This information can be provided in the form of an insured credit limit that reflects their creditworthiness alongside insurers sharing their knowledge with their customers.  In the circumstance that one of your customers is experiencing difficulties, they may also be able to provide valuable insights and market intelligence for you.For smaller credit balances, insurers allow you to grant your own limits; either from a credit rating agency (for example, Experian, Creditsafe or Graydons) or based on your previous trading experience with the customer.  This cover is known as a discretionary limit.