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# Receivables Insurance Canada

Taking Canada to the World

## Sitemaps

- [XML Sitemap](https://receivablesinsurancecanada.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Private Spaces](https://receivablesinsurancecanada.com/private-spaces/) - In modus recteque pro, has offendit accusamus interesset ex, per at accusam albucius. Ei dico suscipiantur his. Labore iuvaret fastidii ei cum. Primis antiopam sententiae ne mei, at cum forensibus voluptatum. Duo ei congue ubique admodum, ut erat adhuc vix. At exerci laoreet elaboraret pri, an sumo neglegentur sit. Cu pro erat ceteros maiorum. Senserit repudiare

## Pages

- [Home](https://receivablesinsurancecanada.com/) - Receivables Insurance protects domestic and international receivables from non-payment, enhances security of working capital loans and helps your business grow
- [Episode #40: Arming Against the Unseen: Cyber Security in 2026](https://receivablesinsurancecanada.com/episode-40-arming-against-the-unseen-cyber-security-in-2026/) - [00:00:00] Janet Eastman: Escalating cyber attacks are reflecting the increasing volatility of the global environment. And according to the World Economic Forum, AI is anticipated to be the most significant driver of change in cybersecurity in 2026. An entity operating online is at risk of a malicious attack, and constant vigilance is required to mitigate
- [TradeSecurely Podcast](https://receivablesinsurancecanada.com/tradesecurely-podcast/) - Apple PodcastsSpotifyTRADE SECURELY - INDUSTRY NEWS The TradeSecurely Podcast provides information and news to help Canadian companies grow, succeed and trade securely at home and abroad. Our members are on the frontline of risk mitigation and on the TradeSecurely podcast they provide tips and insights on how to manage your business risk at home and
- [The Wally Meneray Memorial Award for Excellence in Risk Underwriting (The WAMMA)](https://receivablesinsurancecanada.com/the-wally-meneray-memorial-award-for-excellence-in-risk-underwriting-the-wamma/) - The WAlly Meneray Memorial Award for Excellence in Risk Underwriting (The WAMMA) was created by the members of the Receivables Insurance Association of Canada to honour the memory of an exemplary risk (buyer) underwriter. Winners of the award must have demonstrated a determined work ethic and extensive knowledge of the receivables insurance industry, must have contributed to the
- [FAQ & Resources](https://receivablesinsurancecanada.com/learn/) - Contact A RIAC MemberTrade Securely - NewsLearn about Receivables Insurance here. Watch our videos, listen to our podcasts or read our TradeSecurely News feed or explore our frequently asked questions. Remember you can always reach out to one of our members to ask your questions directly. WatchICISA Webinars: Shifting the paradigm in TCI: lessons from
- [Episode 39: Credit and Collections](https://receivablesinsurancecanada.com/episode-39-credit-and-collections/) - Going Global with Confidence [00:00:00] Janet Eastman: The Canadian government has a goal to double exports to non US markets over the next 10 years and it will support this with investments to improve supply chain and strategic infrastructure projects for the Canadian economy. To achieve this $300 billion goal, Canadian business is going to
- [Episode 38: Transcript](https://receivablesinsurancecanada.com/episode-38-transcript/) - [00:00:00] Janet: Welcome to the Tradesecurity podcast brought to you by the Receivables Insurance association of Canada. I'm Janet Eastman and today we're looking at the shift in Canada's trade strategy that comes with the 2025 federal budget. To outline what has changed and what it means for Canadian business, I'm joined by Jordan Mofford.
- [Member Benefits](https://receivablesinsurancecanada.com/member-benefits/) - The Receivables Insurance Association of Canada is engaged in initiatives to accelerate the success of the receivables insurance market in Canada and thereby improve the competitiveness and financial efficiency of Canadian businesses. Member BenefitsRIAC members can share their expertise in videos and podcasts. We distribute this content on our social channels, YouTube and via our websites
- [Our Members](https://receivablesinsurancecanada.com/our-members/) - RIAC members are Receivables Insurance Brokers and Providers on the frontline of risk mitigation for businesses in Canada. Our members help Canadian companies grow and succeed by providing them with tools to trade securely at home and abroad. Ask one of our members how Trade Credit Insurance | Receivables Insurance can help your business INSURERS
- [About RIAC](https://receivablesinsurancecanada.com/about-us-2/) - Become a RIAC MemberCurious About RI?Contact A RIAC MemberTrade Securely - NewsA Force for Progress The Receivables Insurance Association of Canada promotes the business opportunity for receivables insurance – also known as trade credit insurance – to Canadian insurance brokers, the banking industry and businesses engaged in domestic trade and exporting. The Receivables Insurance Association
- [Jobs](https://receivablesinsurancecanada.com/jobs/) - Curious about a career in Receivables Insurance? Contact Us!
- [Contact Us](https://receivablesinsurancecanada.com/contact-us/) - Receivables Insurance Association of Canada 2148 Carling Avenue, Unit #2, Ottawa, ON K2A 1H1 For questions specific to your insurance policy, please contact your insurance broker. Receivables Insurance Association of Canada does not supply quotes for insurance, nor can the association refer you to an insurance broker. For a complete list of members please see
- [For Brokers](https://receivablesinsurancecanada.com/home/receivablesinsurance-for-brokers/) - The generalist broker can benefit by outsourcing their business clients' receivables insurance business to a trusted specialist broker with RI expertise.
- [Episode #37: Data Over Doubt](https://receivablesinsurancecanada.com/episode-37-data-over-doubt/) - PDF Data Over Doubt: Make better customer credit Decisions [00:00:02] Janet: This decade has been a real challenge for global business. What began as a normal decade quickly turned when the COVID 19 pandemic kicked off in March of 2020. The lockdown began and business screeched to a halt. A recession arrived, stock markets crashed,
- [Trade Credit Insurance](https://receivablesinsurancecanada.com/trade-credit-insurance-for-business/) - Trade credit insurance or receivables insurance and it protects your business from buyers that are unable to fulfill their invoice payment obligations.
- [Episode #36: Where Credit Managers Fear to Tread - Transcript](https://receivablesinsurancecanada.com/episode-36-where-credit-managers-fear-to-tread-transcript/) - [00:00:00] Speaker A: Welcome to the Trade Securely podcast and part two of our look at how to avoid the pitfalls when granting credit. I'm Janet Eastman and joining me again to discuss this topic are two former credit managers who are now credit insurance brokers. Michelle Davey is the president of Credit Assure. She
- [How-To Videos & Presentations](https://receivablesinsurancecanada.com/member-landing-page/training-videos/) - VIDEOSGetting the Most Out of Your LinkedIN Profile This video explains how to set up a LinkedIN account, if you don’t already have one, and then outlines how to follow RIAC and interact with, and share RIAC content. RIAC will in turn follow and share your content. Setting Up Your Twitter Account This video explains
- [Tariffs:  You Ready?](https://receivablesinsurancecanada.com/tariffs-you-ready/) - Protect Against the Impact of Tariffs In today's global economy, businesses are increasingly exposed to the risks and complexities of international trade. One of the most significant challenges faced by companies is the imposition of tariffs, which can disrupt supply chains, inflate costs, and ultimately impact profitability. While tariffs are often outside the control of
- [Board Meeting Reports](https://receivablesinsurancecanada.com/board-meeting-reports/) - 2024 2023 2022 December 9, 2021
- [RI Info](https://receivablesinsurancecanada.com/member-landing-page/ri-info/) - RIAC Board Meeting ReportsBeginning with Q4 2021 RIAC began posting all board meeting reports to the member only section of the website. By clicking the image on the left members are able to view all reports related to RIAC board meetings from Q4 2021 forward. How Digital Transformation of Canadian TCI Application Process Could Help
- [Episode #35: Transcript](https://receivablesinsurancecanada.com/episode-35-transcript/) - Trade Credit & the Energy Sector [00:00:00] Speaker A: Welcome to the Trade Securely podcast. I'm Janet Eastman. And on this episode, we're going to drill down into the energy sector to look at the current state of the market and to investigate how receivables insurance actually can be used by energy companies to clear
- [Episode 34: Avoiding the Pitfalls When Granting Credit - Transcript](https://receivablesinsurancecanada.com/episode-34-avoiding-the-pitfalls-when-granting-credit-transcript/) - Tips for Credit Managers [00:00:00] Speaker A: Granting credit is not an easy decision, and it can be risky. I'm Janet Eastman, and on this episode of the trade securely podcast, I'm joined by two experts who've been credit managers and now work with companies to help them mitigate their credit risk. Michelle Davy is
- [Your Profile](https://receivablesinsurancecanada.com/ri-courses/your-profile/) - NOTE: When selecting your appropriate certificate please note from left to right the certificates are General Certificate, Alberta Certificate, Manitoba Certificate & Quebec Certificate. The General Certificate is applicable to BC, Saskatchewan, Ontario and other Provinces and Territories. Quebec Certificates: If you require your Continuing Educations credits to be registered with ÉduChAD please email janet.eastman@receivablesinsurancecanada.com
- [Login to CE Courses](https://receivablesinsurancecanada.com/ri-courses/register-login-to-ce-courses/) - Welcome to RIAC's Continuing Education. If you have purchased courses you can access them by logging in here. The purchase of a course registers you in the RIAC Continuing Education system, providing you with a user name and password to access your courses. Please Note: It is recommended you provided your CIPR# during registration as
- [Episode #33: Drive Opportunities | Mitigate Risk in the Automotive Supply Chain - transcript](https://receivablesinsurancecanada.com/episode-33-drive-opportunities-mitigate-risk-in-the-automotive-supply-chain/) - Cases for Trade Credit Insurance Transcript [00:00:06] Speaker A: The world's focus on the EV revolution has new automotive plants and gigafactories popping up all across North America and beyond. And this opens up new opportunities in various sectors, including construction and the automotive supply chain. But there are always risks with new opportunities. So
- [Episode 32: Expert Knowledge Pays](https://receivablesinsurancecanada.com/episode-32-expert-knowledge-pays/) - A Trade Credit Insurance Specialist As Your Broker of Record [00:00:03] Speaker A: Sometimes it's hard to know what you don't know, and this can lead to issues. In this episode of from the Trenches, we outline how a lack of knowledge and understanding on the part of both the insured and the insurer led
- [Episode 30: From the Trenches](https://receivablesinsurancecanada.com/episode-30-from-the-trenches/) - WHAT'S IN A NAME? EVERYTHING! Transcript: [00:00:02] Speaker A: In business as in life, it's possible, if not probable, that the same or similar name can apply to more than one. And when it comes to business, it's important to know your client. And this is where what's in a name is everything. Welcome to
- [Episode 31: Transcript](https://receivablesinsurancecanada.com/episode-31-transcript/) - From the Trenches: You Saved My Business [00:00:03] Speaker A: You have no doubt heard the statement, don't have all your eggs in one basket. And that's what comes to mind with this real life industry story. From the trenches. Welcome to the Trade Securely podcast, brought to you by the Receivables Insurance association of
- [For Bankers](https://receivablesinsurancecanada.com/receivables-insurance-tool-for-bankers/) - Receivables Insurance enhances security on working capital loans to banking clients providing coverage if buyers cannot meet their invoice payment obligations.
- [Thank You!](https://receivablesinsurancecanada.com/thank-you/) - Thank You! Thank you for registering for an accredited continuing education course from the Receivables Insurance Association of Canada (RIAC). You can now access your course by registering/logging in here.
- [CE Courses](https://receivablesinsurancecanada.com/ri-courses/) - ACCREDITED Continuing Professional Development The Receivables Insurance Association of Canada (RIAC) has developed the only accredited suite of receivables insurance training in Canada. These training courses are designed to help brokers, bankers and business owners better understand Receivables Insurance (also known as credit insurance or trade credit insurance) as it is a valuable tool that
- [A Broker Opportunity](https://receivablesinsurancecanada.com/trade-credit-insurance/) - Continuing EducationCE Credits deadline dates for agents and brokers; British Columbia before June 1, Alberta, Manitoba, Quebec before July 1, Ontario before October 1 and before your renewal date for Saskatchewan. OUR COURSESTrade Credit Insurance In Your Portfolio of Offerings Interested? Learn more here RIAC Trade Credit
- [Episode #27: It's Your Money.  Make sure you get paid - transcript](https://receivablesinsurancecanada.com/episode-27-its-your-money-make-sure-you-get-paid-transcript/) - PDF Speaker 1 00:00:03 Welcome to the Trade Securely Podcast. Speaker 2 00:00:07 Business is all about generating revenue, and it's been said that a sale isn't a sale until the payment is collected. But let's take that just a little further and say that a sale isn't a good sale unless the payment is
- [YouTube Videos](https://receivablesinsurancecanada.com/index/) - To see all our member videos and other receivables insurance related videos please go to our YouTube channel and search by company, person or topic. Click button to see your videos! RIAC YouTube - TradeSecurely AIG - Brad Hebert | Allianz - David Dienesch | Allied World - Kent Paisley | Atradius - Chris Short
- [Episode #25: Transcript](https://receivablesinsurancecanada.com/episode-25-transcript/) - PDF What a Generalist Broker Wants to Know about Receivables Insurance Speaker 1 00:00:07 There are many different kinds of insurance and as a product, it can be confusing. The train securely podcast is brought to you by react to the receivables insurance association of Canada. And as a product receivables insurance is not widely
- [Your RIAC Member Benefits](https://receivablesinsurancecanada.com/member-landing-page/) - How-To Videos & Presentations In this section RIAC members can view the social media training videos and presentations for getting the most out of LinkedIN and Twitter. Goods and Services Savings Visit this section to access your member benefits for discounts on a variety of goods and services. Professional Development RIAC members have access to
- [Cover Your Assets!](https://receivablesinsurancecanada.com/cover-your-assets/) - If you have questions please reach out to one of our members who are happy to help! Download
- [Episode 23: Transcript](https://receivablesinsurancecanada.com/episode-23-transcript/) - Credit Management Perspectives PDF Speaker 0 00:00:03 Welcome to the TradeSecurely podcast. This is the trade securely podcast brought to you by the receivables insurance association of Canada who's member brokers and insurers are helping Canadian businesses succeed and grow by enabling them to trade securely at home and abroad on Janet Eastman. And on
- [Episode 22: Transcript](https://receivablesinsurancecanada.com/episode-22-transcript/) - The Navigator: The Broker Role in Receivables Insurance PDF Speaker 0 00:00:03 Welcome to the trade securely podcast. Oscar Wilde said to expect the unexpected shows a thoroughly modern intellect. Those in business know that the unexpected does happen and having a team of advisors and supportersSpeaker 1 00:00:18 Just to help you through the
- [Episode 21: Transcript](https://receivablesinsurancecanada.com/episode-21-transcript/) - PDF Speaker 0 00:00:03 Welcome to the TradeSecurely podcast.Speaker 1 00:00:06 Being in retail in the 21st century is not for the faint of heart, like a roller coaster. There is a steady stream of ups and downs, and in recent years, the way customers shop and the way retail operates has dramatically changed. Our
- [Cover Your Asset$](https://receivablesinsurancecanada.com/cover-your-asset/)
- [Episode 20: Transcript](https://receivablesinsurancecanada.com/episode-20-transcript/) - The B2B Pay Delay: COVID-19's Impact PDF Speaker 0 00:00:03 Welcome to the trade security podcast. Every year, a trade is releases a payment practices, barometer survey, which so shows the international behaviors for payment practices in countries around the world. This year, his findings released in early July show the impact thus far of
- [On TradeSecurely](https://receivablesinsurancecanada.com/on-tradesecurely/) - TradeSecurely: Episode 20The B2B Pay Delay: COVID-19's ImpactEvery year Atradius releases a Payment Practices Barometer survey which shows the international behaviours for payment practices in countries around the world. This year’s findings, released in early July, show the impact thus far of the COVID-19 pandemic. Though it will take time to determine the full impact
- [Trade Partnership Insurance Launched to Bolster Canadian Business  Through COVID-19 Impact](https://receivablesinsurancecanada.com/trade-partnership-insurance-launched-to-bolster-canadian-business-through-covid-19-impact/) - RIAC Members to Support Canadian Businesses with Additional Credit Capacity Ottawa, ON – May 7, 2020 The Receivables Insurance Association of Canada (RIAC) is pleased to announce that RIAC members Export Development Canada (EDC), Euler Hermes, Atradius, Coface Canada and The Guarantee Company of North America have collaborated to bring much needed credit capacity to
- [Grow & Trade Securely](https://receivablesinsurancecanada.com/protect-your-business/) - Thanks for your interest in Receivables Insurance. This brochure provides an outline of what receivables/credit insurance is. You can download the brochure here. If you would like to speak with a Specialist Broker about how receivables insurance can benefit your business please visit our member page.
- [Episode 19: Transcript](https://receivablesinsurancecanada.com/episode-19-transcript/) - PDF An Economic Update - The Impact of COVID-19 -- Speaker 0 00:03 Welcome to the trade security podcast. We are riding a roller coaster of economic news right now with great drops and turns coming unexpectedly and often as a steady stream of information whips by. It's difficult to gain an understanding of what's
- [RIAC Members and EDC to Support Canadian Businesses Through COVID-19](https://receivablesinsurancecanada.com/riac-members-and-edc-to-support-canadian-businesses-through-covid-19/) - Ottawa, ON – March 30, 2020 – The Receivables Insurance Association of Canada (RIAC) is pleased to announce that RIAC members, in partnership with fellow RIAC member Export Development Canada (EDC), are participating in the Government’s laudable support for Canadian businesses though the COVID-19 crisis by dedicating their resources to augment the effectiveness of the new
- [My Courses](https://receivablesinsurancecanada.com/my-courses/) - These are the RIAC Courses you have purchased.
- [RIAC Archive](https://receivablesinsurancecanada.com/riac-archive/)
- [Goods and Services Savings](https://receivablesinsurancecanada.com/member-landing-page/goods-services-savings-page/) - Save Up To 25% Save up to 25% off Avis base rates plus get other great offers. RIAC members always receive up to 25% off your rental when you use AWD# D423500, plus enjoy additional offers like dollars off, a complimentary upgrade, or a free weekend day. With a complimentary membership in Avis Preferred®, you’ll
- [French](https://receivablesinsurancecanada.com/french/)

