Trade Credit Insurance Agency

What Trade Credit Insurance Agency does

Trade Credit Insurance Agency, LLC ("TCIA") is a privately held, specialty insurance brokerage founded in 2011 by Edward J. Arnold and headquartered in Williamsville, New York. The firm acts as an independent broker representing business clients — not insurance carriers — across the US trade credit insurance market. TCIA places clients with a network of nine major carriers including AIG, Atradius, Coface, Euler Hermes, EXIM Bank, FCIA (Great American Insurance Group), Tokio Marine HCC, QBE, and Allied World, competing quotes across the entire market to secure policy terms and pricing. Its core product is trade credit insurance, which protects companies against customer default or bankruptcy, enables extension of longer payment terms and higher credit limits, and allows borrowing against insured receivables.

The company's go-to-market is a hybrid enterprise field-sales and inside-sales model executed through a network of specialty brokers operating from eight US states (NY, NJ, OH, TN, TX, KS, plus two additional locations), supported by a headquarters operations function. Marketing channels include direct broker outreach, professional referrals from lenders and advisors, a LinkedIn company page, a branded podcast episode, and a website "Get A Quote" contact form. Pricing is not publicly disclosed and varies by client risk profile, coverage limits, and carrier; TCIA is compensated via commissions paid by the placing carrier (categorized as affiliate referral economics).

TCIA serves three primary customer segments: (1) US companies with domestic or international credit risk exposure, (2) US exporters needing protection against non-payment from foreign buyers (including EXIM Bank-mediated coverage), and (3) companies seeking to use credit insurance as collateral enhancement for bank lending. The firm combines 165+ years of cumulative broker experience, including specialists with prior tenures at Euler Hermes, Coface, Comerica Bank, and ADP, and President Ed Arnold holds a PhD in Geography with a concentration in trade finance. The firm has no disclosed AI/technology component, no external capital, no M&A activity, and remains founder-owned and operated, with 2014 marking the only structural combination to date (the merger of Tom O'Connell's business with Arnold's TCIA).

Name

Trade Credit Insurance Agency

Legal name

Trade Credit Insurance Agency, LLC

Website

https://tciallc.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Trade Credit Insurance Agency is a privately held US specialty insurance brokerage that represents business clients to nine major trade credit carriers across eight states, advising on credit risk coverage, exporter protection, and bank-collateralized receivables financing.

Ownership category

akta.pro rank

Product category

Trade Credit Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Trade Credit Insurance Brokerage (FSAEADAL)

Keywords

• Trade credit insurance
• Credit insurance brokerage
• Export credit insurance
• Accounts receivable insurance
• Bad debt protection

Headquarters

HQ city

East Amherst

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: TCIA acts as a credit insurance broker representing clients (buyers) to multiple insurance carriers. The company earns commissions from the insurance carriers (AIG, Atradius, Coface, Euler Hermes, EXIM Bank, FCIA, Tokio Marine HCC, QBE, Allied World) for placing business. As a broker, TCIA markets clients' businesses to all credit insurance companies to secure the best policy at the best price.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

TCIA is a specialty trade credit insurance broker that represents client businesses to multiple insurance carriers to secure trade credit insurance policies protecting against customer default and bankruptcy. The firm places coverage with nine major carriers including AIG, Atradius, Coface, Euler Hermes, EXIM Bank, FCIA, Tokio Marine HCC, QBE, and Allied World, with particular expertise in export credit insurance and leveraging insured receivables as collateral for bank financing.

Product overview

Trade Credit Insurance Agency (TCIA) is a specialty broker offering a single focused product line: trade credit insurance. The company provides credit insurance policies that protect businesses against customer default or bankruptcy, along with broker services that market clients to multiple insurance carriers to secure optimal rates and policy structures. TCIA does not offer other insurance products, specializing exclusively in credit insurance. The company connects clients with an affiliate network of major insurance carriers including AIG, Atradius, Coface, Euler Hermes, EXIM Bank, FCIA, Tokio Marine HCC, QBE, and Allied World. Applications are processed through a downloadable Word document system.

Differentiator

Problem solved

Functional benefit

Products and services

• Trade Credit Insurance Policy
• Credit Insurance Broker Services
• Credit Insurance Application Service
• Export Credit Insurance Brokerage

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• AIGcoreChannel Partner/ Reseller/ DistributorAIG is one of TCIA's affiliate insurance carriers for trade credit insurance. TCIA as a broker markets clients to AIG and other carriers to secure optimal policy terms.
• AtradiuscoreChannel Partner/ Reseller/ DistributorAtradius is an affiliate insurance carrier providing trade credit insurance. TCIA provides access to Atradius alongside other carriers in their network.
• CofacecoreChannel Partner/ Reseller/ DistributorCoface is an affiliate insurance carrier for trade credit insurance. TCIA works with Coface among multiple carriers to place client coverage.
• Euler HermescoreChannel Partner/ Reseller/ DistributorEuler Hermes is a major trade credit insurance carrier in TCIA's network. TCIA leverages relationships with Euler Hermes and other carriers to benefit clients.
• EXIM Bank (Export-Import Bank of the United States)coreChannel Partner/ Reseller/ DistributorEXIM Bank provides export credit insurance and financing for US exporters. TCIA works with EXIM Bank as part of their specialist expertise in exporter coverage.
• FCIA - Great American Insurance GroupcoreChannel Partner/ Reseller/ DistributorFCIA (Foreign Credit Insurance Association) under Great American Insurance Group provides trade credit insurance. TCIA accesses FCIA as one of their carrier partners.
• Tokio Marine HCCcoreChannel Partner/ Reseller/ DistributorTokio Marine HCC is an affiliate insurance carrier providing trade credit insurance products. TCIA provides access to Tokio Marine HCC alongside other carriers.
• QBEcoreChannel Partner/ Reseller/ DistributorQBE is an affiliate insurance carrier for trade credit insurance in TCIA's carrier network.
• Allied WorldminorChannel Partner/ Reseller/ DistributorAllied World (AWAC) is an affiliate insurance carrier available through TCIA for trade credit insurance placement.

Scale indicators2 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• Meridian Finance Group: US specialty brokerage focused on trade credit insurance, export finance, and EXIM/political risk coverage, mirroring TCIA's niche and exporter emphasis.
• Global Commercial Credit: Independent US trade credit insurance broker placing coverage across multiple carriers for domestic and international receivables, directly comparable to TCIA.
• Trade Risk Group: Specialist trade credit and political risk insurance brokerage serving US companies, closely aligned with TCIA's advisory placement model.

Emerging players

• Nexus Trade Credit: Specialist trade credit MGA/underwriter and intermediary in the same product category, overlapping with TCIA's credit-risk protection focus.

Broad incumbents

• Allianz Trade (Euler Hermes): One of the largest global trade credit insurers and a TCIA carrier partner that also sells direct, both a supplier and a competitor for placement.
• Coface: Global trade credit insurance carrier in TCIA's affiliate network that also markets coverage directly to businesses.
• Atradius: Major global trade credit insurer and carrier partner competing for the same credit-risk protection customers.
• Marsh McLennan: Global insurance brokerage with a trade credit practice, offering the same coverage as part of a much broader portfolio.
• Aon: Global broker with a credit solutions/trade credit practice competing for enterprise trade credit insurance placement.
• Arthur J. Gallagher: Large diversified insurance brokerage that places trade credit and export insurance, overlapping with TCIA's core offering at greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/trade-credit-insurance-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Trade Credit Insurance Agency