Why Debt Protection Matters
Bad debt doesn’t usually happen overnight.
It builds gradually through:
- slowing payments
- increasing exposure
- poor visibility
- missed warning signs
- delayed escalation
Without the right controls in place, one serious client insolvency can significantly impact:
- contractor payroll
- cashflow stability
- profitability
- operational resilience
- future growth
That’s why recruitment agencies need more than just insurance.
They need visibility, responsiveness, and confidence that risk is being actively managed as they grow.
What the Insurance Covers
Our debt insurance protects 90% of approved outstanding debt with insured clients, subject to agreed credit limits and policy terms.
Example
In the event of a genuine and proven bad debt arising from client insolvency, Allianz covers 90% of the insured amount, leaving you responsible for the remaining 10% excess.
£85,000 exposure
→ £76,500 protected
→ £8,500 agency exposure
A Smarter Way to Manage Risk
Debt protection is only one part of the picture. QUBA combines technology, monitoring, credit control, legal support, and insurance protection to help recruitment agencies manage risk proactively and grow with confidence.
More Than Debt Insurance
Fast Credit Limit Decisions
Get instant decisions on standard credit limit requests up to £50,000, where relevant checks are passed and standard QUBA conditions are met. For larger requests, our team works quickly to help you secure the cover you need.
Real-Time Reporting & Visibility
Monitor credit limits, aged debt, outstanding invoices, and client exposure through DynamiQ, QUBA’s recruitment operations platform. Real-time visibility helps you make informed decisions and spot potential issues early.
Flexible Growth Support
As your clients grow, your credit requirements can grow too. Additional cover options, including CAP, can help increase approved limits and support larger trading opportunities.
Continuous Monitoring
Allianz actively monitors insured clients for changes in financial health. Early warning alerts help agencies manage future exposure and make informed decisions before risks escalate.
Credit Control & Legal Support
Our managed credit control process helps identify payment concerns early, maintain regular communication, and escalate issues appropriately. Where required, we can also support legal escalation.
Claims & Recovery Support
If a genuine and proven bad debt arises from client insolvency, Allianz-backed protection covers 90% of approved outstanding debt. Our team manages the claims process and supports agencies throughout recovery.
Superfast payments
Weekly payments via Faster Payment ensure timely contractor payments.
Knowledge access
Continuous support from your dedicated relationship manager.
How We Help You Trade With Confidence
Before you start working with a new client, we help assess and manage the financial risk on your behalf.
Using a combination of credit checks, insurer-backed assessments, and industry expertise, we establish an appropriate credit limit that reflects both the client’s financial position and your expected trading levels. Credit limits are supported by Allianz’s risk assessment process and are tailored to each client’s financial profile.
What this means for your agency
✓ Faster onboarding of new clients
✓ Confidence that exposure is being assessed and monitored
✓ Clear visibility of approved trading limits
✓ Support as your client relationships grow
✓ Access to additional cover options where required
For many UK-based clients, standard credit limit requests up to £50,000 can be assessed in around 30 seconds through DynamiQ, helping you get up and running quickly.
As your business grows, we can also support higher limits and additional protection options where appropriate.
Most recruitment agencies don’t realise the level of financial exposure they carry until a serious payment issue arises.
Speak to the QUBA team to understand:
- your current level of exposure
- whether your protection is sufficient
- how your setup supports future growth
Let’s chat about
your business needs
Get in touch and find out how we can take your recruitment business to the next level. You can book an appointment or simply give our team a call on 0333 049 1099