## Products

- [RI - Bundle: Trade Credit Insurance / Receivables Insurance Training Package](https://receivablesinsurancecanada.com/product/ri-bundle/) - This course bundle provides seven hours of continuing education, giving a comprehensive overview in receivables insurance. When successfully completed the user receives seven CE credits and five certificates of completion. The bundle includes; RI-01: An Introduction to Receivables Insurance, RI-02: A Working Background to Underwriting Receivables Insurance, RI-03: Understanding Buyer Underwriting, RI-04: The Life Cycle of a Claim and RI:05: The Export Advantage.
- [RI-04: The Life Cycle of a Trade Credit Insurance Policy/Receivables Insurance Policy Claim](https://receivablesinsurancecanada.com/product/ri-04-the-life-cycle-of-a-claim/) - Claims are the acid test for the effectiveness of an insurance policy. Although credit insurance brings several ancillary benefits such as improved financing, higher sales and vital credit/business information, the most important aspect is that the insurance respond when a bad debt occurs. This course is accredited in QC, ON, MB, SK, AB, BC
- [RI-03: Understanding Buyer Underwriting in a Trade Credit Insurance Policy/Receivables Insurance Policy](https://receivablesinsurancecanada.com/product/6290/) - Knowing the mechanics behind a receivables insurance policy enables an understanding of how to ensure an effective and economic program for your client. This course will outline the various types of credit limits and the factors that impact how they are determined. This course is accredited in QC, ON, MB, SK, AB, BC
- [RI-02:  A Working Background to Underwriting a Trade Credit Insurance Policy/Receivables Insurance Policy](https://receivablesinsurancecanada.com/product/a-working-background-to-underwriting-a-receivables-insurance-policy/) - The first course in the Receivables Insurance Association of Canada's (RIAC) Receivables Insurance Education Series (RI-01) provided a general overview of Receivables Insurance and its benefits as well as how to introduce this product to prospective customers. It also outlined the administrative relationships and processes arising from a Receivables insurance policy. This course (RI-02) will provide the seven step background to the mechanics of underwriting a Receivables Insurance policy. This course is accredited in QC, ON, MB, SK, AB, BC
- [RI-01: An Introduction to Trade Credit Insurance/Receivables Insurance](https://receivablesinsurancecanada.com/product/ri-01-an-introduction-to-receivables-insurance/) - An Introduction to Receivables Insurance is a five chapter course designed to explain what receivables insurance is and the many ways it can benefit a business. It will also outline how Receivables Insurance can fit into your portfolio of offerings to your insurance customers. The modules in this course will provide you with; an understanding of the components of a credit insurance policy the process of issuing a credit insurance policy the state of the credit insurance industry in Canada and globally how to sell credit insurance how to engage a credit insurance client This course is accredited in QC, ON, MB, SK, AB, BC
- [RI-05: The Export Advantage](https://receivablesinsurancecanada.com/product/ri-05-the-export-advantage/) - The purpose of this course is not to provide brokers with a comprehensive knowledge of how to become an exporter but rather to provide a precis of what their clients – exporters – will need to go through, or have already gone through, in order to export their goods and services. Although structured as a high-level overview, there are links within that will take the inquisitive to the nitty gritty of the subject matter in which they have taken an interest. The information and links in this course allow a broker to have intelligent discourse with an existing or aspiring exporter from an informed viewpoint. That discourse will include the opportunity for the broker to act on behalf of their client in lines of insurance that perhaps they had not yet considered, but do need, such as credit insurance. They can provide these lines, either directly or through a sub-broker arrangement. Importantly, with this knowledge, the errors and omissions risk faced for not having provided sufficient coverage to their clients is greatly reduced. This course is accredited in QC, ON, MB, SK, AB, BC

