With Ecuador phasing out fuel and transport subsidies, operating costs will rise sharply for logistics, agriculture, and retail sectors. As margins shrink, credit defaults - especially among SMEs - are expected to increase. In response, suppliers will increasingly turn to credit insurance. This will prompt legal scrutiny of policy exclusions, waiting periods, and subrogation rights. Insurers will need to reassess credit scoring models and adapt terms to higher volatility. Regulatory clarity on credit insurance disclosures and claims processes will be critical to ensure market confidence and fair dispute resolution.