Trade Credit Insurance

Trade Credit Insurance Zambia

Protect receivables and unlock funding for SA exporters and Zambian suppliers trading on open terms.

Berkley Risk (Pty) Ltd • FSP #54407 • We arrange cover with licensed insurers.

Trade credit insurance for Zambia

Trade credit insurance helps you grow sales into Zambia while protecting cash flow. We arrange buyer and country limits for Zambian counterparties on terms, including cross-border receivables and Kwacha (ZMW) invoicing, align notifications with lender rules, and where needed, coordinate factoring partners for eligible invoices. All terms are subject to underwriting and policy wording.

Why use trade credit for Zambia?

Exporters and suppliers to Zambia face concentration, tenor and dispute risk across Lusaka and the Copperbelt. With insurer limits and claim pathways, you can extend terms confidently and improve borrowing-base eligibility (bank policy dependent).

Liquidity: Improve working capital by making insured receivables more recognisable to lenders.
Growth: Extend terms safely to new Zambian buyers and regions.
Control: Country and buyer caps reduce shock losses and covenant breaches.
Alignment: Notifications and waiting periods matched to facility covenants.

Who is this for?

SA exporters to Zambia, Zambian suppliers selling B2B on terms, and SA lenders requiring insured receivables for facilities. Typical sectors: FMCG, mining supply chain, industrial spares, agri-inputs, healthcare distribution.

How does placement work for Zambia?

Scope: buyers, terms, DSO, top-20 exposure, loss history.
Indicative limits: insured % by buyer/country (non-binding).
Alignment: match policy notifications to facility eligibility.
Go-live: approvals issued; support on reviews and claims.

What risks matter most and how are they treated?

Risk	What to measure	Control	Insurance lever
Buyer concentration (Copperbelt majors)	% of book	Caps, dual approval	Per-buyer limit / top-up
Country exposure (Zambia)	Aggregate by market	Country cap	Country limit
Tenor (45–120 days)	DSO by buyer	Terms, milestones	Protracted default cover
Disputes	% disputed	SOPs, Incoterms®, POD	Wording conditions & notices

(Illustrative; wording governs.)

What information speeds a same-day indication?

Your sector and monthly B2B sales; average DSO (e.g., mining suppliers Zambia, FMCG distribution Zambia)

Top-20 Zambian buyers (names, towns/regions—Lusaka, Ndola, Kitwe, Solwezi, Chingola) + terms

Claims/losses (3 years) and any current insurer limits

Desired insured % and maximum tenor

Whether you require factoring on eligible invoices

Contact Berkley Risk to request a non-binding indication or speak to a specialist.

Indications are non-binding and subject to underwriting.

FAQs

Is trade credit insurance recognised by lenders for Zambian receivables?

Often yes subject to the lender’s policy. Insured receivables may support eligibility/advance rates when notifications and waiting periods align with borrowing-base rules.

Can we insure only our largest Zambian buyer?

Single-buyer and top-up options may be available, subject to underwriting and exposure.

Does insurance cover quality/quantity disputes?

Not until resolved per contract. Keep acceptance evidence, delivery docs and dispute logs.

Do I need Political Risk Insurance (PRI) as well?

Consider political risk insurance for transfer/inconvertibility or contract frustration on cross-border deals. It complements trade credit; wording governs.

Will factoring be available on all Zambian invoices?

Only eligible invoices against approved buyers. Facility rules and policy conditions must match.

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Years of Experience

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Specialised Products

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Annual Premiums

Other locations we serve

Berkley Risk arranges Trade Credit insurance for businesses across South Africa and selected African markets:

Looking for Trade Credit insurance elsewhere?

For a complete view of our Trade Credit insurance offering across all sectors and regions, see the Trade Credit insurance service overview. To discuss your specific exposure or get a quotation, contact Berkley Risk or call 011-702-8250.

Request a non-binding indication

Share a few details on your Zambian buyers, terms and exposure, and we’ll respond with an indicative view on limits and insured %. If you trade along SADC trade routes (e.g., the Beitbridge corridor, Chirundu and Kazungula Bridge), include the key counterparties and terms. Indications are non-binding and subject to underwriting and policy wording. Prefer a call? Contact Berkley Risk.

We arrange/place/coordinate insurance with licensed insurers. This page provides general information only; all terms are subject to underwriting and policy wording.

Berkley Risk (Pty) Limited (Registration Number 2017/412000/07) is an authorised Financial Services Provider under the Financial Advisory and Intermediary Services Act No 37 of 2002 – FSP#54407

Berkley Risk (Pty) Limited (Registration Number 2017/412000/07)

Authorised Financial Services Provider under the Financial Advisory and Intermediary Services Act No 37 of 2002 – FSP#54407