## Courses

- [RI-01: An Introduction to Trade Credit Insurance/Receivables Insurance ](https://receivablesinsurancecanada.com/courses/an-introduction-to-receivables-insurance-credit-insurance/) - An Introduction to Receivables Insurance is a five-chapter course designed to explain what receivables insurance is and the many ways it can benefit a business. It will also outline how Receivables Insurance can fit into your portfolio of offerings to your insurance customers. The modules in this course will provide you with: an understanding of
- [RI-02: A Working Background to Underwriting a Trade Credit Insurance Policy/Receivables Insurance Policy](https://receivablesinsurancecanada.com/courses/ri-02-a-working-background-to-underwriting-a-receivables-insurance-policy/) - An Overview The first course in the Receivables Insurance Association of Canada's (RIAC) Receivables Insurance Education Series (RI-01) provided a general overview of Receivables Insurance and its benefits as well as how to introduce this product to prospective customers. It also outlined the administrative relationships and processes arising from a Receivables insurance policy. This course
- [RI-03: Understanding Buyer Underwriting in a Trade Credit Insurance Policy/Receivables Insurance Policy](https://receivablesinsurancecanada.com/courses/ri-03-understanding-buyer-underwriting/) - Knowing the mechanics behind a receivables insurance policy enables an understanding of how to ensure an effective and economic program for your client. This course will outline the various types of credit limits and the factors that impact how they are determined.
- [RI-04: The Life Cycle of a Trade Credit Insurance Policy/Receivables Insurance Policy Claim](https://receivablesinsurancecanada.com/courses/ri-04-the-life-cycle-of-a-claim/) - Claims are the acid test for the effectiveness of an insurance policy. Although credit insurance brings several ancillary benefits such as improved financing, higher sales and vital credit/business information, the most important aspect is that the insurance respond when a bad debt occurs. In this module we shall examine the life cycle of a claim
- [RI-05: Trade Credit Insurance/Receivables Insurance – The Export Advantage](https://receivablesinsurancecanada.com/courses/ri-05-understanding-exporting/) - The purpose of this course is not to provide brokers with a comprehensive knowledge of how to become an exporter but rather to provide a precis of what their clients – exporters – will need to go through, or have already gone through, in order to export their goods and services. Although structured as a
- [RI-01 Testing this course](https://receivablesinsurancecanada.com/courses/test-certificate/) - TEst An Introduction to RI

## Lessons

- [Chapter 7: Export Plan Summary](https://receivablesinsurancecanada.com/lessons/chapter-7-partnerships/) - The following is a copy of what an export plan should include - as presented by the Trade Commissioner Service’s “Step-by-Step Guide to Exporting”. What Should be in an Export Plan At this point the decision to export has been made. Now, for actually exporting…. The First step is checking out and performing all necessary
- [Chapter 2: The Vernacular](https://receivablesinsurancecanada.com/lessons/a-an-introduction-to-underwriting-a-receivables-insurance-policy/) - Credit insurance has its own vernacular which is all based on credit insurance only being applied to trade receivables generated by business-to-business sales of goods or services. Common Terms Trade Accounts Receivable – Accounts receivable resulting from the policyholder’s ordinary course of business selling their produced goods, or services performed and not, for example, resulting
- [Chapter 3: Understanding Exporting and What is Involved](https://receivablesinsurancecanada.com/lessons/chapter-3-understanding-exporting-and-what-is-involved/) - Exporting requires planning and forethought. It also requires cash investment and patience. The successful exporter usually first establishes a domestic business base. This is necessary for a couple of reasons. The need for proof of concept If the domestic business is stable and profitable, the odds are much higher that there will be success and
- [Chapter 8: Pricing](https://receivablesinsurancecanada.com/lessons/chapter-8-pricing/) - In modern days pricing is decided by an algorithm. Information regarding the prospect and their business is input together with the preferences for cover as they pertain to the reasons that the receivables insurance policy is being purchased. The algorithm has numerous dimensions but payment terms, countries in which buyers are located, past bad debt
- [Chapter 7: Types of Credit Insurance Policies](https://receivablesinsurancecanada.com/lessons/chapter-7-types-of-credit-insurance-policies/) - The Policies There are numerous types of credit insurance policies. Some of the more common are: Risks Attaching vs Losses Occurring: as previously described. Whole turnover (annual sales): This covers all the sales of the insured and is the most common of policies. Whole turnover can also be defined or scoped as including just all
- [Chapter 6: A Dynamic Document](https://receivablesinsurancecanada.com/lessons/chapter-6-credit-insurance-policy-a-dynamic-document/) - A credit insurance policy is a dynamic document. This is because a business’ operations are constantly changing with new sales being made, new customers being acquired and collections occurring. It is essential that the policy be integrated into everyday business so that reporting and credit limits are maintained in the most current state possible. The
- [Chapter 5: The Premium](https://receivablesinsurancecanada.com/lessons/chapter-5-the-premium/) - There are 3 main methods by which premiums are calculated. One of the most common is to set a flat (universal) rate that is applied to the value of all sales made. The premium schedule will show the flat rate (e.g. .25%) which is multiplied by the value of all the sales covered under the
- [Chapter 4: The Components](https://receivablesinsurancecanada.com/lessons/chapter-4-the-components/) - A typical credit insurance policy has 4 major components: The Declaration Page This page contains the following pieces of information. The identity of the Insured- their legal name and trade names The Identity of the Broker of Record The Policy Period the date the insurance coverage is starts and ends. This effective period is generally
- [Chapter 3: The Application](https://receivablesinsurancecanada.com/lessons/chapter-3-the-application/) - The process of issuing a credit insurance policy starts with an application. The information in a completed application is then used by the underwriter to ascertain the risk and then set premium as well as policy parameters/restrictions. Complete and truthful information is essential so that all of the policyholder’s accounts receivable are covered to the
- [Chapter 1: An Introduction](https://receivablesinsurancecanada.com/lessons/chapter-1-an-introduction/) - Broadly speaking, credit insurance covers all of a company’s business-to-business trade accounts receivable against the risks identified in the policy. However, as with any line of insurance, the coverage is qualified to protect the insurer from entering situations where the claim is already a fait accompli (e.g. like a homeowner trying to purchase fire insurance
- [Chapter 5: Foreign Exchange Rate Fluctuation Risk](https://receivablesinsurancecanada.com/lessons/chapter-5-choosing-your-markets/) - When exporting, at some point customers in the foreign country will raise the subject of the currency of any transaction. Typically, the foreign buyer will want to use their currency because their income is usually in that currency. Consequently, they can use their cash flow from the onward sale of goods to pay the Canadian
- [Chapter 4: Choosing Your Markets](https://receivablesinsurancecanada.com/lessons/chapter-4-free-trade-agreements/) - In choosing the target market, the first consideration will be political, economic and cultural factors. If the exporter already has a credit insurance policy for their domestic business, they can tap into the insurer’s knowledge base for these details about foreign markets. Equally, Canada is fortunate in having the powerful Trade Commissioner Service. Their help
- [Chapter 2: The Role Receivables Insurance Plays In Exporting](https://receivablesinsurancecanada.com/lessons/chapter-2-the-role-receivables-insurance-plays-in-exporting/) - The Export Process Credit insurance is a vital tool for exporters, but as a broker, when you are explaining this, having knowledge of the export process is essential. Exporting is not an easy thing. Many unexpected restrictions and legal implications lurk in the weeds. From the RIAC perspective, credit insurance underwriters and specialist brokers contribute
- [Chapter 1:  What Exports Do for Canadian Businesses](https://receivablesinsurancecanada.com/lessons/chapter-1-exports-do-for-canadian-businesses/)
- [Chapter 7: Stage 7 - Recoveries](https://receivablesinsurancecanada.com/lessons/chapter-7-step-7-recoveries/) - Where Recoveries go after payment of the claim Although insurers tend to act federally, that is being licensed in all provinces and being regulated by the Office of the Superintendent of Financial Institutions, insurance law is actually provincial and does vary from province to province. Notwithstanding, laws with respect to credit insurance are not dissimilar
- [Chapter 5:  How to Engage with a Client](https://receivablesinsurancecanada.com/lessons/chapter-5-how-to-engage-a-client/) - Role of the Broker & How They Find Clients Because it is an insurance product, the sellers of credit insurance are often brokers (otherwise it is the insurers' agents). The advantage that brokers have over insurers’ agents is that brokers can select the insurance policy from a broad range of insurers. Because each insurer has
- [Chapter 2: The RI Policy Process](https://receivablesinsurancecanada.com/lessons/chapter-2-the-ri-policy-process/) - Chapter Overview: Details on how a credit insurance policy is underwritten, how it operates on a day-to-day basis and what happens when a claim occurs. You will gain an understanding of these areas: policy background, credit limits and claims.
- [Chapter 6: Partnerships](https://receivablesinsurancecanada.com/lessons/chapter-6-foreign-exchange-rate-fluctuation-risk/) - When a business starts exporting, it enters into the realm of globalization. While many entrepreneurs become successful because they develop a better mousetrap for which they have done everything themselves (design, production, marketing, packaging, selling, financing etc.), entering into the global market will mean that they likely will have to take on foreign partners in
- [Chapter 8: Other Insurance Concerns](https://receivablesinsurancecanada.com/lessons/chapter-8-export-plan-summary/) - Credit Insurance is important but for exporting so are other insurance lines. Cargo/Transportation Insurance Marine transportation insurance covers cargo shipped by air or by sea plus any connecting land transportation. It is a must-have because the carriers have limited liability when cargo is lost or damaged. As a rule of thumb, the cost of the
- [Chapter 6: Stage 6 - Receiving Payment](https://receivablesinsurancecanada.com/lessons/chapter-6-receiving-payment/) - How Long Does It Take? The length of time that it takes claims to be processed depends upon the type and complexity of the claim and the availability of documentation. However, once all of the documentation has been received by the insurer, most policies limit the amount of time to respond to the claim either
- [Chapter 5: Stage 5 - Making a Claim](https://receivablesinsurancecanada.com/lessons/chapter-5-step-5-making-a-claim/) - It's Time to Make a Claim Once the risk has been triggered, the policyholder will have to assemble the documentation required for the claim submission. The required documentation will depend upon the event that caused the bad debt loss. The Documentation The documentation required for a claim will probably include: Evidence supporting the decision as
- [Chapter 4: Stage 4 – Collection Activities & Processes](https://receivablesinsurancecanada.com/lessons/chapter-4-stage-4-things-are-going-south-with-the-buyer/) - Things are "Going South" with the Buyer? When things start getting “serious” with a buyer and reportable amounts owing extend beyond the grace period, the policyholder needs to focus on their collection activity. Client-controlled Credit Service Policies The policy will have been issued based on a set of credit and collection procedures outlined in the
- [Chapter 3: Stage 3 - A Slow Payment Occurs...Report, Report, Report](https://receivablesinsurancecanada.com/lessons/chapter-3-stage-3-slow-payment-occurs-report-report-report/) - What is and isn't Slow Payment When a receivable is not paid on time it potentially becomes a claimable event. These slow payments need to be reported to the insurer. However, it is necessary to understand the term “slow payment” and reportable amounts. In a contract of sale with the buyer there is always firm
- [Chapter 2: Stage 2 - Obtaining a Credit Limit](https://receivablesinsurancecanada.com/lessons/chapter-2-stage-2-obtaining-a-credit-limit/) - Cancellable or “comprehensive credit services” policies are issued by insurers that are more involved in the underwriting of individual buyers. Because of that involvement they must have very robust buyer creditworthiness monitoring. With this monitoring, they are able to stay on risk for a deteriorating buyer during the period when the buyer is trying to
- [Chapter 1: Stage 1 – Issuing the Policy](https://receivablesinsurancecanada.com/lessons/stage-1-issuing-the-policy/) - When a credit insurance policy is applied for, the policyholder describes their business to the insurer so that the risk can be assessed. This description includes identifying what goods or services are being sold, the terms of payment, and credit and collection procedures. These representations are key as the coverage under the policy will depend
- [Chapter 6: Credit Limit Conditionality](https://receivablesinsurancecanada.com/lessons/chapter-6-credit-limit-conditionality/) - A credit limit request might be approved for a buyer that is otherwise too risky or perhaps about which the buyer underwriter has some concerns, by making the credit limit subject to conditions. For example, the insurer may have information that a buyer is very slow in paying. In order to ensure that the shipments
- [Chapter 5: Decision Time](https://receivablesinsurancecanada.com/lessons/chapter-5-decision-time/) - Underwriters need to make decisions without asking for more information - if at all possible. Procrastinating on making a decision by continually asking for more information leads to dissatisfied policyholders and brokers. On the other side of the coin, if there is an overwhelming amount of information on a buyer, the buyer underwriter needs to
- [Chapter 4: Policyholder and Policy Considerations](https://receivablesinsurancecanada.com/lessons/chapter-4-policyholder-policy-considerations/) - As one may expect, the policyholder (claims record, premium paid, risk sharing) may also play a role in setting a credit limit when the decision is neither automatic nor straight forward. Some underwriters have the policy and buyer underwriting functions combined but, in those instances where they are separate, the two underwriters work closely together
- [Chapter 2: Automated Credit Limits](https://receivablesinsurancecanada.com/lessons/chapter-2-automated-credit-limits/) - The foregoing credit limit application details represent a fairly exhaustive list. However not all are necessarily required for each buyer. The reality is that computer algorithms and electronic interface greatly facilitate the credit limit request process. Requests for credit limits are most often made on-line although the availability of that convenience depends upon the insurer
- [Chapter 1: Types of Credit Limits](https://receivablesinsurancecanada.com/lessons/chapter-1-types-of-credit-limits/) - In the next module we will look closer at the discretionary credit limit.
- [Chapter 4: Selling Credit Insurance](https://receivablesinsurancecanada.com/lessons/chapter-4-selling-credit-insurance/) - This chapter explains how to relate the benefits of credit insurance to a prospect, how to deliver it and substitute products. Prior to starting, please listen to this podcast clip as a broker talks about real life in the Receivables Insurance world. The Benefits of Credit/Receivables Insurance There are four key benefits to having receivables
- [Chapter 3: The Receivables Insurance Industry Sector](https://receivablesinsurancecanada.com/lessons/chapter-3-the-receivables-insurance-industry-sector/) - Chapter Overview: This chapter provides background on what the credit insurance sector looks like in Canada and globally.
- [Chapter 1: Overview](https://receivablesinsurancecanada.com/lessons/chapter-1-overview/) - In this chapter there are four modules that will give you an understanding of what Receivables Insurance is and why it is a valuable tool for business. So what is Receivables Insurance? Receivables Insurance is also called Credit Insurance or Trade Credit Insurance and it protects businesses from buyers – in Canada or abroad –
- [Chapter 3: Reinsurance](https://receivablesinsurancecanada.com/lessons/chapter-4-reinsurance/) - Credit insurance companies not only sell credit insurance – they also buy it in the form of reinsurance. Reinsurers carefully monitor the results of the primary insurers. For client-controlled credit services policies, reinsurers rely on the primary insurer’s careful underwriting of the policyholder’s credit and collection procedures and on the risk sharing that the underwriter

