The gap between the US and Europe in credit insurance use is as vast as the ocean that separates the two. But since the recession dug in its heels, American businesses have turned to what has typically been considered an unconventional method of protecting their accounts receivable, and credit insurance inquiries, credit insurance applications and use have skyrocketed. Credit insurance is dominated by the industry's "Big Three" -- Atradius, Coface and Euler Hermes -- which represent approximately 85% of the market. Coverage is based on a fraction of a percent of sales on a particular portfolio of accounts, which is a blend of higher-risk and stable companies. Red flags that pop up at trade credit insurers, which in turn force them to change policy coverage, can allow policyholders to adjust their credit terms, demand a depositor ensure a payment is received for an order already delivered before shipping a new one.