WELCOME
Golding McEvoy Risk Consultants (GMRC) are experts in credit insurance and understand how it can help your business thrive, both by protecting against the disastrous effects of bad debt and facilitating business growth.
We aim to improve the customer experience within the credit insurance broking market and to provide the very highest quality service to all of our clients. With nearly 40 years combined experience in dealing with both direct to insurer clients, and brokered clients, we understand that all clients want the same things; a speedy response, great service, and the best advice.
​
At GMRC we will not offer different levels of service to our clients depending on their spend. We are committed to providing our best service levels to all of our customers, and we believe that everyone should be treated the same.
​

WHAT IS CREDIT INSURANCE?
Trade credit insurance provides cover for businesses in the event of a customer becoming insolvent or failing to pay its trade credit debts. The credit insurer will monitor each of a policyholder’s insured customers, assigning them each a credit limit, which is the maximum amount covered in the event of an insolvency or non-payment.
WHAT IS CREDIT INSURANCE?

HOW IS IT PRICED?
The cost of a credit insurance policy is typically a small percentage of insurable sales. The price can depend on several variables starting with the turnover of the business. This is further influenced by additional factors such as the trading and loss history of the company, the trade sector and the customer base.
HOW IS IT PRICED?
WHY USE A BROKER
Very few policyholders of any type of insurance would purchase or renew a policy without wanting to know that they have the best cover at the best cost. Equally, a significant proportion of the underwriters will not issue a Credit Insurance policy without a broker.
A specialist Credit Insurance broker will work for their clients and use their experience to negotiate better terms and premiums than you would get from an Underwriter.
​
At GMRC we work on behalf of our clients and pride ourselves in our ability to proactively manage all aspects of your Credit Insurance policy, not just in the sales process, but also on an ongoing basis throughout the life of the policy. Additional support is provided to negotiate credit limit cover, and pre-vetting all claims to maximise and expedite claim payments.
​
Brokers are remunerated directly by the Insurers to manage their client’s policy. The cost of the broker is NOT passed on to the client by the insurer.
​

BENEFITS OF CREDIT INSURANCE
CASHFLOW
CASHFLOW
It provides an additional 'wrap' around your existing credit management to improve your days sales outstanding.
Insurers have access to detailed information on millions of companies around the world.
INFORMATION
INFORMATION
It allows you to expand safely and confidently with new customers, both domestic and abroad.
GROWTH
GROWTH
Allows you to sleep at night knowing your unpaid invoices are insured.
PEACE OF MIND
PEACE OF MIND
Having credit insurance allows you to negotiate better terms with your bank and other funders.
FUNDING
FUNDING
Improve your profitability by increasing your sales with trading more.
PROFITABILITY
PROFITABILITY
Fundamentally, it's there to replace money lost through bad debt as quickly as possible.
PROTECTION
PROTECTION
It allows you to be more efficient by helping you make the right decisions quickly.
SPEED
SPEED
Offer credit terms to customers when potentially your competitors can't.
COMPETITIVENESS
COMPETITIVENESS
It gives you the knowledge and comfort to sell new products to new customers, maybe even in new countries.
CONFIDENCE
CONFIDENCE
WHAT PEOPLE SAY

C.B. | Food Manufacturer
Dave's ability to promptly assess, action and formulate a result are all attributes we highly value.

S.N. | Fashion Retailer
Always available,
always aware,
always current
and totally approachable.

D.T. | Machinery Wholesale
Highly proactive, your service has given us the confidence to grow our business further.