ATI is Africa’s export credit agency. We provide political risk and trade credit risk insurance products with the objective of reducing the business risk and cost of doing business in Africa. Our main goal is to help increase investments into our African member countries and two-way trade flows between Africa and the world.  We facilitate exports, foreign direct investment into and trade flows within the continent.

ATI was launched in 2001 with the financial and technical support of the World Bank and the backing of seven African countries. The African Development Bank recently joined as shareholder and partner by funding countries to join ATI.

Since 2003, we have supported over $17 billion worth of trade and investments across the continent, secured an investment grade rating of 'A' from Standard & Poor's, and expanded membership with plans to attract even more African member countries and international financial institutions in the near term.

We are currently able to conduct business in these African countries:

Benin Malawi
Burundi Rwanda
Democratic Republic of Congo  Tanzania
Kenya Uganda
Madagascar Zambia

We will regularly update this list as new members complete the membership process.

Our Vision
To transform Africa into a prime trade and investment destination

Our Mission
To turn African risk into opportunity by providing insurance and financial products, in partnership with the private and public sectors

Our Values
We always strive to carry out our business with a customer first approach combined with integrity, creativity, unity of purpose and an attitude of getting it right the first time

Our History
ATI was created to fill a market gap in trade and investment risk mitigation in Africa. In the late 90's, risk mitigation tools for credit and political insurance were not available for many African countries, and where the cover existed, it was very costly. In addition, the relatively small volumes of trade and investments into these countries did not justify the establishment of national export credit agencies. The only viable solution was to form a multilateral agency that would provide more cost-effective use of underwriting capital, reduced over-head costs and the ability to encourage private sector insurers to assume risk in Africa.

In response to the demand, a number of African countries came together to establish an insurance mechanism to protect their economies against losses caused by credit and political risks. They were confident that this instrument would help local companies compete globally and help Africa attract foreign direct investment. ATI was subsequently launched  in 2001 with a mandate to create insuarance and reinsurance products to help reduce the risks and costs of doing business in Africa.

Please Contact us

Meiqi  Gao
Business agent/representative in China for The African Trade Insurance Agency
Tel.: + 86 10 52 87 1286

Email: [email protected]

Trade Credit Insurance

What is Trade Credit Insurance?

This insurance protects against non-payment risks. As an added benefit, you can also receive valuable credit information on buyers, access to financing on improved terms, help in debt collection and bringing discipline in the credit management process.


Who should use trade credit insurance?

If you answer yes to any of these questions, then you should consider obtaining trade credit insurance.

  • Do you sell regularly on credit terms?
  • Have you ever experienced bad-debt losses?
  • Have any of your customers ever become insolvent?
  • Do you have any unpaid commercial debts that you cannot collect?
  • Do you regularly sell to new customers?
  • Do you sell in international markets?
  • Do you need help in assessing the financial status of your customers?
  • Do you need to improve your company’s cash flow?
  • What can ATI insure with this product?

We frequently tailor solutions to protect our customers against payment default risks in a variety of situations to fit their needs. This list represents some of the most common transactions.

  • Business-to-Business transactions. This includes companies that are sole proprietors and partnerships
  • Commercial risks. This includes the legal insolvency of your debtor and protracted default (the risk of non-payment in situations where your debtor is not legally insolvent). We can cover banks, contractors, suppliers and other companies that may be supplying their goods or services to a single buyer or debtor
  • A portfolio. Our objective is to cover all the buyers or debtors of our customers on a ‘whole turnover’ basis. This includes the following sectors, where we can cover the entire list of your buyers or debtors: banks (where we can cover a portfolio of your SME clients) exporters, manufacturers or suppliers
  • Short term credit risk. This covers the risk of payment default for a period of up to one year with the possibility of renewal
  • Trade receivables. This covers invoices to your business partners for goods delivered or for services rendered. This does not cover loans. With this cover, a typical scenario can involve a customer who uses their receivables as collateral to obtain advance payment or bank financing
  • ATI offers two types of Trade Credit Insurance Products:
  1. For multiple buyers (WTO) insures your entire portfolio of buyers or debtors. Typically this is a one-year policy that covers business-to-business sales with credit terms up to 180 days
  2. For single buyers (SO) product covers only one buyer or debtor but is flexible in terms of the type of transactions it covers. This policy covers on average a credit period of one to two years
  3. For lenders, ATI offers protection against borrowers’ default on loans and other lending facilities and it also includes political risk cover for cross border transactions


Meiqi Gao
Business agent/representative in China for The African Trade Insurance Agency
Tel.: + 86 10 52 87 1286

Email: [email protected]