Get to know which of our products will best protect your business. Slow pay, no pay...we pay! Download now.

1. Products and services
to meet your needs

2. About Euler Hermes ACI

3. Before doing business with anyone else,
it pays to do business with us
Euler Hermes ACI is North America’s oldest and largest provider
of accounts receivable insurance, with local offices across the
US, Canada and Mexico. Euler Hermes ACI is a member of the
Euler Hermes Group, the world’s premier credit insurer. With 6,000
employees, Euler Hermes’ risk management presence spans five
continents and more than 30 countries. In most of these countries,
it is the number one or number two credit insurer in the market.
Euler Hermes ACI provides credit management solutions for
small, medium and large companies in all industries. Credit
insurance from Euler Hermes ACI can help you trade with
confidence, providing valuable protection against the
consequences of domestic or overseas customer insolvency
and non-payment.
When you insure your accounts receivable with
Euler Hermes ACI, you can:
• Achieve financial objectives more confidently
• Safely expand sales
• Secure better borrowing terms
• Reduce bad-debt reserves
• Avoid catastrophic bad-debt losses

4. Business Advantage policy

5. Protection designed for you
Euler Hermes ACI’s Business Advantage policy is designed
for companies who sell within North America (United States and
Canada) and have annual sales less than $10 million. Accounts
receivable insurance from Euler Hermes ACI is an efficient,
cost-effective way to control credit risk and safely increase sales.
This accounts receivable coverage ensures you will get paid if
any of your covered accounts in North America become
insolvent, are slow to pay, or are otherwise unable to pay.
Product highlights
• Designed for administrative ease of use
• Ongoing account monitoring provides early warning of
potential credit risks
• Protection against customer insolvency and non-payment
• On-line policy management system, EOLIS, makes policy
management simple and convenient
• Obtain better financing terms and borrow more working
capital by offering lender insured receivables as collateral
• Debt collection services included in policy
• Ability to increase sales to new and existing customers

6. Domestic Markets policy

7. Reduce overall business risk by
insuring one of your largest assets
Accounts receivable are the most vulnerable to
unexpected losses, but are typically the only major
asset left uninsured.
Whether you are a small, mid-size or large company,
Euler Hermes ACI’s industry-specialized underwriters
can provide tailored risk management solutions.
Product highlights
If you sell only in the United States and Canada,
the Domestic Markets product is for you. The Domestic
• Protection against catastrophic
Markets policy is an efficient, cost-effective way to
bad-debt losses
control your credit risk and safely increase sales.
This coverage ensures you will get paid if any of your • Pre-approved coverage for
covered accounts in North America become insolvent, large accounts – discretionary
are slow to pay, or are otherwise unable to pay. coverage on other accounts
• Ongoing account monitoring
provides early warning of
potential credit risks
• Low-maintenance policy
with instant, secure access
via the Internet
• Sell safely to new and existing
customers
• Secure better financing terms
and borrow more working
capital by offering your
lender insured receivables
as collateral

8. Multi-Markets policy

9. A tailored plan for worldwide protection
Multi-Markets credit insurance A Multi-Markets policy can
from Euler Hermes ACI is designed benefit your company if you:
for North American companies that • are expanding into markets
want to cover commercial and abroad and looking for a way
political risks on their domestic to secure payment on domestic
and export sales. The Multi-Markets accounts, but recognize that
policy is a simple, reliable way to political risk for foreign customers
insure both domestic and export is just as great as the risk of
accounts receivable in one insolvency
comprehensive policy. • have credit insurance on your
Euler Hermes ACI’s Multi-Markets export accounts but want that
policy provides protection against same protection for your
non-payment, slow payment and domestic accounts
insolvency caused by losses due • hold separate domestic and
to commercial or political events. export policies with different
Region-specific underwriters insurers, but would prefer a
will work in conjunction with you single, seamless policy
to support your credit decisions
through access to Euler Hermes’
Product highlights
database with proprietary
information on more than 40 • Comprehensive policy protects against commercial and political
million companies worldwide. risks in 160 countries worldwide
• Safely expand sales to existing or new, foreign buyers
• Instant, secure access to policy information via the Internet
• Ability to obtain better financing terms and borrow more working capital
• Cheaper, quicker and easier than letters of credit
• Pre-approved coverage for large accounts. Discretionary coverage
on other accounts
• Ongoing account monitoring provides early warning of potential credit risks

