Easyliner: 小型企業綜合線上信用保險

The EasyLiner solution is made for you if you are a small business with a minimum turnover of HKD40,000,00. It’s a simple credit insurance policy dedicated to small companies at an all-inclusive rate starting at HKD20,000 a year.

The price depends on your estimated turnover for the current financial year, your profile (your industrial sector and number of customers, for example), and the options you take out. You can obtain a free, no-obligation quote online in just a few clicks by choosing the level of coverage to suit your needs. The price stated online includes the insurance premium (including insurance tax) and service fees. It’s an "all inclusive" price.

The history of failing companies shows that even clients you think you know, and have worked with for a long time, may face financial difficulties and stop settling their invoices. And sometimes it's too late when you find out. That’s why you have to cover your entire client portfolio to reduce this risk. However, turnover with affiliated companies, public companies or individuals is excluded from your policy and, it follows, from your rate base. You tell us about the turnover to be covered domestically and / or abroad when asking for the quote.

With an EasyLiner policy, you are covered by our debt collection service for covered unpaid invoices. We pay you the recoveries collected during this phase. If some of the receivables are not recovered, we will pay you compensation equivalent to 90% of the unpaid invoices. Coface also offers 3 options for determining the maximum amount of annual indemnification (the disbursement limit) that you can benefit from.

If your client is pleading a commercial dispute to avoid paying you, our collection managers will check that they are not acting in bad faith as a way to conceal their inability to pay. If the dispute is genuine and bona fide, your coverage will not be canceled but our collections will be suspended until you and your customer have resolved the dispute. The guarantee is reactivated once the dispute has been resolved, and the invoice can be indemnified if the customer is unable to settle it.