and the countries you sell to.
Insurers usually set a credit limit for each customer, which is the maximum amount they'll cover for that customer. You'll generally need to trade within those limits and follow the policy conditions, such as reporting overdue accounts within set timeframes. Insurers can also review limits as a customer's financial position changes, which can act as an early warning.
Not usually. Trade credit policies typically pay a set percentage of the insured loss rather than the full amount, and an excess may also apply. The exact percentage and terms depend on the policy, so we'll explain how each option works.
Common exclusions include debts that are genuinely in dispute (for example, over the quality of goods), sales above the customer's approved credit limit, customers you already knew were in financial difficulty, and failure to meet policy conditions such as reporting overdue accounts on time. Check the policy wording for the full list.
Premiums are often based on your insured turnover and depend on your industry, the credit quality and spread of your customers, your payment terms, the countries you sell to, your bad debt history and the policy structure you choose.
If a customer becomes insolvent or an account goes overdue, contact us at Shielded Insurance on 1800 97 98 99 as soon as possible. Claims can be notified 24/7. Acting early matters, as policies usually set timeframes for reporting overdue accounts.
