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Single Buyer or Whole Turnover? Selecting the Right Cover

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 

👉 Explore our credit insurance solutions

Frequently Asked Questions

What is Single Buyer Insurance?

Single Buyer Insurance protects businesses against non-payment risk linked to a specific buyer, contract, or export transaction.

What is Whole Turnover Insurance?

Whole Turnover Insurance protects a company’s wider portfolio of buyers and receivables against non-payment risks.

What is the difference between Single Buyer and Whole Turnover Insurance?

Single Buyer Insurance focuses on specific buyers or transactions, while Whole Turnover Insurance provides broader protection across multiple buyers and receivables.

Which type of trade credit insurance is better for exporters?

The right solution depends on the exporter’s business model, buyer exposure, and risk profile. Single Buyer Insurance suits targeted exposures, while Whole Turnover Insurance suits businesses seeking broader receivables protection.