The component Insurance Management from R4CM provides a report showing all customers that are about to exhaust the existing insurance limits and gives system proposals to apply for all limit extensions to the insurer through the online interface. The trade insurer may partially accept the requested insurance limit but it may not be sufficient to cover current credit needs. The component Insurance Management enables the entering of additional insurance cover such as topliners and any other internal granted additional limits with validity dates. A credit decision work-flow to approve additional internal cover is automatically triggered in the component Risk Management when the system detects that credit needs exceed available coverages.