Rising Trade Credit Insurance Claims in 2025: What Brokers Should Know

Trade credit insurers have reported a notable increase in both the number and dollar amount of claims filed in early 2025, with some leading providers seeing double-digit percentage growth in claims compared to previous years. This trend may reflect ongoing economic uncertainties, supply chain disruptions, and shifts in customer payment behavior.

What This Means for Brokers and Clients

• Increased Claims Frequency: The rise in claims may indicate heightened credit risk among buyers, potentially requiring brokers to advise clients on more rigorous credit assessments and policy adjustments.

• Policy Review and Optimization: Businesses may benefit from reviewing their trade credit insurance coverage limits and terms to ensure adequate protection in a more volatile environment.

• Risk Mitigation Strategies: Brokers might encourage clients to diversify their customer base or limit exposure to high-risk sectors to reduce concentration risk.

Navigating the Claims Environment

While claims increases may raise concerns, trade credit insurance remains a vital tool for managing receivables risk. Brokers who stay informed about market claims trends and insurer responses can better support clients in optimizing coverage and managing expectations.