Trade credit insurance protects companies against the risk of non-payment by buyers and counterparties. It is particularly relevant for transactions conducted on deferred payment terms and for cooperation with new or foreign partners. Insurance coverage may include commercial and, where applicable, political risks such as insolvency, protracted default, or refusal to fulfil contractual obligations. The policy helps maintain stable cash flow and mitigates the impact of outstanding receivables on financial performance. When structuring the program, attention is given to the client portfolio, contractual terms, and geographical exposure. Trade credit insurance strengthens financial resilience and improves business predictability.