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Credit and Surety Bonds

Read all the information about these insurance policies, the difference between credit insurance and a suretly bond and when you need the one or the

What is credit insurance?  

This insurance protects companies from the commercial risk derived from defaulting on credit operations by their respective customers.

Knowing in advance the financial status of your customer portfolio and with the guarantee of being indemnified if there is a default, this insurance will protect you from unexpected situations and to reduce their financial impact on the solvency of your company.

Moreover, a professional will help you to manage the recovery to minimise the debt.

Surety bonds  

This insurance is a guarantee of fulfilment of obligations.

It guarantees that the Obligee (Beneficiary) will be indemnified for the damages that may be caused by breach by the Principal (Bondholder) of a legal or contractual obligation within the amounts and conditions covered.

The coverage is focused on obligations to perform an action, and excludes payment commitments such as loans or financial commitments.

Differences between credit insurance and a surety bond


Credit and surety insurance has different characteristics, which are detailed below:

Credit insurance

Surety bonds

  • It covers default risks
  • It covers contractual or legal obligations
  • It ensures indemnity on default on credit sales
  • It insures the indemnity of the damage that may cause a breach on the part of the Policyholder
  • The Policyholder signs the policy. The Insured holds the insured credit. The Policyholder and the Insured may or may not be the same person
  • The Insured is the party to whom the guarantee is given, that is, the Beneficiary of the insurance
  • It covers the default risk on the part of the customers of the holder of the credit.
  • It covers the risk of breach of a contractual or legal obligation, by the Policyholder (Principal)
  • It is the Policyholder/Insured who is insured against its customer’s default
  • It is the Insured that applies for a guarantee to protect itself from breach by the Policyholder

When do I need credit insurance or a surety bond?

When I need a surety bond

Needed by companies that sell on credit. It is used to know the solvency of the customer portfolio and to ensure collection of the sales.

When do I need a surety bond?

Needed to meet the guarantees required by the various public authorities or by the private sector.

Discover our credit insurance and surety bonds

Credit Insurance

Asset Publisher

The most advanced and comprehensive solution against default risks

  • Your whole portfolio insured with the most comprehensive coverage on the market

  • Qualified analysis of your customers to offer you a price in keeping with their types

  • Access to bank and non-bank financing

  • New! Cesnet Integral Combined management of all your existing customers, whether or they are insured by Cesce or not.

More information

Fixed-rate comprehensive solution for default risks

  • No Turnover limitation
  • Insure your whole customer portfolio
  • Single price applicable to all your sales
  • New! Cesnet Integral Combined management of all your existing customers, whether or they are insured by Cesce or not
More information

Paperless solution for your credit sales

  • For SMEs with a turnover of up to €5 million
  • Fixed premium according to turnover   
  • No sales declarations
​​Special offer
Save a great deal by taking it out right now! In the first year, the flat rate for costs to analyse
your debtors will set you back just €1
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Bespoke solution for comprehensive contract coverage

  • In all markets, with execution times of up to 36 months
  • Simplified contracting: a single policy for the entire portfolio of contracts
  • Price adapted to the nature of each contract
More information

The flexible solution for default risks

  • Know the solvency status of all your customers at all times 
  • Insure customers you consider more critical
  • Access to bank and non-bank financing
  • New! Cesnet Integral Combined management of all your existing customers, whether or they are insured by Cesce or not.
More information

Online credit insurance exclusively for Informa clients

  • Cover for operations with debtors that the client is interested in insuring.
     
  • Insurance can be taken out through Informa's website where information on prices and cover can be requested.
     
  • Flexibility in the duration of the cover: 3, 6 or 12 months.
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Non-payment insurance for individual invoices through financing platforms

  • Coverage for individual invoices financed through financing platforms

  • Immediate contracting, 100% online through the client area of the platform

  • 90% coverage and a 2 month compensation period

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100% online commercial credit management services

  • Choose the customers you want to monitor, up to 10 during the trial period
  • Turn credit recommendations into insurance with a single click
  • Pay only for the sales made your insured customers
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Seguros de Caución