10. International policy

11. Tailored program to meet your
individual needs
If your company is a multi-national business, the International policy
can seamlessly optimize and simplify your risk management efforts. An
International policy is more cost effective than having separate policies
in each country.
Euler Hermes ACI’s multi-national sales and service team will work with
you to create a customized policy that meets your company’s specific
needs. You will receive the highest quality services in risk prevention,
recovery of bad debts and payment of claims.
As an International customer, you will have a single point-of-contact
at Euler Hermes ACI to help you manage your policy, which is available in
five languages and the currencies of your choice. When your subsidiaries
need assistance in other countries, a local Euler Hermes company will be
there to assist. You and your subsidiaries will benefit from a global view
of total group exposures, and as a result, simpler control of risks.
Product highlights
• Highly tailored program to meet your company’s specific needs
• Flexible program; common worldwide structure or varying local terms
• One worldwide policy available in five languages
• Local in-country and regional service by Euler Hermes companies in more
than 30 countries around the world
• Risk management offices across the globe
• Ability to manage policy on-line
• Underwriting supported by database with proprietary information on
more than 40 million companies worldwide

12. EOLIS, on-line policy management system

13. Fast, easy policy access
Euler Hermes ACI provides its clients and business partners
instant, secure access to policy information via the Internet,
including the ability to obtain online coverage decisions.
Quick coverage decisions help Euler Hermes ACI policyholders
sell more competitively without the credit risk. Connecting to
EOLIS enables policyholders to:
• Fulfill new orders without delay by getting your request for
coverage on new or existing customers answered quickly
• Check current policy coverage and decision reports
• Submit claims on-line and access updates on claims
activity at any time
• Enjoy e-mail access to their Euler Hermes ACI agent and
Client Service Team members, including Underwriting,
Claims and Billing department personnel
• View EOLIS in four different languages, including English,
French, Spanish, and German.

14. Claims and collections services

15. Get paid for what you sell
When you insure your Dedicated Claims Units
accounts receivable with
The Claims Group within
Euler Hermes ACI, you can
Euler Hermes ACI is segmented
count on being paid for what
to help large policyholders
you sell, even if one of your
and first-time claims filers.
covered accounts suddenly
This enables us to provide
faces insolvency or is Collecting non-covered claims
world-class customer service
otherwise unable to pay.
Euler Hermes ACI Collection
at the least cost to our
Credit insurance from
Services, Inc. (Euler Hermes
customers.
Euler Hermes ACI
ACS), a wholly owned
The Large Claims unit
complements your credit
subsidiary of Euler Hermes ACI
handles all pre-claim activity,
management processes to
Holding Inc., provides clients
large losses, and all claims for
protect your company from
with the highest quality,
our larger policyholders. This
the impact of unanticipated
professional global commercial
unit allows us to concentrate
credit loss or account
recovery service available.
on the high value claims that
insolvency. As a unique policy
When Euler Hermes ACI
have the greatest impact on
feature, Euler Hermes ACI
customers need commercial
customers and to provide
provides coverage for
collection services for
customized services. Similarly,
preference claims.
non-covered claims, they
the First-Time Claim Unit
Whether your company is
turn to Euler Hermes ACS.
helps first-time filers receive
a small, medium or large
Collection fees for Euler
specialized training to resolve
business, Euler Hermes ACI
Hermes ACI customers are a
their claim.
is dedicated to helping you
fraction of competitors’ fees.
The Claims Group is
through the claims and
And through the help of the
committed to handling claims
recovery process.
Euler Hermes worldwide
quickly and efficiently so as
network, Euler Hermes ACS
to help take the worry out of
can collect overdue accounts
managing unexpected
receivable from debtors
insolvencies and past due
regardless of their location.
situations. Our recovery
performance is better than
industry norms.

16. North American Offices
Mexico
Eastern US Central US Canada
Western US
Mexico City
Baltimore, MD Chicago, IL Montreal, PQ
Los Angeles, CA
52-55-5520-0101
877-909-3224 877-904-3224 877-509-3224
877-901-3224
New York, NY Atlanta, GA Toronto, ON
Dallas, TX
877-884-3224 800-527-0346 877-511-3224
877-905-3224
Euler Hermes ACI
800 Red Brook Boulevard
Owings Mills, MD 21117
Tel 877-883-3224
Fax 410-753-0952
www.eulerhermes.com