Insurance
With our insurance, you can operate more easily and with greater confidence even in challenging markets. A safe entry into foreign markets.
Insurance Solutions by SID Bank
Insurance policies issued by SID Bank are recognized by banks as first-class collateral, enabling easier access to financing and strengthening trust across every project. Our solution provides security for you and sends a clear signal of reliability to your business partners.
Key Sales Advantages
SID Bank operates as Slovenia’s official Export Credit Agency (ECA) and provides insurance cover where the private sector is unable to do so.
Benefits for companies:
- Export promotion – secure operations in demanding foreign markets.
- Coverage of non-marketable risks – protection against political events, government actions, force majeure, buyer insolvency, or protracted default.
- Access to difficult markets – particularly outside the EU and OECD, and for receivables with maturities exceeding two years.
- Special protection – including coverage for receivables arising from financial instruments that are not insured by private insurers.
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Experts in secure international business.
We support Slovenian companies in their export and international investment activities with secure and reliable solutions.
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Protection against non-payment
Insurance protects you against losses if foreign buyers fail to pay and facilitates transaction financing.
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Bank confidence
Our policies are recognized by other banks as first-class collateral, making access to financing easier.
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A safe entry into foreign markets.
With our insurance, you can operate more easily and with greater confidence even in challenging markets.
Insurance Risks
SID Bank insures exports and investments abroad against non-marketable risks, which comprise commercial and non-commercial risks of the nature and level which the private (re)insurance market is reluctant or unable to accept. By insuring these risks we offer exporters, investors and other participants in international trade a solution to reduce non-payment risks, thus creating conditions for stable business on the international level.
Non-commercial risks
- Public buyer risks (failure of repayment of a loan by the public debtor or a unilateral termination of an agreement by the public-law entity client).
- Political risks (wars, revolutions and general strikes, moratorium on payments, restriction of conversion or transfer, restriction of import, expropriation and other forms of expropriation).
- Natural disaster risks.
Commercial risks
- Protracted default
- Forced settlement and bankruptcy
Export and Pre-Export Credit Insurance
SID’s Export and Pre‑Export Credit Insurance safeguards your receivables and reduces payment risks from production to delivery. Gain financial security, improve cash flow, and confidently expand into new international markets. Flexible solutions cover deferred payments, bank financing, and receivables management—helping your business grow with peace of mind.
Investment Insurance
SID’s Investment Insurance offers tailored risk protection for Slovene investors exposed to non‑commercial threats in foreign markets. Our solutions cover equity investments, shareholders’ loans, and non‑shareholders’ loans made abroad — safeguarding funds tied to tangible and intangible assets such as equipment, patents, licenses, and know‑how.
By mitigating political, regulatory, or other non‑marketable risks, this insurance helps businesses secure capital, enhance stability, and pursue growth opportunities internationally with greater certainty.
Insurance of Bank Service Guarantees
In international business, particularly in the export of equipment, performance of investment work, etc., it is an established practice for the buyer to require from the exporter adequate guarantees to cover risks on the exporter's side (i.e. a bid bond, a performance bond - for the good execution of work, an advanced payment bond, a warranty bond, a retention money bond). Guarantees, issued mostly by banks, are issued in content and form required by the beneficiaries and therefore efficiently protect them against commercial risks, and must be provided by the exporter. The exporter and exporter's bank face certain risks in connection to guarantees in international trade, which can be insured by SID Bank.
Insurance of exporter
The exporter can be insured against
- unfair calling and calling of guarantees due to political and other non-commercial risks.
Insurance of guarantor
The exporter’s bank can be insured against
- the calling of guarantees for any reason.
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Best Practices
Discover what companies have achieved with our financing.
