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TRADE CREDIT INSURANCE

TRADE CREDIT INSURANCE. home. Credit Insurance protects the receivables against commercial risks due the lack of payment from your customers. ABOUT US.

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TRADE CREDIT INSURANCE

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  1. TRADE CREDIT INSURANCE

  2. home Credit Insurance protects the receivables against commercial risks due the lack of payment from your customers.

  3. ABOUT US • The broker´s partnership that have been working for different insurance companies during more than 18 years, identify the necessity of creating a specialized broker in trade credit insurance, that allows advising our customers the correct policy, management through the deeply knowledge acquired along their professional career in the different areas of the trade credit insurance companies like; sales, customer relationship management, risk evaluation, claims and collections. Our principal mission is offering the best design policy to our customers. • We are Credea´s exclusive representantin Mexico (global tradecreditinsuranceassociationwww.credea.org), thisallowsus to managemultinationalcompanies as well as gainingseveralexperience and global strategiesknowledge.

  4. ABOUT US • We have deeply knowledge in coverage, policy conditions and indemnity process. • Experience with national and multinational companies. • Our services generate NO FEE for our customers; the insurances companies absorb that cost. • You must obtain the best competitive conditions contracting the credit insurance through Administradora de RiesgosComercialesbecause you will be supported by the specialists in the sector.

  5. ABOUT USMISSION MISSION • Advising with excellence and precision the right management of the credit insurance policy as a financial and commercial tool through a professional and specialist team that help the clients to obtain their targets through the correct portfolio management VISION • Being recognized for our customers as the specialist insurance credit broker with the highest strength and knowledge in the sector. TARGET • Satisfied the customer necessities, designing the best financial and commercial tool that allows reaching their targets throw the correct portfolio management.

  6. ABOUT USARC´ Benefits • Personalized and specialized attention. • Policy design conditions according the specific company necessities • Competitive price with all the insurer companies in Mexico. • Constant advice in the policy management: a) Buyer analysis, support in getting the best level buyer acceptance and monitoring response time. b) Insured Sales Report c) Overdue report d) Claims payments; supporting and monitoring in order of getting the indemnity on time.

  7. Accelerated indemnity: When insolvency is configured, it will be indemnity within 30 days after configured the risk Protracted default occurs when an insured credit has not been paid 6 months after itsmaturity or its extended due date. • Legal Insolvency (bankruptcy, payment suspension) • Insolvency in Fact (buyer disappear) • Protracted default (Insolvency presumption) Credit Insurance WHAT IS CREDIT INSURANCE WHAT IS CREDIT INSURANCE? Credit Insurance, indemnify unpaid receivables  on losses incurred by customer in granting credit limits both private and government sector through the insurer up to 90% invoice amount These are the risks covered: • Coverage to 90% of total invoice value

  8. BUYER (= RISK) Credit Insurance WHAT IS CREDIT INSURANCE Functional definition of Credit Insurance INSURED Credit insurance Policy Goods and Services Delivery Granted Credit Protects Againts risk of non Payment INSURANCE COMPANY Credit limit underwriting

  9. CreditInsurance HowdoestheCreditInsuranceOperates? The customer requests design of coverage; The Insured Company analizes the main buyers The Policyholder and the Insured company sign the policy contract The Policyholder presents the buyers credit limit applications The Insured Company analyzes the buyer aplications The policyholder makes credit sales The Policyholder reports each month the insured sales In case of Insolvence the policyholder apply the claim inmediatly. Insolvence Protacted Default The Policyholder reports bills with maturity over 60 days and stop shipments In case of Protacted Default the policyholder most apply the claim after 180 days passed the due date. The Insured Company Pays the claim

  10. CreditInsurance CreditInsuranceBenefits • Protection of receivables; • Protects one of the most important assets of the company, the accounts receivable, securitizing the cash flows. • Protect Cash Flow; How many additional sales are needed to cover the loss of an account receivable? Company with 4% of net profits With Credit Insurance 90% Coverage Without Credit Insurance

