CAP | Work Around Your Credit Limits

Coverage When It Counts

What is CAP insurance coverage?

CAP programs are a set of trade credit insurance products that can be endorsed to your existing Euler Hermes policy, enabling you to purchase additional coverage on credit limits that have been fully or partially declined.

Our primary objective is to offer the most coverage under your existing policy, but there are situations where you have a need for coverage on higher-risk buyers or buyers for which limited information is available. These products allow you to make strategic trading decisions while maintaining sound financial management.

How does CAP coverage work?

Terms of the program mirror your existing Euler Hermes credit insurance policy
Both domestic and export markets are covered
Coverage is available for as few as 3 months, or as long as you need the limit
Policy deductible is not applied to CAP insurance claims
Policy loss ratio is not impacted by CAP insurance claims
Not all buyers are eligible

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Why choose Euler Hermes CAP?

Extending more credit often goes hand-in-hand with increased risk. That’s why Euler Hermes offers CAP, CAP+ and Power CAP—to provide coverage beyond what’s available through your existing Euler Hermes policy—so you can make the most of every sales opportunity.

If you need more coverage on a partially approved limit.

If you need coverage on a declined limit.

If you currently have A/R exposure above your approved limit.

If you have peak season, one-off, or special sales opportunities.

Choose the CAP product right for your needs:

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Product	Situation	Limit Size	Price	Where to Request Coverage	Credit Limit Fees
CAP+	Declined credit limits	Up to $75,000	6% per year (or 0.5% per month) of the value of the limit	EOLIS online policy management system	One-time $25 credit limit fee
CAP	Partially approved or reduced limits	Up to $3,000,000	2% per year (or 0.167% per month) of the value of the limit	EOLIS online policy management system	One-time $25 credit limit fee
Power CAP	Any large coverage need	Up to $3,000,000	Variable depending on several risk factors	Directly through Euler Hermes representative	No credit limit fee

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At Euler Hermes we value your time and will try to respond to your inquiry on the same working day. Some questions may take a little longer to answer, but we aim to provide you with a response within 3 working days.