Garnem is the leading serving company in credit risk assessment in construction sector. Unique in the French market, Garnem has developed, for the last 30 years, a robust risk database of payment experience in the construction sector, thanks to information pooling from its thousands of clients.
Located at Avignon (south of France), Garnem runs more than 300 regional meetings annually with its clients, allowing the company to aggregate exclusive and confidential information from them about their buyers' payment regularity & solvency experience, far from the automatic scoring only approach method.

Thanks to its unrivaled and proven knowledge of this sector risks, the four French leading credit insurers have agreed to delegate risk underwriting authority to Garnem, as part of their clients risks management procedures. This can be easily implemented any time in any existing credit insurance policy, through a basic dedicated endorsement.