Europolicy

A simple credit insurance solution for small and medium companies.

Non-payment from buyers for delivered goods or services may cause serious financial problems for a company at the very start of its business operations. Europolicy is a solution that protects the company against the risk of not-payment from buyers based in 41 countries, including Poland. Thanks to the Europolicy you will be able to expand the circle of buyers and safely grow your business.

Who is eligible

Europolicy is a credit insurance solution designed for companies commencing their business activities.

Which countries are covered by Europolicy?

Andorra

Australia

Austria

Belgium

Bulgaria

Canada

Croatia

Cyprus

Czech Rep.

Denmark

Estonia

Finland

France

Germany

Greece

Hungary

Iceland

Ireland

Italy

Japan

Latvia

Liechtenstein

Lithuania

Luxembourg

Netherlands

New Zealand

Norway

Malta

Marshall Islands

Monaco

Poland

Portugal

Romania

San Marino

Slovakia

Slovenia

Spain

Sweden

Switzerland

United Kingdom

Unites States of America

How can we assist you?
We will help you choose solutions best suited for your business.

Benefits

  1. Your company is protected against the risk of non-payment for the supplied goods or services rendered.
  2. We are able to cover selected buyers or even a single transaction.
  3. Simple and transparent insurance procedures tailored for small businesses.
  4. The insurance covers the majority of European markets, including Poland.
  5. The premium is the only cost incurred by your company, there are no additional fees or underwriting and debt collection.

How does it work?

  1. Assessment of the buyer’s credit worthiness. The company completes an insurance form and specifies the credit limit for the buyer submitted for the insurance. Our team of analysts then evaluates the credibility of the buyer.

  2. Conclusion of an insurance agreement and payment of insurance premium. After a positive assessment of the credibility of a business partner, the company concludes an insurance agreement with KUKE and completes payment of the insurance premium. The agreement remains in force for a period of 12 months. The premium payable upon the conclusion of the agreement is the only cost incurred by the company throughout duration of the insurance policy.
  3. Delivery of goods or services and payment by the buyer. The company delivers the goods or renders the service to the buyer. Next, the buyer makes the payment within the timeframe specified in the contract or stated on the invoice.
  4. Debt collection. Should the buyer fail to complete the payment within the specified payment period, the company requests that KUKE initiates debt collection procedures in relation to the buyer in default.
  5. Indemnification. Should the debt collection fail to bring the anticipated effects, indemnity is paid out to the company.

Eligibility criteria

In order to be covered by the Europolicy insurance a company is required to sell goods and/or services with a deferred payment term (on credit terms) to buyers based in selected 41 countries.

Solutions for small companies

Grow your business safely in Poland and abroad.

  • Protect your business against the risk of customer’s non-payment.
  • Convert outstanding invoices to cash with factoring.
Discover more

Our solutions

Do you have trouble selecting the right solution for your business? Contact us!
Our consultant will help you choose the right package of solutions to support your company's foreign expansion.

News and insights

Over the past 30 years, thousands of Polish companies* have benefited from our solutions enabling safe growth of their business in Poland and worldwide.
*from small family businesses, through medium-sized companies to the largest international corporations