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Exporters looking for credit insurance may encounter both public and private providers.

While both help manage payment risk, their roles and objectives can differ.

What is a private credit insurer?

Private credit insurers operate as commercial insurance providers, offering solutions based on market conditions and risk appetite.

Their focus is typically on commercially viable opportunities.

What is a public credit insurer?

Public credit insurers or Export Credit Agencies are established to support national trade and export development objectives.

They often play a broader role in supporting exporters and facilitating trade.

Why does the difference matter?

Understanding the distinction helps exporters:

• Evaluate available options
• Identify solutions that match their needs
• Better understand the role each provider plays in supporting trade

A simple example

A UAE exporter has built a strong customer base in existing markets and is now planning to expand internationally.

Before extending credit to new overseas buyers, the company explores different credit insurance providers to determine which solution best fits its expansion plans, target markets, and risk profile.

By understanding the role of both public and private credit insurers, the exporter is better equipped to select the most appropriate partner for its international growth.

How Etihad Credit Insurance (ECI) helps

As the federal export credit company of the UAE, Etihad Credit Insurance (ECI) supports exporters by:

• Protecting against non-payment risk
• Supporting market expansion
• Contributing to the growth of UAE non-oil exports

👉 Explore ECI’s trade credit insurance solutions.