Risk from a companies commercial activities as distinct from insurable risk

Exists when the borrower is entirely responsible for repayment of the loan without support from the borrower's country. Repayment of the loan can also be guaranteed by a commercial bank or other third party considered to represent a commercial risk.

The risk an exporter takes in relation to an open account sale to a foreign buyer, since the buyer may be unable to pay for the merchandise.

The risk that a debtor will be unable to meet its financial obligations as a result of business developments.

The risk of Insolvency or Protracted Default by a buyer. This may include the failure to accept goods in export sales (each policy will need to be individually inspected).

Risk of non-payment resulting from the deterioration of a private buyer's financial situation.