At Willis, a WTW business, we partner with multinational companies (MNCs) to unlock liquidity, drive growth and simplify global credit insurance programs, by combining deep expertise, technology and a global network of specialists.
One global Willis team for your entire multinational organization
The challenges faced by multinationals
The problems posed by existing trade credit insurance arrangements stem from the way the market has evolved over time. Multinationals often buy policies for each market separately, rather than regionally or globally, which increases administrative burdens and costs. Many local policies provide 'whole turnover' coverage, which multinationals often don’t require since they can usually handle smaller bad debts. Insurers find it hard to offer tailored coverage under these circumstances, as they cannot accurately assess the true risk profile of large organizations. The complexity and cost of managing these arrangements leads some multinationals to avoid trade credit insurance entirely.
How Willis can help
Our credit insurance offering is built around the unique complexity and demands of multinational organizations. We provide a fully integrated, high-touch service model designed to deliver measurable impact across geographies:
Dedicated multinational brokers
Your program is managed by our most experienced multinational brokers. Operating seamlessly across borders, they focus solely on delivering enterprise-level outcomes rather than managing individual country P&Ls.
Fast-track access to insurers
We maintain direct lines to senior decision-makers at leading insurers, enabling swift escalation and resolution of key matters such as credit limits, policy terms, and claims.
Program modernization
We can help transform fragmented, outdated credit insurance programs into cohesive, technology-enabled global solutions.
Operating cost optimization
We actively assess your credit insurance program’s internal workflows and cost structures. By identifying inefficiencies and streamlining administration, we can reduce operational risk and support full policy compliance with minimal friction.
Global delivery network
With over 200 credit insurance specialists embedded in local markets worldwide, we can ensure efficient, on-the-ground implementation and responsive day-to-day support, providing both global consistency and local expertise.
Underwriting and analytics capabilities
We provide a comprehensive and proactive approach to credit risk management tailored specifically for the needs of multinational companies. Our value-added services include:
- Dedicated regional credit limit underwriters: Strategically positioned in all key markets, our underwriters work exclusively on behalf of our clients to challenge and optimize insurer credit limit decisions.
- In-house credit risk analytics: ProfitGuard, a WTW service, is an analytics agency staffed with 15 seasoned credit risk analysts bringing extensive financial analysis and industry expertise to your credit decisions. This allows for more informed underwriting strategies and buyer risk assessments.
Digital management
We help multinational clients modernize how they manage insurance and finance across their business systems:
- Proprietary Credit Intelligence Platform: Our in-house platform provides real-time visibility into credit limit utilization, exposure monitoring and insurer decisions.
- Plug-and-play APIs: We connect insurance and financing data directly into ERP and treasury systems.
- FinTech collaborations: We partner with digital-native trade finance platforms to deliver seamless, tech-enabled execution.
Trade finance and working capital capabilities
We help MNC clients design and implement financing strategies that improve liquidity and free up capital, whilst staying off balance sheets where possible.
- Structured solutions: From receivables finance to insurance-wrapped transactions, we tailor strategies to support regulatory and capital adequacy goals.
- Direct bank engagement: Our working capital solutions team works closely with global banks and financial institutions to secure the most capital-friendly structures.
- Full financing mix: We advise on accounts receivable (AR) purchase facilities as one piece of a broader trade finance toolkit — also supporting syndicated loans, ABL, ABS and hybrid models. We position each solution within your global treasury strategy to reduce dependency on single lenders and boost financial flexibility.
Ready to optimize your working capital and multinational credit risk strategy with Willis?
For further information please contact a member of our multinational trade credit and working capital solutions team.
Contact
Find out more about our due diligence services
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| Due diligence servicesPDF | .2MB |
Trade Credit Insurance
