Trade Credit Protection - Banco Sabadell

Comprehensive protection service

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Secure sales

Cover losses resulting from customer default

Protect yourself from the risk of non-payment from your customers due to de facto or de jure insolvency¹. With Trade Credit Protection your company can make secure sales, covering the entire invoice life cycle.

Protection against trade risk

Independent analysis of customers’ solvency

Anticipate potential defaults and make informed decisions. Coverage of the risk for the entire duration of the transaction anywhere in Spain or abroad, including legal proceedings, if necessary, with compensation 180 days after the original due date.

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Security in receivables collection

Ensure the values of all credit invoices

Including VAT, for the one-year period of the insurance. Transform customer insolvency into a budgetable cost that can be absorbed and that is tax-deductible. Constantly analyse and monitor customer solvency, making provisions for non-payments by means of a prior rating.

Benefits of
Trade Credit Protection Insurance

Insure the entire value of sales

Covers all credit invoices, including VAT, for the duration of the insurance.
Risk prevention and monitoring

Customer solvency is constantly analysed and monitored, making provisions for non-payments by means of a prior rating.

Risk converted into a foreseeable expense

The insurance transforms customer insolvency into a budgetable cost that can be absorbed and that is tax-deductible.
Protection of domestic sales and exports

Covers the accounts, regardless of the market you operate in.

Insure the entire value of sales

Covers all credit invoices, including VAT, for the duration of the insurance.
Risk prevention and monitoring

Customer solvency is constantly analysed and monitored, making provisions for non-payments by means of a prior rating.
Risk converted into a foreseeable expense

The insurance transforms customer insolvency into a budgetable cost that can be absorbed and that is tax-deductible.
Protection of domestic sales and exports

Covers the accounts, regardless of the market you operate in.

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Protection for Commercial Premises and Offices

Protect your business against damage, loss, or theft

With coverage tailored to your needs and fully flexible payment options: annual, quarterly, or semi-annual. Covers damage claims, criminal defence, or telephone legal assistance, among others.

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Executives and Administrators Protection

Insurance to protect the assets of your company's directors and officers

To provide the necessary peace of mind against possible claims against directors and executive staff for improper acts committed in the exercise of their duties.

Find out more

Would you like someone to explain it all to you in person?

Complete a short form and a manager will contact you to give you personalised guidance and help you find the best solution for your needs.

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Do you have any questions? We're here to help you

Branches and ATMs

Find a branch or request an appointment

Premium service

Exclusive telephone service for customers, attended by business specialists.
962 000 610 from Monday to Thursday from 8 a.m. to 5 p.m. and Friday from 8 a.m. to 3 p.m.

Customer Service Dept

Helpdesk on X

Customer Service Department @Sabadell_Help

Legal terms and conditions

1 De facto insolvency: the full or partial non-payment of a credit when six months have elapsed since the date of receipt by the company of the provisional liquidation notification. De jure insolvency: where a debtor files for corporate insolvency.

Trade Credit Protection is an insurance provided by Solunion Seguros, Compañía Internacional de Seguros y Reaseguros S.A., tax ID no.: A-28761591, Avenida General Perón 40, planta 2, 28020, Madrid. The contact details of the Data Protection Officer are: proteccion.dedatos.es@solunion.com.

Business and Office Protection is an insurance policy of BanSabadell Seguros Generales Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A64194590 and its registered offices at Calle Isabel Colbrand, 22, 28050, Madrid, registered in the Mercantile Register of Madrid and the DGSyFP Insurance Companies Register under code no. C-0767.

Director and Executive Protection is an insurance policy provided by Zurich Insurance Europe AG, a branch in Spain, with tax ID number W0072130H and registered office at Paseo de la Castellana 81, planta 22, 28046, Madrid, registered in the Administrative Registry of the General Directorate of Insurance and Pension Funds under code E0189.

Insurances brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (‘BanSabadell Mediación’) and marketed through the network of Banco de Sabadell, S.A., a company with which it has signed a distribution network services agreement. BanSabadell Mediación is domiciled at Avenida Oscar Esplá, 37, 03007, Alicante, Tax ID A03424223, and is registered in the Mercantile Registry of Alicante and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP under code no. OV-0004, acting for Zurich Insurance Europe AG, branch in Spain and Bansabadell Vida, S.A. de Seguros y Reaseguros, having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in effect at any given time. You can view the insurance companies with which BanSabadell Mediación has entered into an insurance agency contract at the website www.bancsabadell.com/bsmediacion.

Trade Credit Protection