  11. Credit Insurance Credit Insurance Benefits • Commercial Penetration. Now you can incur markets and customers you had not previously taken due to the risk involved. • Taking advantage over competitors by offering better credit payment conditions with existing and potential buyers. • Leave using credit letters and the costs that are implicated. • Increases in sales and New Market Development

  12. Credit Insurance Credit Insurance Benefits • Reduces costs, because the credit insurance… • Guarantees better liquidity and faster debt collection vs. other instruments (mortgages, guaranties, etc.). • Minimizes financing costs while reducing reserves for bad debts. • Reduces customer investigations costs • Facilitates investigations of credit risk

  13. Credit Insurance Credit Insurance Benefits • Optimizes portfolio quality and its management • Complements exiting credit procedures. • Access allowed to “expertise global” based in industry sectors. • The Policyholder obtains neutral and ranked customer opinions.

  14. Credit Insurance Credit Insurance Benefits 5. Makes it easy to financing accessing • The current insurance policy, allows policyholders transferring the insured rights to the financial institutions or factoring companies. You can also access better financing conditions.

  15. Credit Insurance QUOTE If you are interested, please fill the application, so we can design a quote for your company. . Aquí poner el archivo del cuestionario. Click for ARC Seguro de Crédito presentation. (ahí poner la presentación)

  16. Business partners CREDIT INSURANCE COMPANIES We work with all the Trade Credit Insurance companies in Mexico.

  17. Business partners CREDEA-GLOBAL NETWORK Credea International Reach With a strong core of highly experienced credit insurance brokers Credea offers a true international perspective to your trade credit requirements.  The association boasts over 1,500 clients worldwide accounting for over 75 billion Euros in credit insured global sales serviced by 20 strategically located offices. Our success is a direct result of the strong service ethos close to the heart of each member, while the independent nature of Credea’s membership brings to each client a depth of trade credit insurance knowledge that will be the envy of many larger organisations.  Local Service Credea operates a robust membership charter which ensures that each client will receive the highest levels of broking service available in the locality. Credit Insurance global rates are normally negotiated in the domicile of our client’s Head Office with sub policies being issued at local offices reflecting the specific service and insurance needs relevant to each individual subsidiary. Knowledge and Expertise Credea members consist of over 50 insurance specialists spread over 10 countries having accumulated over 600 years of combined trade credit expertise. National CEOs have all built up their own credit insurance broking business after learning the trade at the large credtit insurance underwriters such as Euler Hermes, Atradius and Coface. . www.credea.org

  18. Business partners COMMERCIAL COLLECTION www.arcservicios.com.mx

  19. Business partners OTHER INSURANCES www.zarur.com.mx

  20. OTHER PRODUCTS In Administradora de Riesgos Comerciales we also offer Taditional Insurance and Bonds: INSURANCE: • Life • Major medical expenses • Cars • Damage: I. Credit Insurance II. Liability III. Farming IV. Fire Protection V. Transport (Maritime, Aviation and Rail) VI. Others (Theft insurance, film, glass, engineering, construction, machinery, assembly, electronic and boilers) BONDS: • Construction Bond • Supply Bond • Tax Bond • Property Lerasing Bond • Penalties Bond • Non Penalties Bond • Loyalty Bond • Credit Bond

  21. Contact ADMINISTRADORA DE RIESGOS COMERCIALES ARC-SEGURO DE CRÉDITO Armando Varela Mora; Asociado; E-mail: avarela2000@yahoo.com.mx armando.varela@arcmx.com.mx Cel: 04455 3983 64 16, 04455 3332 57 32 Erika Leticia Miranda Palma; Asociada; E-mail: erika.miranda.palma@gmail.com erika.miranda@arcmx.com.mx Cel: 0445518323728 y 4987-3792 Luis Vila; Asociado; E-mail luisv.vila@yahoo.com.mx luis.vila@arcmx.com.mx Cel: 0445563257467 Aniceto Ortega 817 PB-D col. Del Valle C.P. 03100, México D.F. Teléfono: 36 00 50 80 www.arcmx.com.mx www.credea.org

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