Coface has filed a broad supplemental update to its TradeLiner trade credit insurance program in Kansas, adding six new forms and updating one existing endorsement as it continues to refine how credit risk is underwritten, shared, and paid across complex supply chains. The filing was submitted January 19, 2026, and applies on an on-approval basis for new business.

At a high level, the filing gives insureds more flexibility to set their own credit limits, extend coverage deeper into multi-party transactions, and reduce friction around disputed receivables—areas that have become increasingly relevant as supply chains grow longer and payment structures more conditional.

One of the more notable additions is an Advanced No Claims Bonus. Instead of waiting until the end of the policy period, eligible policyholders receive a premium reduction upfront if no claims are expected. If losses later emerge, the bonus is netted against indemnity payments. For insureds with stable buyer books, this effectively improves cash flow and lowers the cost of capital tied up in credit insurance.

Coface also introduced a new Financial Statements option that allows insureds to set buyer credit limits themselves using recent audited financials, rather than relying solely on Coface’s credit decisions. If a buyer shows positive tangible net worth and operating income, the insured can extend coverage up to a defined percentage of that balance sheet strength. This shifts part of the underwriting decision closer to the insured and rewards companies with strong internal credit controls.

The filing also updates Blind Cover, replacing an older version of the endorsement. Blind cover allows insureds to extend limited coverage to buyers without a formal credit decision, subject to strict conditions. The update tightens and clarifies eligibility rules, including buyer payment history and prior refusals, while keeping the tool available for fast-moving sales environments where waiting for a formal credit limit would delay shipments.

Another significant addition is the Sequential Liability Option, which extends coverage to “pay-when-paid” sales contracts. In these arrangements, the insured only gets paid after its buyer is paid by a third party. Coface’s new option covers non-payment caused by the third party’s insolvency, provided proper credit limits are in place on both counterparties and the buyer assigns its receivable rights. This is a meaningful expansion for manufacturers, distributors, and contractors operating in layered payment chains, particularly in construction, industrial supply, and project-based trade.

Coface also addressed a common operational pain point with a new Suspension of Cover Limited to Disputed Amount endorsement. Under prior structures, a dispute could suspend coverage on an entire receivable. Under the new form, Coface will continue to indemnify the undisputed portion while the contested amount is resolved, improving recoveries and reducing balance-sheet volatility for insureds.

The filing includes a standardized Executive Summary form that consolidates key commercial terms—coverage triggers, credit periods, limits, deductibles, fees, and optional extensions—into a single document. While largely administrative, this improves transparency for brokers and insureds managing complex, option-heavy trade credit policies.