Policy Beyond Borders

Protect your sales against non-payment in 160 countries.

Operating on faraway or unstable markets always involves additional risks. Policy Beyond Borders covers not only the consequences of typical events occurring in trade, such as buyer’s insolvency, but also the results of political developments and events defined as force majeure, which may affect payments.

Who is eligible

Exporters or companies planning to sell abroad, regardless of size and industry.

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


  1. Insurance of receivables from buyers based in as many as 160 countries, including markets where other insurance companies do not provide cover.
  2. The widest range of insurance cover in the market: commercial risk, political risk, force majeure (including a pandemic) and non-payment by a public entity.
  3. Insurance of sales by your subsidiaries registered in other countries.
  4. Free and effective debt collection: you do not have to collect overdue receivables from foreign buyers yourself - our specialists will take care of this for you.
  5. Convenient way to conclude and manage the insurance policy: you can sign the insurance policy using an electronic signature, manage the policy using the online customer portal and receive documents electronically.
  6. You choose buyers covered by the insurance. You have the possibility to insure sales even to a single buyer.
  7. Flexible adjustment of the terms and conditionsof the insurance agreement to your needs, including the possibility of buying an additional Protection+ credit limit.
  8. Pre-shipment risk cover i.e. the risk arising during manufacturing of goods or prior to performance of services, should you need it.
  9. Low, 5% retention.
  10. Free risk assessmentand monitoring of your buyers.
  11. Improved liquidity: insurance can be used as factoring collateral to help you to obtain funds from your buyer faster.
  12. Boosting your company's credibility with banks and financial institutions, which translates into better financing conditions for export activities.

Countries covered

Policy Beyond Borders covers 160 countries. See the full country list.

How it works

  1. Assessment of the buyer’s creditworthiness. You submit an application for insurance and indicate the amount of credit limit for the buyer reported for insurance. Our team of analysts conducts an assessment of the buyer’s payment credibility.
  2. Conclusion of the insurance agreement and payment of the premium. After a positive assessment of your buyer's payment credibility, you sign an insurance agreement with KUKE. Every month you pay an insurance premium calculated based on the actual turnover reported to KUKE, which is the only cost incurred by your company during the whole policy period. In case of lack of turnover with the insured buyer or failure to report turnover, a minimum premium is charged. At any time when you need it, you can take advantage of additional insurance cover (Protection+ credit limit or pre-shipment risk insurance) for an additional fee.
  3. Sale of goods or services and payment from the buyer. You deliver goods or provide services to the buyer. You can also obtain financing for your contract using factoring (from KUKE Finance or another factor) and use the Policy Beyond Borders as collateral for the factor. With factoring, you can release the cash frozen in your invoices and you get the funds onto your account faster.
  4. Debt collection. If you do not receive payment from your buyer within the deadline specified in the contract or invoice, you ask us to take debt collection steps against the defaulting customer.
  5. Payment of the indemnity. In the event that the debt collection fails to produce the expected results, we will pay you the indemnity.

Eligibility criteria

The maximum payment term for delivered goods or services may not exceed the period of two years. In case of agricultural goods (according to the WTO classification) the maximum payment term is 540 days.

NOTICE! In connection with the imposition of further sanctions by the European Union on Russia, including, inter alia, the exclusion of Russian banks from the international SWIFT settlement system, KUKE cancelled all credit limits for Russian buyers as of 28 February 2022. Thus, until further notice, it is not possible to obtain insurance cover for goods exported by Polish companies to Russia.


Free up cash frozen in unpaid invoices and improve your company's financial liquidity.

  • Offer longer payment terms to your customers without hurting your company’s liquidity.
  • Save time and let the factoring company handle managing and collecting payments from customers.
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