Unpaid invoices – get protection with credit insurance

Credit insurance protects your business from the risks of non-payment of invoices.  This means your invoices are covered.  So if your customer can’t pay you, you’ll still get your money.

The best credit insurers get to know you and your business.  They work in partnership with you, supporting you with up-to-date intelligence on markets and sectors.  You can use this information to help explore new markets with confidence and offer competitive credit to customers.  It also gives you a layer of security that banks tend to like when approached for finance.

We’re one of the world’s leading providers of credit insurance - to learn more about Atradius visit atradius.co.nz

Without credit insurance a small company like ours could not afford to take the risks of selling to many markets that require payment terms, especially to unknown buyers and new markets.

Small business agriculture company

How credit insurance works

We know you’re busy growing your business, that’s why we’ve designed our credit insurance products to be as easy as possible. For a competitive premium, priced to be affordable for small business, you can ensure that you’re covered whenever you sell products or services on credit terms. So you can spend more time focusing on your business, and less time worrying about getting paid.

Policy Costs

How your premium is calculated

As a guide our small business product (Modula First) ranges in premium from $4,550 to $9,995.  As with all insurance, there are variables which impact price.  Some of these are shown in the chart.

Factors that affect your premium


The greater the amount that needs to be insured, the higher the premium cost will be.


Some sectors experience greater volatility.  Risk will be reflected in the premium, with sectors closely monitored for change.


The amount of time you allow your customer before they have to pay you is factored into the premium.


Whether through infrastructure, politics or conflict, some countries pose less trading risk than others.  Your premium allows for this.



Poistné - obrázok

Examples are for illustration only. Individual risk factors are identified, assessed and monitored for each policy.

Get in contact

If you have any questions or need advice regarding credit insurance for your business we can help. 

Talk to us.  Our expert advisors will help you get the necessary cover, appropriate for your needs.

Tel: +64 9 526 0012

Email: info.nz@atradius.com


Apply online now

You can apply for a Modula First Policy in a matter of minutes. Simply, fill in your details, and we will respond to you without delay.

Apply Now

Instead of blindly going into a relationship with a new customer, we can leverage the information Atradius has in its database to approve credit on potential new customers before the first order ever ships. This gives us a level of security that we wouldn’t otherwise have.

Small Business Wholesale Distribution company


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Credit Insurance

Trade with confidence and explore new markets, protected from risks.

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Free Reports

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Debt Collections

Expert debt collection is included as a part of your credit insurance policy