## Topics

- [b) Receivables Insurance in Canada](https://receivablesinsurancecanada.com/topic/receivables-insurance-in-canada/) - The Receivables Insurance Association of Canada (RIAC) was established in 2012 to promote the business opportunity for receivables insurance to Canadian insurance brokers, the banking industry and businesses engaged in both domestic trade and exporting. Its members have included virtually all the Canadian Receivables Insurance Underwriters, the two largest brokers in Canada, other specialist brokers
- [b. Business Risks](https://receivablesinsurancecanada.com/topic/b-business-risks/) - What Could Go Wrong? Plenty! Buyer Insolvency There have been a remarkable number of headline insolvencies in the relatively recent past. A fast-changing digitizing and/or pandemic plagued economy has driven companies, once thought to be invincible, to seek protection under judicial bankruptcy provisions to restructure. Many of those have disappeared altogether. Classic retail examples in
- [c) ICISA - The International RIAC](https://receivablesinsurancecanada.com/topic/icisa-the-international-riac/) - ICISA (International Credit Insurance and Surety Association) is a well-established organization in Europe whose members include most of the major credit insurers in the world. Based on the statistics provided to them by their members, 2008 and 2009, the years of the Great Recession, were a couple of tough years for credit insurance. To put
- [a) Global History of Receivables Insurance](https://receivablesinsurancecanada.com/topic/global-history-of-receivables-insurance/) - Credit Insurance originated in Europe in the mid - 1800s reputedly through the British Commercial Insurance Company (founded in 1852) although there are claims that it existed before that in port cities where marine insurers covering shipwrecks expanded their coverage to include damage to merchandise and pirating - eventually offering payment guarantees for goods shipped.
- [d) Other Credit Insurance-like Products](https://receivablesinsurancecanada.com/topic/other-credit-insurance-like-products/) - Credit insurance is unique because of its flexibility and its benefits. Other products that a broker may be questioned about because they possess some of those attributes include factoring, invoice discounting and forfaiting. You have reached the end of this chapter and this course. Please click "mark complete" to go back to the course page
- [c) Wholesaling Credit Insurance](https://receivablesinsurancecanada.com/topic/wholesaling-credit-insurance/) - Credit insurance is quite a bit different from other property and casualty lines. It has yet to be embraced in the mainstream of insurance offerings and consequently languishes due to lack of awareness. The fact that its component parts are comprised of financial determinants can make it intimidating to some brokers who are not comfortable
- [b) How to Approach the Credit Insurance Subject](https://receivablesinsurancecanada.com/topic/how-to-approach-the-credit-insurance-subject/) - Credit Insurance is clearly not for everybody. Because it can only be applied to business-to-business trade receivables, companies operating as retailers (i.e. selling only to consumers) would not qualify. Once a prospect list has been sorted to eliminate those to which credit insurance does not apply, the next step would be to determine size of
- [a) Where to Find Credit Insurance Clients](https://receivablesinsurancecanada.com/topic/who-to-approach/) - The easiest place to start prospecting is in the broker’s own client database. These are warm leads and it’s quite likely some of those clients already have credit insurance, but the broker is not receiving a commission because they have purchased their credit insurance policy directly from the insurer or, even worse, from another broker.
- [d) Improve Sales](https://receivablesinsurancecanada.com/topic/improve-sales/) - The above video in black and white Customer Profile: ABC International Food Traders Incorporated (ABCIFT Inc.) has offices in Toronto and provides a marketplace for both buyers and sellers. In addition to market maker services, ABCIFT Inc. also provides logistics and intelligence to its clients. Business Situation: ABCIFT Inc. is looking to expand their business
- [c) Support Credit Management](https://receivablesinsurancecanada.com/topic/support-credit-management/) - The above credit management example in black & white: Company: Manufacturer Situation: A growing company was experiencing tremendous sales opportunities, domestically and abroad. However, they needed assistance in determining whom to sell to and whom to avoid. The Manufacturer could not afford to risk valuable working capital selling to financially unstable accounts. Operating Facts:
- [b) Improve Cash Flow](https://receivablesinsurancecanada.com/topic/improve-cash-flow/) - Since a working capital loan is largely secured by accounts receivable acting as collateral, a bank will have to assess the value of that asset in order to determine how much money it can lend. If there is a credit insurance policy in place, the overall value of the accounts receivable as collateral increases because
- [a) Reduce Financial Risk](https://receivablesinsurancecanada.com/topic/a-benefits-of-ri/) - Bad Debt Loss Example in black & white Company: Wayne's Wheels Operating Facts: Annual Sales: $50 millionGross Margin: 10%Net Margin:
- [d) Reinsurance & OSFI-Protection for Policy Holders](https://receivablesinsurancecanada.com/topic/reinsurance-osfi-protection-for-policy-holders/) - Credit insurers not only sell credit insurance, they also buy it … in the form of reinsurance. While each insurer’s needs are different and hence the structures of each reinsurance program are different, the fact is that credit insurers protect themselves from unexpected and severe downturns. The reasons that most credit insurers have locations around
- [i) Claims: Key Documents Required & What Happens After a Claim is Submitted](https://receivablesinsurancecanada.com/topic/claims-key-documents-required-what-happens-after-a-claim-is-submitted/) - The documentation required for a claim will depend upon the event that caused the bad debt loss. The following describes the types of documents that may be asked for: Evidence of debt. This can include invoices, drafts, bills of lading, contracts of sale, promissory notes and acceptance of debt by the receiver or trustee in
- [h) Claims: Key Points to Insure Claims are Admissible](https://receivablesinsurancecanada.com/topic/claims-key-points-to-insure-claims-are-admissible/) - Trade Credit Insurers expect to pay claims. Their underwriting operations focus not on how to prevent claims, but rather on how to prevent them from becoming excessive. When a receivable is not paid on time it potentially becomes a claimable event. The word “potential” conjures up visions of the “fine print” that mythology would tell
- [g) Credit Limit/Buyer Monitoring](https://receivablesinsurancecanada.com/topic/credit-limit-buyer-monitoring/) - Buyers are usually scheduled to be reassessed on a regular basis to determine the adequacy of the automatic approval amount and the maximum credit exposure amount. For example: An insurer with a growing portfolio of policyholders who operate in a certain industrial sector may suddenly see a rise in credit limit requests for several buyers.
- [f) Types of Credit Limits & What is Needed to Obtain One](https://receivablesinsurancecanada.com/topic/types-of-credit-limits-what-is-needed-to-obtain-one/) - Credit insurance policies limit the amount that is paid out under any one buyer through credit limits. Generally, there are 2 types of credit limits under both cancellable and non-cancellable policies – the discretionary credit limit, the amount of which is usually contained in the declarations page, and a written credit limit which is usually
- [e) Types of Credit Insurance Policies](https://receivablesinsurancecanada.com/topic/types-of-credit-insurance-policies/) - There are numerous types of credit insurance policies. Some of the more common are: Whole Turnover This covers all the sales of the insured and is the most common of policies. Whole turnover can also be defined as including all of one segment of a company’s business such as just all export sales, just all
- [c) How Premiums are Calculated](https://receivablesinsurancecanada.com/topic/how-premiums-are-calculated/) - There are three main methods by which premiums are calculated. One of the most common is to set a flat rate that is applied to the value of the sales made. The premium schedule will show the flat rate which is multiplied by the value of the sales covered. For example: If the sales are
- [b) Issuing a Credit Insurance Policy & the Policy Components](https://receivablesinsurancecanada.com/topic/components-of-a-credit-insurance-policy/) - Broadly speaking, credit insurance covers all of a company’s business-to-business trade accounts receivable against the risks identified in the policy. However, as with any line of insurance, the coverage is qualified to protect the insurer from entering situations where the claim is already a fait accompli (e.g. like a homeowner trying to purchase fire insurance
- [a) The Credit Insurance Policy & Its Terminology](https://receivablesinsurancecanada.com/topic/policy-terminology/) - In this chapter, after explaining some of the terminology, we focus on what the policy looks like and how it works. Some Definitions Credit insurance has its own vernacular which is all based on credit insurance only being applied to trade receivables generated by business-to-business sales of goods or services. Here are some definitions. Trade
- [d. The Gap in Insurance Coverage](https://receivablesinsurancecanada.com/topic/d-the-gap-in-insurance-coverage/) - Why THE GAP? Because businesses simply are not aware of this vital insurance. If you have completed all modules in this chapter you can now complete the quiz. Click the "back to chapter" link below to access the quiz at the bottom of that page. Once all modules and the quiz are completed you can
- [c. What R.I. Doesn’t Cover](https://receivablesinsurancecanada.com/topic/c-what-ri-doesnt-cover/) - Credit insurance is not a panacea for all receivables To get a better understanding of what Receivables Insurance doesn't cover let's look a this example. What Receivables Insurance does and doesn't cover and why? You decide to lend $50 to your colleague and they don't have to repay you for three years. You now have
- [a) Why Insure Receivables?](https://receivablesinsurancecanada.com/topic/a-why-insure-receivables-2/)
- [a) Buyer Underwriting](https://receivablesinsurancecanada.com/topic/a-buyer-underwriting/) - The factors that may come under consideration in Buyer Underwriting Wouldn’t it be wonderful have all buyers’ full financial statements, business plans, and trading experience together with economic reports and projections for the buyer’s country? This is definitely not the reality. The actual analysis of credit (buyer underwriting) is quite a science. As is explained
- [b) Country and Sector Information](https://receivablesinsurancecanada.com/topic/b-country-and-sector-information/) - Generally underwriters look first at the country of the buyer, then the industrial sector and finally, the buyer itself. The Country The country considerations are many and varied. Underwriters need to have an intimate knowledge of local customs, economic conditions, laws and political/social circumstances. Underwriters who have locations close to or in the country of
- [c) Buyer Background Information](https://receivablesinsurancecanada.com/topic/c-buyer-background-information/) - In order to analyze a company, a credit insurer must first establish the proper legal name of the company and its address (which, among other things, prevents duplication within their databases). This is done either directly through a government run registry of companies or through third party confirmation. As an example of third party confirmation,
- [d) A Credit Limit Analysis in the Case of a Group of Companies](https://receivablesinsurancecanada.com/topic/d-a-credit-limit-analysis-in-the-case-of-a-group-of-companies/) - The larger the amount of the maximum credit exposure to an insurer the greater the amount of analysis required, keeping in mind that credit limits on the same buyer can be issued to different policyholders in numerous countries. To add true life complexity to this, a buyer may be a subsidiary of a larger company
- [e) Buyer Financial Information](https://receivablesinsurancecanada.com/topic/e-buyer-financial-information/) - Financial statement analysis is a science unto itself. Assessing asset value, cash flow (cash cycle, working capital cycle), liability threats, profitability, equity movements (dividends) and off-balance sheet liabilities and assets (e.g. an asset that has been devalued through depreciation but still has significant actual value for resale) plus the wealth of information in the financial
- [f) Buyer Analysis Tools](https://receivablesinsurancecanada.com/topic/f-buyer-analysis-tools/) - Peer group comparison is a very useful buyer underwriting tool. If this comparison reveals management decisions that seem out of whack with what the rest of the industry is doing, it may indicate desperate measures due to poor results. Similarly, comparing financial structure and managerial strategies can point to winners and losers in a sector.
- [b) Applications for Credit Limits in Excess of the Discretionary Credit Limit](https://receivablesinsurancecanada.com/topic/b-applications-for-credit-limits-in-excess-of-the-discretionary-credit-limit/) - When the amount of credit limit required for a buyer is greater than the discretionary credit limit, it will be necessary to approach the insurer to approve the larger credit limit in order to have full coverage under the policy. The ideal information for each credit limit application would include: The full name and address
- [a) The Discretionary Credit Limit](https://receivablesinsurancecanada.com/topic/b-the-discretionary-credit-limit/) - The determination of the size of the Discretionary Credit Limit is heavily influenced by whether the credit insurance policy is “comprehensive credit services” or “client-controlled credit services”. The comprehensive credit services policies are dynamic in nature and have relatively low discretionary credit limits, low risk sharing (for example, the policyholder does not take as much
- [d) The Dynamic Aspects of a Credit Insurance Policy's Credit Limits, Reporting & Claims](https://receivablesinsurancecanada.com/topic/the-dynamic-aspects-of-a-credit-insurance-policy-credit-limits-reporting-claims/) - A credit insurance policy is a living and often changing document. This is because a business’ operations are constantly changing with new sales being made, new customers being acquired and collections occurring. It is essential that the policy be integrated into the policyholder's everyday business so that reporting and credit limits are maintained in a
- [Module](https://receivablesinsurancecanada.com/topic/module/)

