Insurers, apart from the products associated with the risk of theft, property damage or damage caused by natural forces, also offer a variety of financial insurance policies. Such insurance is useful if  there is a risk of losing profit or claims from customers. One type of financial insurance is a trade credit insurance. This is a protection against a dishonest contractor. Late payments can ruin the liquidity of each company, in particular of small and medium-sized businesses. Credit insurance is useful to all those who sell any goods and allow contractors for delayed payment term.