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Single Buyer vs Whole Turnover Insurance
Single Buyer vs Whole Turnover Insurance: When Each Structure Is Used?
Exporters do not all have the same needs. Some trade with a single key buyer, while others work with a large portfolio.
Trade Credit Insurance can be structured to match these different models.
What is Single Buyer Insurance?
Single Buyer Insurance focuses on one specific buyer.
It is typically used when:
A large portion of revenue depends on one buyer
The exporter wants targeted protection
What is Whole Turnover Insurance?
Whole Turnover Insurance covers a portfolio of buyers.
It is used when:
An exporter trades with multiple buyers
Risk needs to be managed across the entire portfolio
Why does the structure matter?
Choosing the right structure helps exporters:
Align protection with their business model
Manage exposure more effectively
Support sustainable growth
A simple example
A UAE exporter relies heavily on one major buyer that represents a large share of its revenue, while also selling to several smaller buyers across different markets.
To manage this, the exporter uses Single Buyer Insurance for the key account and Whole Turnover Insurance for the rest of the portfolio.
This approach helps protect the main source of income while managing overall risk across multiple buyers.
How Etihad Credit Insurance (ECI) helps
Etihad Credit Insurance (ECI) supports exporters by:
Offering flexible structures based on business needs
Helping align coverage with trading patterns
Supporting risk management across different buyer profiles