## Quizzes

- [3 Hours Technical](https://receivablesinsurancecanada.com/quizzes/quiz/)
- [Testing certificate](https://receivablesinsurancecanada.com/quizzes/testing-certificate/)
- [RI-03 Understanding Buyer Underwriting](https://receivablesinsurancecanada.com/quizzes/ri-03-quiz/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [RI-02: A Working Background to Underwriting a Receivables Insurance Policy](https://receivablesinsurancecanada.com/quizzes/ri-02-quiz-chapters-4-8/) - RI-02 Quiz: Chapters 4-8 To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [Quiz: RI-01 Chapter 5](https://receivablesinsurancecanada.com/quizzes/quiz-ri-01-chapter-5/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [RI-04 The Life Cycle of a Claim](https://receivablesinsurancecanada.com/quizzes/ri-04-quiz/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [RI-05: The Export Advantage](https://receivablesinsurancecanada.com/quizzes/ri-05-the-export-advantage/)
- [RI-02 Quiz: Chapters 1-3](https://receivablesinsurancecanada.com/quizzes/ri-02-quiz/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [Quiz: RI-01 Chapter 1](https://receivablesinsurancecanada.com/quizzes/chapter-1/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [Quiz: RI-01 Chapter 2](https://receivablesinsurancecanada.com/quizzes/quiz-ri-01-chapter-2/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [Quiz: RI-01 Chapter 3](https://receivablesinsurancecanada.com/quizzes/quiz-ri-01-chapter-3/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.
- [Quiz: RI-01 Chapter 4](https://receivablesinsurancecanada.com/quizzes/quiz-ri-01-chapter-4/) - To review your answers and understand the reasoning behind any incorrect answers please click the View Questions button at the end of the quiz.

## Certificates

- [Quebec RI-01 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-01-quebec-certificate-of-completion/) - N° certificat AMF : a assisté à l’activité de formation continue N° de reconnaissance de la ChAD : AFC12367
- [RI-05 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-05-certificate-of-completion/) - CIPR # successfully completed the online course
- [RI-04 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-04-certificate-of-completion/) - CIPR # successfully completed the online course
- [RI-03 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-03-certificate-of-completion/) - CIPR # successfully completed the online course
- [RI-02 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-02-certificate-of-completion-2/) - CIPR # successfully completed the online course
- [RI-01 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-01-certificate-of-completion/) - CIPR # successfully completed the online course
- [Alberta RI-01 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-01-alberta-certificate-of-completion/) - CIPR # successfully completed the online course
- [Alberta RI-02 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-02-alberta-certificate-of-completion/) - CIPR # successfully completed the online course
- [Alberta RI-03 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-03-alberta-certificate-of-completion/) - CIPR # successfully completed the online course
- [Alberta RI-04 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-04-alberta-certificate-of-completion/) - CIPR # successfully completed the online course
- [Alberta RI-05 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-05-alberta-certificate-of-completion/) - CIPR # successfully completed the online course
- [Manitoba RI-01 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-01-manitoba-certificate-of-completion/) - CIPR # successfully completed the online course
- [Manitoba RI-02 Certification of Completion](https://receivablesinsurancecanada.com/certificates/ri-02-manitoba-certification-of-completion/) - CIPR # successfully completed the online course
- [Manitoba RI-03 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-03-manitoba-certificate-of-completion/) - CIPR # successfully completed the online course
- [Manitoba RI-04 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-04-manitoba-certificate-of-completion/) - CIPR # successfully completed the online course
- [Manitoba: RI-05 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/ri-05-manitoba-certificate-of-completion/) - CIPR # successfully completed the online course
- [Quebec RI-02 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/quebec-ri-02-certificate-of-completion/) - N° certificat AMF : a assisté à l’activité de formation continue N° de reconnaissance de la ChAD : AFC12470
- [Quebec RI-03 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/quebec-ri-03-certificate-of-completion/) - N° certificat AMF : a assisté à l’activité de formation continue N° de reconnaissance de la ChAD : AFC12472
- [Quebec RI-04 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/quebec-ri-04-certificate-of-completion/) - N° certificat AMF : a assisté à l’activité de formation continue N° de reconnaissance de la ChAD : AFC12473
- [Quebec RI-05 Certificate of Completion](https://receivablesinsurancecanada.com/certificates/quebec-ri-05-certificate-of-completion/) - N° certificat AMF : a assisté à l’activité de formation continue N° de reconnaissance de la ChAD : AFC12474
- [With CIPR original code provided by LearnDash](https://receivablesinsurancecanada.com/certificates/with-cipr/) - CIPR # successfully completed

## Portfolio Items

- [Plans 4U](https://receivablesinsurancecanada.com/portfolio/plans-4u/)
- [Luxury Villa](https://receivablesinsurancecanada.com/portfolio/luxury-villa/) - Luxury Villa Malis libris invidunt an qui. Petentium ullamcorper ne pri. Mei justo voluptua an, ea simul saepe repudiare qui. Sed ei animal incorrupte, vix nemore scribentur et. Mea et efficiantur mediocritatem, mei ne erant aliquam. Debitis ceteros comprehensam ius ex. Inimicus elaboraret conclusionemque ei ius, nam no dolor vitae accusam. Learn More
- [Interior Design](https://receivablesinsurancecanada.com/portfolio/interior-design/) - A The art and science Cu zril fierent eum. Cu reprimique instructior eum, quo ad utamur tibique menandri. Ne iudico dolorem vituperatoribus vix, fuisset copiosae expetendis quo in. Vel te epicuri sensibus comprehensam, solet putent prodesset est ne. Mucius accumsan prodesset vim cu, placerat rationibus mei ea. Te vis consul graeco utamur, copiosae efficiantur ex
- [Modern Attic Interior](https://receivablesinsurancecanada.com/portfolio/modern-attic-interior/) - Furniture Design Eos in dicant ubique. Ne elitr labitur usu, ex usu aliquid elaboraret, has justo deleniti ut. Modus praesent suavitate no sed, reque doming id duo. An facete disputando cum. No justo iriure patrioque quo, diam prompta ea eum. Debitis ceteros comprehensam ius ex. Inimicus elaboraret conclusionemque ei ius, nam no dolor vitae accusam.
- [Lighting Design](https://receivablesinsurancecanada.com/portfolio/lighting-design/) - Lighting Design Cu zril fierent eum. Cu reprimique instructior eum, quo ad utamur tibique menandri. Ne iudico dolorem vituperatoribus vix, fuisset copiosae expetendis quo in. Vel te epicuri sensibus comprehensam, solet putent prodesset est ne. Mucius accumsan prodesset vim cu, placerat rationibus mei ea. Te vis consul graeco utamur, copiosae efficiantur ex ius. Id sed
- [Imperial Apartments](https://receivablesinsurancecanada.com/portfolio/imperial-apartments/)
- [Sitting Room](https://receivablesinsurancecanada.com/portfolio/sitting-room/) - Ea aliquid legendos neglegentur pro. Habemus denique intellegebat vix ex, alia esse eius per no, sed ex quis option iuvaret. Ne minim accumsan nec, nusquam ocurreret an ius. Te duo singulis signiferumque. Mea nullam utamur propriae in, ad deseruisse consequuntur nec, has aeterno electram ad. Mea sale natum senserit in. Quo no laboramus forensibus assueverit,
- [Stylish House](https://receivablesinsurancecanada.com/portfolio/stylish-house/)
- [Vintage Restaurant](https://receivablesinsurancecanada.com/portfolio/vintage-restaurant/) - Est ad quidam partiendo inciderint, no postulant evertitur dissentiunt sed. An mea debet commune adipisci, soluta necessitatibus ea per. Dolores elaboraret est ad, quando dissentiunt te eum, mel ei dicit indoctum. Sale corrumpit ad qui, duo debitis epicuri aliquando at. Sed ut debet oportere cotidieque, id scripta intellegebat vis. No sea mandamus deseruisse. Quo ex autem

