{"id":15768665,"date":"2026-07-21T15:30:48","date_gmt":"2026-07-21T13:30:48","guid":{"rendered":"https:\/\/www.hoertkorn.com\/credit\/hoertkorn-credit-gmbh-credit-insurance-broker-excess-of-loss\/"},"modified":"2026-08-14T14:40:37","modified_gmt":"2026-08-14T12:40:37","slug":"excess-of-loss","status":"publish","type":"page","link":"https:\/\/www.hoertkorn.com\/en\/credit\/excess-of-loss\/","title":{"rendered":"H\u00f6rtkorn Credit GmbH – Credit Insurance Broker – Excess of Loss"},"content":{"rendered":"

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EXCESS OF LOSS<\/p>\n

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Excess of Loss<\/p>\n

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The Excess of Loss Policy is a credit insurance solution for companies with a professionally organized credit management system and high volumes of receivables. Unlike traditional trade credit insurance, this solution allows the policyholder to conduct credit checks and set credit limits independently. The insurance only takes effect once defined loss thresholds are exceeded. This allows companies to retain full control over their receivables management while benefiting from reliable coverage in the event of major defaults.<\/p>\n

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What is covered?
<\/strong><\/span>
✔ Major bad debt losses exceeding defined deductibles
✔ Cumulative losses from multiple defaults
✔ Unexpected large losses in the receivables portfolio
✔ Extreme risks associated with high sales volumes<\/p>\n

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Who is an Excess of Loss solution suitable for?
<\/strong><\/span>
✔ Companies with their own credit management team
✔ Companies with a high volume of receivables
✔ Organizations with established risk processes
✔ Internationally active companies<\/p>\n

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EXCESS OF LOSS

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