Products & Services

Trinity Group offers specialized insurance and risk management solutions designed to meet the complex and evolving needs of today's businesses. Our focus areas include credit insurance, specialty insurance lines, and strategic risk advisory, all tailored to fit your specific operational, regulatory, and financial landscape.

We go beyond traditional, off-the-shelf policies to craft bespoke insurance and guarantee structures that reflect your business model and risk appetite. Whether you're managing trade credit exposure, entering new markets, or facing geopolitical uncertainty, our team works closely with you to develop forward-thinking solutions that provide both protection and strategic advantage.

Leveraging over 100 years of combined industry expertise and a strong global network of insurers, reinsurers, and guarantee providers, we deliver comprehensive, flexible coverage that evolves with your business—helping you stay resilient, compliant, and prepared for what's next.

Contract Guarantees

Surety:

We understand the critical role that surety bonds and contract guarantees play in supporting your project delivery and financial stability. Our Contract Guarantee solutions are designed to unlock capital, mitigate risk, and enhance the creditworthiness of our clients across industries.

Through our robust global network of leading insurance partners, we provide customized surety solutions that align with your operational and financial needs. Whether you're entering a new market, bidding on large-scale infrastructure projects, or seeking compliance with contractual obligations, Trinity Group structures guarantees that provide both confidence and compliance.

Types of Guarantees

  • Bid / Tender
    Protects project owners in the event a bidder fails to honor their bid or execute the contract if awarded.
  • Performance Guarantees
    Ensures the contractor fulfills their contractual obligations in accordance with agreed performance standards.
  • Advance Payment Guarantees
    Safeguards advance payments made by the project owner, ensuring proper utilization or refund if obligations are unmet.
  • Warranty Guarantees
    Covers potential defects or faults discovered during the warranty period after project completion.
  • Maintenance Guarantees
    Provides assurance that post-completion maintenance obligations are met within the stipulated timeframe.
  • Retention Guarantees
    Replaces retention money typically held by the employer, freeing up working capital for the contractor.
  • Customs Bonds
    Provides tailored Customs Bond solutions that ensure compliance with import/export regulations and guarantee the payment of duties and taxes to customs authorities. These bonds help businesses clear goods efficiently, avoid delays, and manage cash flow effectively.

Key Benefits:

  • Ensures regulatory compliance and smooth customs clearance.
  • Guarantees duty and tax payments
  • Supports bonded warehousing, transit, and temporary imports
  • Available as Single Entry, Continuous, Transit, or Warehouse Bonds

Ideal for importers, exporters, freight forwarders, and logistics providers seeking secure and compliant cross-border trade operations

These instruments not only enhance your balance sheet efficiency but also improve your ability to compete for large and complex contracts. Our team works closely with you to assess your project and financial profile to tailor a solution that optimally supports your capital management and project risk framework.

Payment Guarantees

we recognize the importance of financial assurance in commercial transactions—especially in cross-border trade and high-value contracts. Our Payment Guarantee solutions are designed to protect sellers, service providers, and investors against non-payment risks, ensuring that business continues with confidence and stability.

These guarantees act as a safety net, providing financial security to beneficiaries in the event the buyer or obligor fails to fulfill payment obligations for goods delivered or services rendered.

Key Benefits of Payment Guarantees:

  • Credit Risk Mitigation
    Protects your business from potential losses due to buyer insolvency, payment default, or delayed settlements.
  • Enhanced Trade Confidence
    Encourages smoother international and domestic trade by offering assurance to sellers and suppliers.
  • Stronger Negotiating Position
    Enables suppliers to offer more favorable terms to buyers while reducing exposure to counterparty risk.
  • Support for Working Capital
    Frees up capital otherwise reserved for risk buffers, enhancing liquidity and business growth potential.
  • Custom-Built Structures
    Our team works with you to structure guarantees that align with your specific transaction needs, industry sector, and risk profile.

Whether you're an exporter, service provider, or financial institution, Trinity Group’s Payment Guarantees offer a robust tool to secure receivables, stabilize cash flow, and protect against unpredictable payment outcomes. With access to top-rated insurers and a deep understanding of credit risk, we provide solutions tailored to support your commercial success in a dynamic global marketplace.

Mining Guarantees

We provide specialized surety solutions tailored to the needs of the mining and natural resources sector. Our mining guarantees help secure capital commitments, ensure regulatory compliance, and de-risk critical phases of mining operations.

We partner with global insurers to structure robust guarantee facilities across the mining lifecycle—from exploration and development to production and rehabilitation.

