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Main Page / Short-Term Operations / Premium

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For all short-term operation, SBCE offers the following:

  • 1 - Prevention - The continuous analysis and monitoring of an importers' financial standing is an effective instrument utilized in client selection and the development of sale strategies for new markets.

  • 2 - Debt Collection - Included in our insurance policy is a debt collection mechanism. We possess an international network of collection agencies and specialized lawyers, distributed over 190 offices worldwide, that are recognized for their specific knowledge of local legislation and technical capacity to act in each of the nations in order to collect unpaid debts.

  • 3 - Indemnification - Export credit insurance policy, as all other insurance policy, is also designed to compensate policyholders in the event of a claim.

  • 4 - Financing Guarantee - Another important function played by our policy is to act as a credit guarantee in exports financing transactions (ACE, PROEX and BNDES-EXIM), allowing for easier and cheaper access to credit. For this guarantee to be effective, policyholders must transfer the right to compensation in the event of a claim to the institution providing the line of credit.
  • Coverage
  • Completeness
  • Credit Limit
  • How to request a credit limit
  • Claims and Indemnification
  • Costs
  • Premium



    • "It is important that the policyholder has realistic estimations of the total volume to the exported."

    Commercial Risk Premium - This is the insurance cost itself, and is determined by a percentage of the total value of the exports performed during the period of cover.

    In practice, the exporter cannot foresee in advance the total volume that will be exported. Therefore, SBCE determines a value based on the policyholder's estimations of total future shipments, known as the MINIMUM PREMIUM. This value corresponds to the minimum payment the exporter must make and which shall not be refunded.

    As mentioned above, throughout the contract period, the policyholder must make monthly reports indicating how much has been exported and to which importer. At the end of the period of cover, the actual "Premium" can be calculated, by applying the "Premium Rate" on the volume of total exports. If this value turns out to be greater than the minimum premium established previously, then, the policyholder must pay this difference.

    It is important that the policyholder's estimations of the total volume exported be realistic. If the estimated value is too high, the "Premium Rate" will be proportionally lower, but the "Minimum Premium", will in turn, be greater. The reverse is true in the case of very conservative projections.

     

  • Analysis Fee
  • Monitoring Fee
  • Short-term Political and Extraordinary Risk Policy

    • Further information of prices

     
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