Absolutely! Credit insurance policies can often be tailored to provide additional coverage or address specific needs and situations. Here are some common ways to customize coverage:

1. Top-Up Coverage:

• Increase Buyer Limits: If you secure a contract with a high-value buyer exceeding your existing coverage limit, you might request a temporary or permanent increase in their credit limit.
• Additional Coverage for Specific Risks: You can potentially add coverage for specific political or commercial risks (like contract disputes, if offered) for a certain customer or transaction.

1. Selective Coverage:

• Target High-Risk Customers: Instead of insuring your entire portfolio, you can select specific customers with higher risk profiles for credit insurance coverage.
• Coverage for Specific Projects: Insure only those transactions or projects that carry an unusual level of risk.

1. Flexible Deductibles and Coinsurance:

• Higher Risk Tolerance: You might opt for a higher deductible or coinsurance percentage to lower premiums in exchange for bearing some of the loss.
• Lower Risk Scenario: Conversely, a lower deductible or coinsurance can be selected for an increased premium if you need immediate and extensive coverage.

1. Policy Add-ons:

• Specialized Risks: Some insurers offer add-on coverages for specific risks like pre-shipment, currency fluctuations, or natural disasters impacting your buyers.

1. Temporary Coverage:

• Short-Term Projects: You might be able to get insurance for a specific short-term project without committing to a full-year policy.

Important Factors:

• Insurer Flexibility: The extent of tailoring possible depends on the insurer’s underwriting guidelines and product offerings.
• Cost-Benefit Analysis: Carefully weigh the need for additional coverage against the potential increase in premiums.
• Communication: Work closely with your insurance broker or the insurer to explain your specific needs and discuss suitable options.