Client-oriented Trade Credit Insurance Brokerage

Gateway to International Trade Credit Insurance Markets

Built on Expertise, Analytics and Market Insights

StahlRisk

is an independent insurance brokerage specializing in credit risk transfer through the international insurance market.

As an independent broker, we act solely in the best interest of our clients. With more than half a decade of experience, we give our clients access to leading insurers and capacity providers through a trusted and reputable channel, helping them secure the coverage they need on the most favourable terms.

We help build strong policy foundations and then develop and shape each insurance program as our clients’ needs grow and evolve. We support companies at every stage of their risk-transfer cycle, whether they are considering to establish an insurance program or already have one in place. For clients with existing insurance arrangements, we may step in immediately when coverage is insufficient, new risks appear or a critical loss event occurs, ensuring timely support and access to the right market solutions.

Alongside credit risk solutions, we provide a range of surety products. Through our partnership with leading global market participants, we also enable clients to access capacity in the Lloyd’s of London market.

Explore our solutions

Whole Turnover (WTO)

A comprehensive insurance program that covers company's entire debtor portfolio, insuring all credit sales up to agreed limits. This provides broad protection against non-payment risks such as insolvency, protracted default, or other credit-related issues. Insurers continuously monitor the financial health and payment behavior of your customers, ensuring coverage reflects real-time creditworthiness. Ideal for companies seeking to transfer their full credit risk exposure to a selected insurer. Learn more.

Selected Portfolio

A type of trade credit insurance that covers a specific, preselected group of customers. By focusing on defined buyers, businesses can align protection with their risk profile and allocate resources where they matter most. This selective approach is ideal for companies with a concentrated customer base or sectors where certain clients pose higher credit risk. Compared to Whole Turnover programs, Selected Portfolio coverage typically comes with higher relative costs. Learn more.

Single Buyer

Form of trade credit insurance that provides coverage for credit risk associated with one specific customer or buyer rather than multiple accounts or the entire portfolio. This type of policy is designed for businesses that have significant exposure to a single client, whether due to large contract values or long-term agreements. Learn more.

Excess of Loss (XoL)

Ideal for businesses that have strong internal credit management and want protection only against exceptional or catastrophic losses that exceed a predetermined threshold. Unlike traditional policies that cover individual customer defaults, this policy focuses on aggregate losses across the entire portfolio during a policy period. This structure allows companies to retain a certain level of credit risk on their books while transferring excess risk to the insurer. Learn more.

TopUp

A suitable solution for businesses with an existing trade credit insurance program that lacks sufficient coverage. TopUp programs increase credit limits on your current policy. When implemented correctly, they align seamlessly with your base insurance and add no extra operational burden. TopUp programs can be tailored to add cover to your entire buyer portfolio or improve credit limits on key buyers. Learn more.

Capital Relief Solutions (CRS)

A tailored solution for banks operating under Basel regulations. With proper insurance contract wording, banks can reduce RWA by transferring a portion of credit risk to a selected A-rated insurer. This approach delivers two key benefits: capital relief and the ability to increase exposure to key clients. By leveraging credit risk insurance, banks optimize capital efficiency while improving client relationships. Learn more.

Surety Bonds and Guarantees

Insurance solutions that fully replace traditional bank guarantees in B2B and B2G transactions. By using surety bonds and guarantees issued by insurers, businesses can unlock credit lines previously tied to guarantee requirements, freeing borrowing capacity for strategic investments or operational needs. This approach not only enhances liquidity but offers greater flexibility and cost efficiency in managing financial commitments. Learn more.

Given Advance Payment

Typically used for a single transaction where a buyer seeks protection against the risk of non-repayment of an advance payment made to a supplier under a delivery contract. This coverage ensures that if the supplier fails to deliver as agreed, the buyer’s advance payment is safeguarded. Learn more.