What data to prepare before speaking to a trade-credit insurer

Most trade-credit insurance conversations start from a buyer list and an aging report — useful, but incomplete. Insurers and brokers price risk on concentration, historical payment behaviour and loss scenarios, and gathering that data mid-conversation slows the process and weakens your negotiating position.

The data that actually matters

Buyer-level exposure by currency and country, a 12-month aging history, and a clear view of concentration — how much of your book sits with your largest handful of counterparties — are the foundation. Historical write-offs or disputes matter too, even when the number is small, because their absence is itself a data point insurers will ask about.

Where most books fall short

The most common gap isn't missing data — it's unreconciled data: an aging report that doesn't match the customer master, or exposure figures quoted in mixed currencies without a consistent conversion basis. None of this blocks a diagnostic, but it does get flagged, and addressing it before the insurer conversation starts changes how the discussion goes.

Where Briavix fits

A Briavix exposure pack organises this into buyer-level exposure, aging, concentration and loss scenarios — analyst-validated, with any data gaps stated explicitly rather than hidden. You bring a cleaner starting position to the insurer or broker of your choice; Briavix does not sell or arrange the policy itself.