Our Mining Guarantee Solutions Include:

  • Pre-Production Guarantees:
    Secure regulatory and licensing obligations before mining commences, ensuring compliance and stakeholder confidence.
  • Advance Payment Guarantees (Backed by Off-Take Agreements):
    Protect off-takers and financiers by securing advances made against future production, offering assurance of delivery or repayment.
  • Advance Payment Guarantees on EPC Contracts:
    Provide protection to project owners for advances paid to EPC contractors, ensuring funds are used for intended purposes.
  • Sponsored Advance Products:
    Customized guarantee structures backed by sponsors to support working capital or project development stages.
  • Payment Guarantees: Ensure timely payment obligations to contractors, vendors, and other stakeholders, mitigating payment default risks.
  • Mining Rehabilitation Guarantees: Meet environmental and restoration obligations through long-term guarantees, supporting sustainability and regulatory compliance.
Credit and Political Risk Insurance (CPRI)

We deliver tailored Credit and Political Risk Insurance (CPRI) solutions that protect against non-payment, sovereign default, and political disruptions. Our offerings support businesses, lenders, and investors in managing cross-border and domestic exposures with confidence.

Our solutions are designed for corporates, financial institutions, traders, and investors operating in volatile markets or undertaking high-value transactions.

Trade Credit Insurance:

Protects against the risk of non-payment by private sector buyers due to insolvency, protracted default, or political events affecting payment.

Coverage Options Include:

  • Short-Term Credit Insurance:
    Cover for trade receivables with payment terms up to 12 months.
  • Medium-Term Credit Insurance:
    Extended cover for credit terms ranging from 1-5 years, ideal for capital goods or project-based exports.

Policy Structures:

  • Single Debtor Insurance - Tailored cover for a specific buyer.
  • Multi-Debtor Insurance - Cover for a defined group of buyers.
  • Whole Turnover Insurance - Covering all eligible receivables.
  • Bespoke Structures - Customized based on client risk profile and commercial needs.
Non-Trade Credit Insurance

Covers risks not linked directly to sale of goods but to broader financial or contractual obligations.

  • Political Risk Insurance (PRI):
    Protection against losses from government actions such as expropriation, currency inconvertibility, political violence, or contract frustration.
  • Contract Frustration Insurance:
    Covers losses due to a buyer or sovereign failing to fulfill a contract due to political or administrative interference.
  • Sovereign Non-Payment Insurance:
    Safeguards against the failure of sovereign or public sector buyers to honor debt or payment obligations.
Strategic Risk Mitigation Tools
  • Credit Risk Mitigation:

    Enhance balance sheet protection and enable safe business expansion into new or emerging markets.

  • Capital Optimization Solutions:
    Basel III/IV compliant insurance solutions that help banks and financial institutions manage capital adequacy through risk transfer mechanisms.At Trinity Group, we empower financial institutions with advanced credit enhancement tools to manage concentration risks, unlock capital, and extend lending capacity—safely and strategical.Whether it's covering a broad portfolio or enabling a deeper exposure to a specific obligor, our solutions are designed to provide both flexibility and regulatory efficiency.
Portfolio & Single Obligor Credit Guarantees

Our Credit Guarantee Solutions are structured to protect lenders against default risk—either across a portfolio or for a single borrower—enabling more confident credit deployment while optimizing capital adequacy under Basel III.

Key Features & Benefits:

  • Dual Coverage Capability
    Support for both diversified loan portfolios and high-value single obligors, including sovereigns, banks, and corporates.
  • Capital Relief Under Basel III
    Policies are structured to deliver immediate Risk-Weighted Asset (RWA) and Capital Adequacy relief, boosting your lending headroom.
  • First-Loss and Full Cover Options
    Choose between first-loss protection for portfolios or up to 90% non-payment coverage for single obligors.
  • Credit Enhancement for Limit Extensions
    Facilitates single obligor limit extension without breaching internal risk thresholds or concentration norms.
  • Transaction-Based or Portfolio-Wide Structuring
    • Flexible application to
    • Bilateral and syndicated loans
    • Trade and supply chain finance instruments
    • Structured and project finance
    • Bank risk confirmations and performance guarantees
  • Custom Pricing Models
    Fixed premiums or “pay-as-you-go” options depending on utilization Structuring aligned with tenor, asset class, geography, and industry
    Risk Distribution with Rated Partners
    All risk is distributed through top-tier rated global insurance and reinsurance markets, ensuring financial solidity and compliance.

Who Can Benefit?

  • Banks and Development Financial Institutions (DFIs)
  • Multilateral agencies engaging in private sector risk transfer
  • Corporates or sovereigns seeking broader access to funding
  • Institutions operating in volatile, emerging, or frontier markets

At Trinity Group, we go beyond insurance—we enable strategic capital efficiency, enhanced credit availability, and robust risk control for today’s evolving financial environment.