Benefits Protects creditors against the risk on non payment. The Insured gains a "partner" which assumes the major percentage of risk of accounts receivable. The Insured has backup provided by market studies and analysis of clients provided by an expert agent. Allows anticipation of risk factors by Continental based on important crossed information concerning payment behaviour between their Insured, mainly within the domestic market. Has payment coverage in the majority of worldwide countries. Transforms the accounts receivable into low risk assets and permits the elimination of financial costs for overdue credit payments, ensuring a cash flow and working capital. Allows diminishing of provisions for uncollectable funds. Allows arranging and structuring of credit policies. Facilitates access to financing, as the policy can be endorsed to third parties e.g. Banks and factoring, thereby obtaining bank credits by easier means and with lower costs. Improves the company's financial classification. Facilitates penetration of new markets. Improves competition in the international market.