Insurance Policy for Exporters

Do you want to export your goods or services but be sure you will be paid? How can you obtain financing if your client asks you for credit? Continue reading to find out how our insurance can help you.

Boot in de haven

For Large and Small Transactions

The insurance policy for exporters is always for a particular transaction. You are therefore not required to insure your total turnover. The insurance policy is suitable for small capital goods and services transactions (from approximately € 200,000) as well as for very large ones (in principal there is no maximum amount). It is advisable to contact us as early as possible so that during negotiations you will know if and if so, how we will able to support your transaction.

Risks Covered

The choice is yours: you may take out insurance for credit risk only or for manufacturing risk as well.

Credit risk is the risk that your contract price and any interest will not be paid into your bank account on time or in full. This can be due to circumstances in your client’s country, such as war, natural disasters or government financial problems. Non-payment can also be due to commercial reasons (your client may be experiencing financial difficulties).

Manufacturing risk is the risk that your client will not reimburse you for the costs you have incurred if you are not able to deliver your goods or services for reasons beyond your control.

Deductible/Insured’s Own Risk

The percentage of cover for insured losses is 90%-98%. You will therefore bear the risk for 2%-10% of the insured amount of the contract. It is thus in your own interest that the transaction be completed efficiently. You may transfer your deductible to a third party such as your bank or a supplier. If you wish to do so, you must however first obtain our approval.

Are you looking for financing?

A client will sometimes ask you to finance his purchase. Usually you will not want to provide financing out of your own pocket. If you offer your client supplier credit by allowing him to pay you by means of trade bills of exchange (a type of payment promise), you can sell these bills of exchange to your bank once you have delivered your goods or services. You will thus receive payment upon delivery whereas your client will have been granted credit. For further information please refer to the section on the Direct Guarantee below.

Alternatively, your bank may grant a loan directly to your client abroad. In that case we can issue an insurance policy to your bank. For further information please refer to the section on the Buyer Credit Insurance Policy below.

Does your client want you to provide bonds?

A client may sometimes require guarantees such as an advance payment bond. We are also able to insure such bonds, which will free up capacity under your credit facilities with your bank. For further information please refer to the section on Bond Cover below.

And if things go wrong…

If your client fails to pay, you can submit a claim for indemnity upon expiry of the waiting period. For transactions with most countries, this is three months from a payment due date.  During the waiting period we will require you to use your best efforts to obtain payment from your client. It is important to inform us as soon as possible of any payment delay. If desirable , we can then decide together on the best course of action.


If upon expiry of the waiting period you have a right to indemnity, we, on behalf of the Dutch State, will pay you the covered percentage of the outstanding amount. This also applies to manufacturing or completion losses, in which case indemnification will be based on the costs incurred as per your preliminary cost estimate. Indemnity is usually paid in euros. When we indemnify you for a loss, we will acquire your receivables and any related security for the transaction concerned. We will attempt to recover the outstanding amount. If we are successful we will reimburse you for your portion of the risk.

What are the cost?

The premium amount is set at the beginning of the transaction. Depending on the contract value, export country and client rating.

Anti-bribery declaration

The Dutch state has ambitions with regards to ‘clean’ trade. It is therefore important that we want to make certain that transactions with eca cover are free of bribery. We will ask you to sign an anti-bribery declaration at the moment that we are going to issue a policy to you. Under the downloads you can read an example of such a declaration.  

Questions or advice?

Please contact an Atradius Dutch State Business advisor via +31 (0) 020 553 26 93 or


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The statements made herein are provided solely for general informational purposes and should not be relied upon for any purpose. Please refer to the actual policy or the relevant product or services agreement for the governing terms. Nothing herein should be construed to create any right, obligation, advice or responsibility on the part of Atradius, including any obligation to conduct due diligence of buyers or on your behalf. If Atradius does conduct due diligence on any buyer it is for its own underwriting purposes and not for the benefit of the insured or any other person. Additionally, in no event shall Atradius and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the statements made information herein.