As soon as the insureds become aware that a claimable event is imminent or has actually occurred, they are obliged to take all necessary or expedient actions and to exercise all due diligence to avert or to mitigate the claim. This includes in particular drawing down securities, exercising his rights to retention of title and, if necessary, taking court action to recover the receivables. In doing so the insured is obliged to follow the insurer's instructions and to obtain the insurer's prior consent before concluding any composition arrangements, agreeing to payment schemes or entering into similar agreements.

The credit insurer expects the insured to conduct its buyer monitoring as if the credit were not insured. This means that it is expected the insured will spring into action if the invoice is still unpaid after the due date. Payment reminders should be sent to the buyer and/or phone calls should be made. This way possible disputes or complaints about deliveries can be detected in an early stage.

Most policies give the insured the freedom to continue deliveries despite the outstanding invoices, realizing that few buyers have the habit of paying their bills in time. This grace period is usually called the maximum extension period, and it starts on the due date and ends 30, 60 or 90 days later depending on the policy conditions. The variable duration of the maximum extension period can be related to the specific country, sector or financial status of the buyer. Continuing deliveries during the maximum extension are of course subject to a sufficient credit limit.