Trade Credit Insurance UK – Bad Debt Protection & Business Cover for SMEs
Protect your business against unpaid invoices, insolvency, and unexpected losses.
In today’s economy, late payments and customer insolvency can cripple your cash flow. That’s why UK SMEs are turning to trade credit insurance — a cost-effective way to protect your receivables, reduce risk, and trade with confidence.
At Go-Factor, we connect businesses with FCA-authorised credit insurance providers offering tailored protection against customer non-payment and commercial risk. Whether you trade in the UK or internationally, we help you get covered fast.
What Is Trade Credit Insurance?
Trade credit insurance, also known as bad debt protection, covers your business if a customer fails to pay due to insolvency, default, or long delays.
This type of policy is ideal if your business:
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Trades on 30–90 day payment terms
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Wants to protect cash flow and receivables
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Sells to new or international customers
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Seeks to improve access to finance (lenders prefer insured ledgers)
We work with insurers who also provide:
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Credit risk ratings and customer monitoring
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Optional debt collection and global risk cover
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Real-time alerts to flag high-risk accounts
Combine Credit Insurance with Invoice Finance
Trade credit insurance works perfectly with invoice finance, allowing your business to:
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Unlock working capital from unpaid invoices
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Protect those invoices in case of default or insolvency
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Improve your lender’s confidence and reduce financing costs
Business Insurance for Commercial Protection
Beyond credit risk, your business also needs protection from physical loss, liability, and disruption. Through our trusted insurance partners, we’ll help you secure:
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Building, contents & stock cover
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Employer’s liability & public liability insurance
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Professional indemnity insurance
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Business interruption & continuity cover
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Specialist SME insurance bundles
Why Use Go-Factor?
We’re an Introducer Appointed Representative (IAR) of Bridge Insurance Brokers Ltd, one of the UK’s leading commercial brokers. Through them, our clients benefit from:
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Quick, no-obligation quotes from A-rated insurers
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Customised cover for SMEs across all sectors
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Fair and fast claims support
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Expert guidance on risk management, health & safety, and business continuity