## Testimonial Items

- [Testimonial Third](https://receivablesinsurancecanada.com/testimonial/testimonial-third/) - Web design encompasses many different skills and disciplines in the production and maintenance of websites.
- [Testimonial Second](https://receivablesinsurancecanada.com/testimonial/testimonial-second/) - We build frameworks that respect your time and money, so we bring Engic, a premium WordPress theme for architects.
- [Testimonial First](https://receivablesinsurancecanada.com/testimonial/testimonial-first/) - The Engic Generation of handcrafted themes is here. In a marketplace volatile and full of sharks you need to build confident and future-proof themes.

## Episode

- [Arming Against the Unseen: Cyber Security in 2026](https://receivablesinsurancecanada.com/podcast/arming-against-the-unseen-cyber-security-in-2026/) - Escalating cyber attacks are reflecting the increasing volatility of the global environment and according to the World Economic Forum, AI is anticipated to be the most significant driver of change in cybersecurity in 2026. Any entity operating online is at risk of a malicious attack and constant vigilance is required to mitigate that risk. In
- [Going Global with Confidence](https://receivablesinsurancecanada.com/podcast/going-global-with-confidence/) - How do Canadian businesses Go Global with Confidence as they seek new business in unfamiliar markets? A receivables insurance policy helps you trade securely but mastering the balancing act of extending credit and collecting payment is essential. Hanif Patel is a credit and collections expert with over 30 years of experience in the industry. In
- [Canadian Trade & Budget 2025](https://receivablesinsurancecanada.com/podcast/canadian-trade-budget-2025/) - On this episode of the TradeSecurely podcast we look at the shift in Canada’s trade strategy that comes with the 2025 Federal Budget. In particular, we look at Section 2.2 which is part of Chapter 2 of the budget - "Shifting from reliance to resilience". Our guest, Jordan Mofford, a Credit Analyst Manager for Coface
- [Episode 22: The Navigator](https://receivablesinsurancecanada.com/podcast/episode-22-the-navigator/) - “To expect the unexpected shows a thoroughly modern intellect.” - Oscar Wild Those in business know that the unexpected does happen and having a team of advisors and supporters to help you through the challenges is a wise idea. On the TradeSecurely podcast we help Canadian businesses succeed and grow by sharing ideas to help
- [Episode #33: Driving Opportunities | Mitigating Risk in the Automotive Supply Chain](https://receivablesinsurancecanada.com/podcast/episode-33-driving-opportunities-mitigating-risk/) - USE CASES FOR TRADE CREDIT INSURANCE Listen
- [Data Over Doubt: Make Smarter Customer Credit Decisions](https://receivablesinsurancecanada.com/podcast/data-over-doubt/) - This decade has been a real challenge for global business. It began in a normally enough but quickly turned when the COVID-19 pandemic kicked off in March 2020, the lockdown began, and business screeched to a halt. A recession arrived, stock markets crashed, supply chains were disrupted, and we’ve been riding the rollercoaster of uncertainty
- [Where Credit Managers Fear to Tread](https://receivablesinsurancecanada.com/podcast/where-credit-managers-fear-to-tread/)
- [Trade Credit & the Energy Sector](https://receivablesinsurancecanada.com/podcast/trade-credit-the-energy-sector/) - Understand the current state of the energy market, how energy sector companies can use Receivables Insurance /Trade Credit to do more than just manage risk.
- [Episode 1: The Sears Bankruptcy - Stories From the Trenches](https://receivablesinsurancecanada.com/podcast/episode-1-the-sears-bankruptcy-stories-from-the-trenches/) - The Sears bankruptcy loomed for 3 years and for Canadian suppliers of this giant retailer it was a period of extended uncertainty. Some were able to thrive and some, not so much. This week on our show David Dienesch, a member of RIAC and CEO at Euler Hermes Canada explains how companies navigated the last three years.
- [Coming UP on TradeSecurely](https://receivablesinsurancecanada.com/podcast/promo-episode-1/) - The Sears bankruptcy loomed for 3 years. For Canadian suppliers of this giant retailer it was 3 years of uncertainty. Do you maintain a relationship with a once strong, large customer in hopes they can make a turnaround or do you end the relationship knowing you may not get back in their stores with your products when the recovery happens? Tough call. Suppliers who had Receivables Insurance coverage had more options. David Dienesch, CEO at Euler Hermes Canada explains how they were able to navigate the last three years.
- [Promo Episode 2: Developing a Generalist & Specialist Broker Partnership - How & Why](https://receivablesinsurancecanada.com/podcast/promo-episode-2-developing-a-generalist-specialist-broker-partnership-how-why/) - Coming up this week on the TradeSecurely podcast a look how engaging with a specialist broker for Receivables Insurance can provide ongoing support and expertise that benefits both the generalist broker and their clients. Janet's guest is John Middleton, President of Global Credit Risk Management. Full show Friday.
- [Episode 2: Developing a Generalist & Specialist Broker Partnership - How & Why](https://receivablesinsurancecanada.com/podcast/episode-2-developing-a-generalist-specialist-broker-partnership-how-why/) - This week on the TradeSecurely podcast a look how engaging with a specialist broker for Receivables Insurance can provide ongoing support and expertise that benefits both the generalist broker and their clients. Janet's guest is John Middleton, President of Global Credit Risk Management.
- [Promo Episode 3: What Should Be In the Credit Manager's Toolkit](https://receivablesinsurancecanada.com/podcast/promo-episode-3-what-should-be-in-the-credit-managers-toolkit/) - Coming up this week on the TradeSecurely podcast a look at the challenges credit managers face when trying to mitigate risk and some lessons learned 10 years after the financial crisis. Janet’s guests are former credit manager Abraham Katan who is now the Trade Credit Practice Leader at Aon Risk Solutions and David Cooke who
- [Episode 3: What Should Be In the Credit Manager's Toolkit](https://receivablesinsurancecanada.com/podcast/what-should-be-in-the-credit-managers-toolkit/) - Credit managers face a number of challenges when trying to mitigate risk as they oversee the entire credit granting process. How do you ensure the credit and collection policy protects your business? It can't be too restrictive as it must facilitate sales and growth. This week on the TradeSecurely podcast Janet’s guests are former credit manager Abraham Katan who is now the Trade Credit Practice Leader at Aon Risk Solutions and David Cooke who is a Broker at Aon Risk Solutions, Credit Solutions. Both share a wealth of knowledge from the frontlines and talk about some lessons learned 10 years after the financial crisis.
- [Promo: Episode 4: What the Heck is Receivables Insurance Anyway?](https://receivablesinsurancecanada.com/podcast/promo-episode-4-what-the-heck-is-receivables-insurance-anyway/) - It's Receivables Insurance 101 this week on the TradeSecurely podcast! Brad Hebert, Head of Trade Credit North America at AIG gives an overview of the basics of receivables insurance for the curious and uninitiated and explains that it is for more than just risk mitigation. Full show coming Friday!
- [Episode 4: What the Heck is Receivables Insurance Anyway?](https://receivablesinsurancecanada.com/podcast/episode-4-what-the-heck-is-receivables-insurance-anyway/) - It's Receivables Insurance 101 this week on the TradeSecurely podcast! Brad Hebert, Head of Trade Credit North America at AIG gives an overview of the basics of receivables insurance for the curious and uninitiated and explains that it is for more than just risk mitigation. Learn how you can cover your assets.
- [Preview: Episode 5 - How the Receivables Insurance Policy Process Works](https://receivablesinsurancecanada.com/podcast/preview-episode-5-how-the-receivables-insurance-policy-process-works/) - Coming up this week on the TradeSecurely podcast we walk through the receivables insurance policy process with Mark Hall, Associate Broker at Dan Lawrie Insurance. He has seen receivables insurance from both sides, as a buyer and a broker. He explains why he went from a credit manager to a Credit Insurance Specialist and he
- [Episode 5: How the Receivables Insurance Policy Process Works](https://receivablesinsurancecanada.com/podcast/episode-5-how-the-receivables-insurance-policy-process-works/) - On this episode of the TradeSecurely podcast we walk through the receivables insurance policy process with Mark Hall, Associate Broker at Lawrie Insurance Group. He has seen receivables insurance from both sides, as a buyer and a broker. He explains why, almost 20 years ago, he went from a credit manager to a Credit Insurance
- [Promo Episode 6: Managing Your Cyber Risk with Receivables Insurance](https://receivablesinsurancecanada.com/podcast/promo-episode-6-cyber-security-receivables-insurance/) - Cyber security breaches are a growing concern for business owners and statistics show a typical firm experiences 130 breaches a year. If a cyber breach hit your customer could they pay you for the goods and services you've provided? On the next edition of the TradeSecurely podcast Kent Paisley, Vice President, Accounts Receivables Insurance at Allied World discusses how to protect against this risk with Receivables Insurance.
- [Episode 6: Managing Your Cyber Risk with Receivables Insurance](https://receivablesinsurancecanada.com/podcast/episode-6/) - Cyber security breaches are a growing concern for business owners and statistics show a typical firm experiences 130 breaches a year. Perhaps you have your business protected from such a breach but what about your customer? If a cyber breach impacts their business, and they can't pay your invoice, are you protected? Kent Paisley, Vice President, Accounts Receivables Insurance at Allied World discusses how to protect against this risk on this edition of the TradeSecurely podcast
- [Promo 7: Receivables Insurance for Business Growth](https://receivablesinsurancecanada.com/podcast/promo-7/) - There are a number of ways Receivables Insurance can help you with your business and on the next TradeSecurely podcast credit insurance specialist Cory Breed of Magnes Group shares how his clients are using receivables insurance and how it has helped them out of some tight spots. Cory provides a perspective on receivables insurance that is influenced from both his time as an agent and as a broker. Listen to the full show coming April 15.
- [Episode 7: Receivables Insurance for Business Growth](https://receivablesinsurancecanada.com/podcast/episode-7-receivables-insurance-for-business-growth/) - There are a number of ways Receivables Insurance can help you with your business. On this episode of the TradeSecurely podcast credit insurance specialist Cory Breed of Magnes Group shares how his clients are using receivables insurance and how it has helped them out of some tight spots. Cory provides a perspective on receivables insurance that is influenced from both his time as an agent and as a broker. Listen to the full show now.
- [Promo Episode 8: How to Do the Math on the Value of Coverage Provided by Your Policy](https://receivablesinsurancecanada.com/podcast/promo-episode-8-how-to-do-the-math-on-the-value-of-coverage-provided-by-your-policy/) - The Economic Policy Institute released a report in April indicating that there is a real possibility that the U.S. economy could slip into a recession sometime in the next 18 months. As a business leader do you have your assets covered? On the next episode of the Trade Securely podcast Ryan Cummings Head of Short
- [Episode 8: How to Do the Math on the Value of Coverage Provided by Your Policy](https://receivablesinsurancecanada.com/podcast/episode-8-how-to-do-the-math-on-the-value-of-coverage-provided-by-your-policy/) - The Economic Policy Institute released a report in April indicating that there is a real possibility that the U.S. economy could slip into a recession sometime in the next 18 months. As a business leader do you have your assets covered? On this episode of the Trade Securely podcast Ryan Cummings Head of Short Term
- [Promo #9: Protecting Your Company Receivables from an Economic Slowdown](https://receivablesinsurancecanada.com/podcast/promo-9-protecting-your-company-receivables-from-an-economic-slowdown/) - Some economists think that a recession is a distinct possibility in 2019...not a deep recession but the Canadian economy could slip for a few quarters. Coming up on the TradeSecurely podcast some insights on how to protect your business from this uncertainty with Mark Jomaa of Coface.
