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delinquent credit insurance. What is it?

companies to sell futures and ensuring their sales (all, but mainly when unknown, suspicious of his client or the amount is important) have a tool for the possible non-payment does not entail heavy losses on its cash, including its disappearance to the enterprise. Is the credit insurance. Arrived
the event of default in payment, the creditor company communicates with your insurance company, which set time limits in clauses pay all or part contained in these clauses, ensure both that the debt claim way it believes appropriate.
CONDITIONS: normally, or traditional credit insurance, the company must provide its insurer's portfolio of clients and annual turnover, which will analyzed by the insurance and according to the volume of such sales and their risk of establishing an annual bonus. This premium can be significant depending on such factors as orientation and say that it is rare or 0.20% lower than 1% of turnover. It should be noted that customers who were sold, must be other companies and does not cover cases of self and / or professional and sales management.
It should be noted that there are a few companies that have a credit with certain characteristics that differ from traditional ones. These insurance company will inform Icuris that calls this service Infogarantía or Guarantee Fund: the obligation to of ensuring all annual turnover, the Infogarantía only ensures that customer and that customer billing that you want. It also ensures any client either company, independent or professional (excluding individuals).
This Icuris Credit Insurance has two variants: one is more complex and with lower rates, and a more simple and standardized rates somewhat higher. In both, it is necessary and mandatory risk analysis will give us the rating or level of risk: if more than 5, it is possible that credit insurance contract, one of the variables to set the rate. Another variable is the franchise you choose from which we can return the unpaid, and another is the time we elapse so that we can pay the unpaid.