müügikindlustus

Müügikindlustus, also known as sales insurance or trade credit insurance, is a type of insurance that protects businesses against the risk of non-payment by their customers. This risk can arise from various situations, including insolvency of the buyer, protracted default, or political risks in the buyer's country.

The primary purpose of müügikindlustus is to safeguard a company's cash flow and protect its balance sheet from bad debts. By transferring the credit risk to an insurer, businesses can engage in trade with greater confidence, especially when dealing with new customers, export markets, or sectors with higher default rates.

Müügikindlustus typically covers both domestic and international sales. The policy can be structured to cover all of a company's sales or specific customer accounts or transactions. Premiums are usually calculated based on factors such as the volume of sales to be insured, the creditworthiness of the buyers, the industry sector, and the geographical spread of the business.

In the event of a covered non-payment, the insurer reimburses the insured business for a percentage of the outstanding debt, usually a significant portion, after a waiting period. This financial protection allows businesses to continue their operations without being severely impacted by customer defaults, thereby fostering business growth and stability. It can also enable businesses to offer more competitive credit terms to their customers.