Trade credit insurance

How EDC trade credit insurance helps your business

EDC trade credit insurance protects your cash flow and reduces the risk of non-payment so you can grow your exports with confidence. Choose from two options: Select Credit Insurance for occasional exporters, or Portfolio Credit Insurance for active exporters who need ongoing protection.

Reduce payment risk

Protect your business against non-payment from international buyers and maintain steady revenue as your export sales grow.

Increase borrowing power

Improve access to financing and fund larger deals by reducing the risk for lenders on insured receivables.

Compete in new export markets

Offer more competitive payment terms and expand into new or unfamiliar markets without taking on more risk.

Is trade credit insurance right for you?

EDC trade credit insurance is designed for Canadian companies selling to international buyers. It helps support growth as export sales increase and deals become larger or more complex.

You may be a good fit if you’re looking to: 

Close larger or higher‑risk deals with the right coverage 
Expand into new markets and sell to more buyers 
Offer competitive payment terms to win larger contracts 
Keep cash flow and operations steady if a customer doesn’t pay  
Improve access to financing through insured receivables

Explore your coverage options

We offer two coverage options—both protect against non-payment. Choose the one that best fits your sales volume and growth plans.

	Select Credit Insurance	Portfolio Credit Insurance
Coverage	Provides coverage for individual buyers or transactions, without having to insure your full portfolio. It’s the first step toward a Portfolio Credit Insurance policy.	Provides ongoing, portfolio‑wide coverage for consistent, high‑volume export sales across multiple buyers and markets under a single policy.
Best for	Occasional exporters who need short-term coverage for specific buyers or transactions.	Active, high-volume exporters who need ongoing coverage for multiple buyers and markets.
Amounts covered	Covers individual invoices, typically $5,000–$500,000.	Covers higher‑value receivables, typically $500,000+.
Payment terms	Two options based on customer payment terms: Up to 90 days 91-180 days	Flexible
Pricing	Pricing is liability-based, determined by contract size, buyer risk, payment terms and coverage period. Get instant pricing with our quick quote calculator.	Pricing is generally volume-based, adjusted for overall risk profile, sales volume, buyer distribution and payment terms.
Policy management	You can manage coverage on specific buyers or transactions as needed.	You can manage all insured sales in one online portal, including reporting, claims and payments.

Not sure which one to choose? Answer a few quick questions to get a recommendation.

Protect your global sales as you grow

Learn practical ways to manage international receivables, strengthen your borrowing capacity and reduce cash flow risk as you expand into new markets.

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How to protect cash flow as you scale

Download our free credit insurance guide to learn practical ways to manage credit risk, protect international receivables and stabilize cash flow as your global sales grow.

Tell us about yourself:

Thank you for applying for coverage under your PSG Margin.

EDC will respond to your request within the next five business days. If the coverage requested exceeds the parameters approved under your PSG Margin, EDC may require additional information to enable it to assess possible risks and may require additional time to process your request.

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Frequently asked questions

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Ready to diversify and grow your business?

Answer a few quick questions about your business to get started or call us at 1-800-229-0575.

Contact EDC

Date modified: 2026-07-14

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