It covers the insured’s business-to-business account receivable and, if there is failure of the insured to receive what they are owed due to a buyer’s bankruptcy, insolvency or other issue, or if payment is unreasonably late, the insurance policy will reimburse for a majority of the outstanding debt. This policy will protect the business from overdue payment and non-payment of commercial debts and ensure invoices will be paid and allows the insured to reliably manage the commercial and political risks of trade that are beyond control