Independent Credit Insurance & Surety Bond Specialists

Protecting Your Business.Securing Your Future.

Credit and Surety Brokers Limited is an independent broker helping UK businesses protect their cash flow and win contracts with confidence. From trade credit insurance to surety bonds, we find the right cover in the right market — backed by advice built around your commercial objectives.

We are experienced in credit insurance. We listen. We keep it simple.

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Who We Are

Dean Clough Mills in Halifax, West Yorkshire, home of Credit and Surety Brokers Limited — Where we are: Dean Clough, Halifax

As an independent, whole-of-market broker, we're not tied to any single insurer. That means every recommendation we make is based on what's genuinely right for your business, not what's easiest for us to sell. We work with companies of every size — from growing SMEs to established exporters — to arrange trade credit insurance, surety bonds and credit risk management solutions that protect cash flow, support growth and give you certainty when it matters most. Whatever stage your business is at, our team combines specialist market knowledge with a genuinely personal service.

Why the Right Broker Matters

Finding the right policy requires a broker who listens to your commercial objectives. With our market expertise, we ensure your policy is structured accurately and placed in the right market home to give you continuity and certainty.

More About Us

Our Services

Trade Credit Insurance

Trade credit insurance protects your business against the risk of non-payment, safeguarding cash flow if a customer becomes insolvent or simply fails to pay. We arrange business credit insurance policies covering domestic and export trading, including bad debt protection, accounts receivable insurance and credit risk insurance. Whatever the size of your ledger, we structure cover around the customers and markets you actually trade with — then support you through claims, renewals and ongoing credit risk monitoring, so protection doesn't stop once the policy is in place.

Covers

Business & Commercial Credit Insurance
Export Credit Insurance
Bad Debt Protection
Accounts Receivable Insurance
Credit Risk Monitoring
Claims Support

Trade Credit Insurance

Surety Bonds

Surety bonds give your clients, contractors and public sector partners certainty that you'll deliver on your commitments. We arrange performance bonds, construction bonds, advance payment bonds, retention bonds, warranty bonds, and local authority and highway bonds for businesses bidding on and delivering contracts across the UK. Tender deadlines rarely wait, so speed matters — our surety specialists move quickly to source competitive terms from leading providers, helping you secure the bonds you need to win, and keep, the contracts that matter.

Covers

Performance Bonds
Construction Bonds
Highway Bonds
Local Authority Bonds
Advance Payment Bonds
Retention Bonds
Warranty Bonds

Surety Bonds

Credit Risk Management

Insurance is only part of the picture. Our credit risk management service helps you monitor customer creditworthiness, run customer credit checks and manage debtors more effectively — spotting early warning signs of financial difficulty before they affect your business. Through ongoing credit monitoring, debtor management advice and practical, plain-English guidance, we help you reduce bad debt, protect cash flow and make confident decisions about who to trade with, and on what terms. It's the kind of business risk management support that goes beyond the policy document.

Industries We Serve

Every sector faces different risks, so we tailor our advice accordingly. Our team has hands-on experience supporting:

Manufacturing businesses managing supplier and customer credit risk
Construction companies securing performance and construction bonds to win contracts
Recruitment agencies protecting cash flow against client non-payment
Wholesale and distribution businesses trading on tight margins and extended credit terms
Food and drink businesses managing perishable stock, tight margins and fast-moving supply chains
Exporters managing credit risk across international markets

Whatever sector you operate in, we bring genuine, sector-specific expertise — not a generic policy — to every conversation.

Why Choose Us

Finding the right policy takes more than a quote. It takes a broker who understands your business and structures cover around it. Here's what sets us apart:

Independent, whole-of-market advice — we're not tied to any single insurer
Personal account management — a dedicated contact who knows your business
Sector-specific expertise across a range of industries
Fast policy placement, so you're not left exposed
Dedicated claims support when you need it most
Ongoing credit risk monitoring to keep you ahead of problems
International cover for businesses trading overseas
Risk management consultancy to help you make smarter credit decisions

Trusted by Businesses Across the UK

We work alongside leading insurers and industry bodies to place cover you can rely on, and we're proud of the relationships our team has built over decades with the businesses we support.

How It Works

Getting the right cover shouldn't be complicated.

Tell us about your business — the customers, sectors and risks you want to protect against.
We assess your risk and compare terms across the whole market on your behalf.
We place your policy or bond, then manage it for you — from renewal to claims — so you can focus on running your business.

Get a Quote

Questions?

Still have questions about trade credit insurance, surety bonds or how cover is priced? Get in touch and we'll talk you through it in plain English.

You'll also find answers to common questions at the bottom of our Trade Credit Insurance and Surety Bonds pages.

Get in Touch

Ready to protect your business and secure your future? Speak to our team today for independent, no-obligation advice on trade credit insurance, surety bonds and credit risk management.