- [Episode 9: Protecting Your Company Receivables from an Economic Slowdown](https://receivablesinsurancecanada.com/podcast/episode-9-protecting-your-company-receivables-from-an-economic-slowdown/) - There have been rumblings from various quarters that we are in for an economic slowdown in the coming months. On this episode of the TradeSecurely podcast Mark Jomaa Chief Sales Officer at Coface talks about how this is likely to impact the credit insurance market and he offers some insights on how to protect your business from this uncertainty.
- [Promo 10: Understanding Payment Terms & How They Relate to Trade Documents](https://receivablesinsurancecanada.com/podcast/promo-10-understanding-payment-terms-how-they-relate-to-trade-documents/) - When purchasing receivables insurance it’s important to understand the various payment terms and how they relate to documents, such as invoices, so your credit insurance policy works for your business.
- [Promo 11: An Economic Outlook for North America](https://receivablesinsurancecanada.com/podcast/promo-11-an-economic-outlook-for-north-america/) - A look at the Canadian and global economies and what trade wars, interest rates and a possible recession could mean for the coming months.
- [Episode 11: An Economic Outlook for North America](https://receivablesinsurancecanada.com/podcast/episode-11-an-economic-outlook-for-north-america/) - If you have been listening to the news over the last few months you have no doubt heard rumblings of a recession and other economic challenges. On this episode of the TradeSecurely podcast we get an overview of the economy thus far in 2019 and an overview of what could be on the horizon with
- [Promo Episode 12: Uncertainty is the New Normal](https://receivablesinsurancecanada.com/podcast/promo-episode-12-uncertainty-is-the-new-normal/) - Escalating trade troubles, recession talk, Brexit and elections and what is all could mean for Canadian Business this month on TradeSecurely
- [Episode #12: Uncertainty is the New Normal](https://receivablesinsurancecanada.com/podcast/episode-12-uncertainty-is-the-new-normal/) - Right now it seems economic uncertainty is the new normal. On this episode of the TradeSecurely podcast Janet Eastman is joined by Chris Short the Country Manager for Atradius Canada for his thoughts and observations on what he and his clients are seeing in the current economic climate.
- [Promo Episode #13: Business Practices to Watch Out for in Uncertain Times](https://receivablesinsurancecanada.com/podcast/promo-episode-13-business-practices-to-watch-out-for-in-uncertain-times/) - Business practices to watch out for when the economy is going through challenging times on this upcoming episode of the TradeSecurely podcast.
- [Episode 13: Business Practices to Watch Out for in Uncertain Times](https://receivablesinsurancecanada.com/podcast/episode-13-business-practices-to-watch-out-for-in-uncertain-times/) - Michelle Davy has been a credit manager, an underwriter, and for the last 20 years the president of her own brokerage CreditAssur. She has seen, from various vantage points, the impact challenging times can have on business and she shares some business practices she has encountered throughout her career on this episode of the TradeSecurely podcast.
- [Promo Episode 14: Cyber Extortion - A Growing Business Threat](https://receivablesinsurancecanada.com/podcast/promo-episode-14-cyber-extortion-a-growing-business-threat/) - Cyber extortion has become one of the most significant exposures for most organizations. What is it, what it looks like and how Canadian businesses can protect themselves - this month on TradeSecurely.
- [Episode 14: Cyber Extortion - A Growing Business Threat](https://receivablesinsurancecanada.com/podcast/episode-14-cyber-extortion-a-growing-business-threat/) - This month on the TradeSecurely podcast Cassandra Long, Associate Broker, Cyber and Privacy at Aon discusses what cyber extortion is, what it looks like, what it can cost and how to protect your business.
- [Promo Episode 15: Entering the Export Market with Confidence](https://receivablesinsurancecanada.com/podcast/promo-episode-15-entering-the-export-market-with-confidence/) - Credit Insurance Specialist Mark Hall explains how Canadian businesses can use receivables insurance to gain insight on the credit worthiness of their potential customers in other countries.
- [Episode 15: Entering the Export Market with Confidence](https://receivablesinsurancecanada.com/podcast/episode-15-entering-the-export-market-with-confidence/) - Entering new foreign markets brings in new challenges and a wealth of unknowns. On this episode of the TradeSecurely podcast credit insurance specialist Mark Hall discusses how to gain insight on the credit worthiness of potential customers in other countries.
- [Promo Episode 16: Preparing for & Financing Your Export Venture](https://receivablesinsurancecanada.com/podcast/promo-episode-16-preparing-for-financing-your-export-venture/) - If you are considering a move into exports this year there are a number of things to consider and investigate. This month on TradeSecurely we look at how to get started down the exporting path and how to finance your export venture. Full show coming January 15.
- [Episode 16: Exporting - How to Prepare and Finance Your Expansion Venture](https://receivablesinsurancecanada.com/podcast/episode-16-exporting-how-to-prepare-and-financing-your-expansion-venture/) - $19 Trillion US was the total of world merchandise exports in 2018 and Canada played a big role ranking #13 on the list of largest merchandise exporters. If you are considering a move into exports this year there are a number of things to consider and investigate. John Middleton, President of GCRM will outline how to get started down the exporting path and how to finance your export venture.
- [Promo 17: Patient, Minority Growth Capital for Canadian Companies](https://receivablesinsurancecanada.com/podcast/promo-17-patient-minority-growth-capital-for-canadian-companies/) - In the past Canadian entrepreneurs have found it hard to find the necessary capital to fund growth while still maintaining control of their company. Now there is a Canadian fund that can support them. This month on TradeSecurely Janet Eastman talks to Karoline Elkind, the CFO of the Canadian Business Growth Fund about the fund
- [Episode 17: Patient, Minority Growth Capital for Canadian Companies](https://receivablesinsurancecanada.com/podcast/episode-17-patient-minority-growth-capital-for-canadian-business/) - This month on the TradeSecurely podcast Janet Eastman talks to Karoline Elkind, the CFO of the Canadian Business Growth Fund (CBGF), an evergreen fund with capital commitments of up to $1B for investment in Canadian companies.
- [Promo 18: The Evolving Economic Impact of COVID-19](https://receivablesinsurancecanada.com/podcast/promo-18-the-evolving-economic-impact-of-covid-19/) - March 26, 2020 - Ruben Nizard, Coface economist for the North America region provides an economic overview of the impact of COVID-19 on TradeSecurely.
- [Episode 18: The Evolving Economic Impact of COVID-19](https://receivablesinsurancecanada.com/podcast/episode-18-the-evolving-economic-impact-of-covid-19/) - March 26, 2020 - Ruben Nizard, Coface economist for the North America region provides an economic overview of the impact COVID-19 is having on Canada and the world. He discusses the current global situation, the triple shock that will impact the Canadian economy, what we can learn from China and what we can expect on
- [Episode 19: An Economic Update: The Impact of COVID-19](https://receivablesinsurancecanada.com/podcast/episode-19-an-economic-update-the-impact-of-covid-19/) - An update on the economic impact of COVID-19 from Euler Hermes North America Senior Economist Dan North.
- [Episode 20: The B2B Pay Delay - COVID-19's Impact](https://receivablesinsurancecanada.com/podcast/episode-20-the-b2b-pay-delay-covid-19s-impact/) - Transcript Every year Atradius releases a Payment Practices Barometer survey which shows the international behaviours for payment practices in countries around the world. This year’s findings, released in early July, show the impact thus far of the COVID-19 pandemic. Though it will take time to determine the full impact of the pandemic on the Canadian
- [Episode 21: The Retail Roller Coaster](https://receivablesinsurancecanada.com/podcast/episode-21-the-retail-roller-coaster/) - Being in retail in the 21st century is not for the faint of heart. Like a rollercoaster there is a steady stream of ups and downs and in recent years the way customers shop and the way retail operates has dramatically changed. A retail report from Deloitte had called for a modest acceleration in household
- [Episode 23: Credit Management Perspectives](https://receivablesinsurancecanada.com/podcast/episode-23-credit-management-perspectives/) - The View from the Credit Manager & the Underwriter Listen to The Show Transcript
- [Episode 24: Getting a Measure on the Economy](https://receivablesinsurancecanada.com/podcast/episode-24-getting-a-measure-on-the-economy/) - 2021 - Year Two: Canada in a COVID World In 2021 we have seen rising inflation, global supply chain bottlenecks and disruptions, as well as ballooning public debt. Though the world is getting back to work, COVID continues to morph into new variants offering more uncertainty. On this episode of the TradeSecurely podcast, three economists
- [Episode 25: A Generalist Broker Asks About  the Receivables Insurance Opportunity](https://receivablesinsurancecanada.com/podcast/what-a-generalist-broker-wants-to-know-about-receivables-insurance/) - What a Generalist Broker Wants to Know About Receivables Insurance Greg Rozdeba, President of DundasLife is guest host on the TradeSecurely podcast to ask John Middleton, RIAC Chair & V.P. Complex Risk and Trade Credit at Hub Intl. questions about Receivables Insurance from a Generalist Broker’s perspective. He asks questions to find out how generalist
- [Episode 26: Your Business, Your Bank & Your Receivables Insurance Policy](https://receivablesinsurancecanada.com/podcast/episode-26-your-business-your-bank-your-receivables-insurance-policy/) - When a business is looking for financing there are a number of things a bank must consider to determine their credit worthiness and having a receivables insurance policy can be very beneficial. On this episode of TradeSecurely we look at the benefits a trade credit policy can provide to both the business and the banker
- [Episode 27: It's Your Money.  Make Sure You Get Paid](https://receivablesinsurancecanada.com/podcast/episode-27-its-your-money-make-sure-you-get-paid/) - On this episode to the TradeSecurely podcast we discuss how to mitigate your risk and collect on your receivables in way that maintains the business relationship.
- [Episode 28: The Fraud Podcast](https://receivablesinsurancecanada.com/podcast/episode-28-the-fraud-podcast/) - During challenging economic times fraud can become more prevalent. On this edition of the TradeSecurely podcast our guests have both have seen an increase in fraudulent claims in the last 2 years in their roles in the receivables insurance industry. Ana Beites is a Senior Debt Services Manager, Special Risks – Insurance & Trade Guarantees at EDC
- [Episode 29: From the Trenches](https://receivablesinsurancecanada.com/podcast/episode-29-from-the-trenches/) - How a decision to limit exposure on a well-known, 100 year old distribution and logistics company protected Coface clients from its 2023 bankruptcy.
- [Episode 30: Know Your Customer](https://receivablesinsurancecanada.com/podcast/episode-30-know-your-customer/) - WHAT'S IN A NAME? EVERYTHING! Listen
- [Episode 31: You Saved My Business](https://receivablesinsurancecanada.com/podcast/episode-31-you-saved-my-business/) - A customer was responsible for 80% of a seasonal business's revenue and when they filed for bankruptcy protection the company was owed $1.6million.
- [Episode 32: Expert Knowledge Pays](https://receivablesinsurancecanada.com/podcast/episode-32-expert-knowledge-pays/) - A TRADE CREDIT INSURANCE SPECIALIST AS YOUR BROKER OF RECORD Listen
- [Episode 10: Understanding Payment Terms & How They Relate to Trade Documents](https://receivablesinsurancecanada.com/podcast/episode-10-understanding-payment-terms-how-they-relate-to-trade-documents/) - Understanding the various payment terms and how they relate to documents, such as invoices, so your credit insurance policy works for your business.

