Credit Insurance vs. Surety Bond (ZRS): Which better protects your credit sales?

The difference between credit insurance and ZRS surety insurance: while one protects general portfolios, ZRS secures each individual transaction, providing total certainty for your credit sales.

Selling on credit is a powerful growth strategy, but it carries significant risks. While traditional credit insurance protects against the client's permanent insolvency , ZRS surety bonds insure each transaction with individuals individually. If you're not sure which one best suits your business, this blog will answer your question.

1. What is credit insurance?

Credit insurance allows policyholders to protect themselves from the risk of default or insolvency of their clients, offering financial support in the event that clients fail to pay their debts.

Includes:

• Prior risk analysis.

• Debt collection services.

• Partial or total compensation in case of insolvency.

2. What is a surety bond (ZRS) ? (Credit insurance vs. ZRS surety bond)

Surety bonds are policies that guarantee compliance with contractual obligations. In the case of ZRS:

• Focused on loans granted to individuals.

• It acts as an individual financial guarantee, covering 100% in the event of non-payment.

• No credit history or physical guarantor required.

3. Comparison: Credit insurance vs. ZRS

Feature	Credit Insurance	Surety Bond (ZRS)
Risk covered	Final insolvency of the client	Default in each individual transaction
Beneficiary	The company that sells on credit	The company that sells on credit
Scope	General for portfolio	Operation by operation
Acceptance requirements	Credit evaluation and coverage limit	No credit bureau, history or physical endorsement required
Coverage	Partial or total depending on the policy	100% guaranteed per operation
Solution for	Companies with large portfolios and B2B clients	Retail, leasing companies, fintech and personal loans

4. Which one is best for your business?

• Use Credit Insurance if you manage a large portfolio and are looking for protection against B2B businesses with credit analysis.

• Choose ZRS if you sell to individuals (credit, leasing, consumer goods) and want to:

  • Fast approval.

  • 100% coverage without guarantees.

  • Immediate financial peace of mind.

  
  

In today's Mexico, with growing consumer credit, the decision between credit insurance and ZRS depends on your type of customer and operating pace. ZRS is the agile option focused on every sale to individuals. At We Link, we help you choose and operate with confidence, reducing risks and strengthening your growth.

www.welink.mx