## Categories

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- [Mark Hall](https://receivablesinsurancecanada.com/tag/mark-hall/)
- [Dan Lawrie Insurance](https://receivablesinsurancecanada.com/tag/dan-lawrie-insurance/)
- [Allied World](https://receivablesinsurancecanada.com/tag/allied-world/)
- [Cyber Security](https://receivablesinsurancecanada.com/tag/cyber-security/)
- [Kent Paisley](https://receivablesinsurancecanada.com/tag/kent-paisley/)
- [Cyber Risk](https://receivablesinsurancecanada.com/tag/cyber-risk/)
- [Cory Breed](https://receivablesinsurancecanada.com/tag/cory-breed/)
- [Magnes Group](https://receivablesinsurancecanada.com/tag/magnes-group/)
- [Zurich](https://receivablesinsurancecanada.com/tag/zurich/)
- [Short Term Trade Credit](https://receivablesinsurancecanada.com/tag/short-term-trade-credit/)
- [Ryan Cummings](https://receivablesinsurancecanada.com/tag/ryan-cummings/)
- [Coface](https://receivablesinsurancecanada.com/tag/coface/)
- [Mark Jomaa](https://receivablesinsurancecanada.com/tag/mark-jomaa/)
- [Economic Slowdown](https://receivablesinsurancecanada.com/tag/economic-slowdown/)
- [Recession](https://receivablesinsurancecanada.com/tag/recession/)
- [Cowan Insurance](https://receivablesinsurancecanada.com/tag/cowan-insurance/)
- [Carolyn Nephew](https://receivablesinsurancecanada.com/tag/carolyn-nephew/)
- [Payment Terms](https://receivablesinsurancecanada.com/tag/payment-terms/)
- [Delayed Effect](https://receivablesinsurancecanada.com/tag/delayed-effect/)
- [Construed Coverage](https://receivablesinsurancecanada.com/tag/construed-coverage/)
- [Trade Credit](https://receivablesinsurancecanada.com/tag/trade-credit/)
- [trade documents](https://receivablesinsurancecanada.com/tag/trade-documents/)
- [Euler Hermes](https://receivablesinsurancecanada.com/tag/euler-hermes/)
- [Dan North](https://receivablesinsurancecanada.com/tag/dan-north/)
- [Chief Economist](https://receivablesinsurancecanada.com/tag/chief-economist/)
- [Economic Outlook](https://receivablesinsurancecanada.com/tag/economic-outlook/)
- [Atradius](https://receivablesinsurancecanada.com/tag/atradius/)
- [Chris Short](https://receivablesinsurancecanada.com/tag/chris-short/)
- [trade wars](https://receivablesinsurancecanada.com/tag/trade-wars/)
- [China](https://receivablesinsurancecanada.com/tag/china/)
- [Brexit](https://receivablesinsurancecanada.com/tag/brexit/)
- [CreditAssur](https://receivablesinsurancecanada.com/tag/creditassur/)
- [Michelle Davy](https://receivablesinsurancecanada.com/tag/michelle-davy/)
- [Insolvency](https://receivablesinsurancecanada.com/tag/insolvency/)
- [Preferential Debt Payment](https://receivablesinsurancecanada.com/tag/preferential-debt-payment/)
- [Cassandra Long](https://receivablesinsurancecanada.com/tag/cassandra-long/)
- [Cyber Extortion](https://receivablesinsurancecanada.com/tag/cyber-extortion/)
- [Cyber Extortion Insurance](https://receivablesinsurancecanada.com/tag/cyber-extortion-insurance/)
- [Cryptocurrency](https://receivablesinsurancecanada.com/tag/cryptocurrency/)
- [cyber ransom](https://receivablesinsurancecanada.com/tag/cyber-ransom/)
- [Exporting](https://receivablesinsurancecanada.com/tag/exporting/)
- [Lawrie Insurance Group Inc.](https://receivablesinsurancecanada.com/tag/lawrie-insurance-group-inc/)
- [GCRM](https://receivablesinsurancecanada.com/tag/gcrm/)
- [Letter of Credit](https://receivablesinsurancecanada.com/tag/letter-of-credit/)
- [Canadian Trade Commissioner](https://receivablesinsurancecanada.com/tag/canadian-trade-commissioner/)
- [CBGF](https://receivablesinsurancecanada.com/tag/cbgf/)
- [Karoline Elkind](https://receivablesinsurancecanada.com/tag/karoline-elkind/)
- [CFO](https://receivablesinsurancecanada.com/tag/cfo/)
- [Capital](https://receivablesinsurancecanada.com/tag/capital/)
- [Growth](https://receivablesinsurancecanada.com/tag/growth/)
- [GrowthCapital](https://receivablesinsurancecanada.com/tag/growthcapital/)
- [Canadian Business](https://receivablesinsurancecanada.com/tag/canadian-business/)
- [Ruben Nizard](https://receivablesinsurancecanada.com/tag/ruben-nizard/)
- [Eonomist](https://receivablesinsurancecanada.com/tag/eonomist/)
- [COVID-19](https://receivablesinsurancecanada.com/tag/covid-19/)
- [Economy](https://receivablesinsurancecanada.com/tag/economy/)
- [Canada](https://receivablesinsurancecanada.com/tag/canada/)
- [Economist](https://receivablesinsurancecanada.com/tag/economist/)
- [CDNeco](https://receivablesinsurancecanada.com/tag/cdneco/)
- [#EurlerHermesNorthAmerica](https://receivablesinsurancecanada.com/tag/eurlerhermesnorthamerica/)
- [Economic Update](https://receivablesinsurancecanada.com/tag/economic-update/)
- [CDNbiz](https://receivablesinsurancecanada.com/tag/cdnbiz/)
- [Payments](https://receivablesinsurancecanada.com/tag/payments/)
- [Euler](https://receivablesinsurancecanada.com/tag/euler/)
- [OneSource](https://receivablesinsurancecanada.com/tag/onesource/)
- [Retail](https://receivablesinsurancecanada.com/tag/retail/)
- [Stephen Georgetti](https://receivablesinsurancecanada.com/tag/stephen-georgetti/)
- [Matt Cobo](https://receivablesinsurancecanada.com/tag/matt-cobo/)
- [Michael Sullo](https://receivablesinsurancecanada.com/tag/michael-sullo/)
- [ElevateGlobal](https://receivablesinsurancecanada.com/tag/elevateglobal/)
- [Broker](https://receivablesinsurancecanada.com/tag/broker/)
- [Peter Hall](https://receivablesinsurancecanada.com/tag/peter-hall/)
- [EDC](https://receivablesinsurancecanada.com/tag/edc/)
- [BMO](https://receivablesinsurancecanada.com/tag/bmo/)
- [Indemnification](https://receivablesinsurancecanada.com/tag/indemnification/)
- [HUB International](https://receivablesinsurancecanada.com/tag/hub-international/)
- [Dundas Life](https://receivablesinsurancecanada.com/tag/dundas-life/)
- [Greg Rozdeba](https://receivablesinsurancecanada.com/tag/greg-rozdeba/)
- [trade credit insurance](https://receivablesinsurancecanada.com/tag/trade-credit-insurance/)
- [Collections](https://receivablesinsurancecanada.com/tag/collections/)
- [bankruptcy](https://receivablesinsurancecanada.com/tag/bankruptcy/)
- [tradecreditinsurance](https://receivablesinsurancecanada.com/tag/tradecreditinsurance/)
- [Budget2025](https://receivablesinsurancecanada.com/tag/budget2025/)
- [CanadianTrade](https://receivablesinsurancecanada.com/tag/canadiantrade/)
- [Credit and collections](https://receivablesinsurancecanada.com/tag/credit-and-collections/)
- [Cyber](https://receivablesinsurancecanada.com/tag/cyber/)

## Product categories

- [Course](https://receivablesinsurancecanada.com/product-category/course/)

## Portfolio Categories

- [Architecture](https://receivablesinsurancecanada.com/portfolio_category/architecture/)
- [Environment](https://receivablesinsurancecanada.com/portfolio_category/environment/)
- [Exterior](https://receivablesinsurancecanada.com/portfolio_category/exterior/)
- [Interior](https://receivablesinsurancecanada.com/portfolio_category/interior/)

## Portfolio Fields

- [architecture](https://receivablesinsurancecanada.com/portfolio_field/architecture/)
- [design](https://receivablesinsurancecanada.com/portfolio_field/design/)
- [exterior](https://receivablesinsurancecanada.com/portfolio_field/exterior/)
- [highway](https://receivablesinsurancecanada.com/portfolio_field/highway/)
- [interior](https://receivablesinsurancecanada.com/portfolio_field/interior/)
- [luxury](https://receivablesinsurancecanada.com/portfolio_field/luxury/)

## Testimonial Categories

- [General](https://receivablesinsurancecanada.com/testimonial_category/general/)

## Podcasts

- [Season 1](https://receivablesinsurancecanada.com/series/season-1/) - The TradeSecurely Podcast provides information and news to help Canadian companies grow, succeed and trade securely at home and abroad.
- [Season 2](https://receivablesinsurancecanada.com/series/season-2/)
- [TradeSecurely](https://receivablesinsurancecanada.com/series/tradesecurely/)