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Licenses

GBN

GBN Worldwide is the World’s Insurance Network®, an eco-system made up of the world’s leading (re)insurers, independent brokers, and specialty suppliers. Our membership of GBN Worldwide enables us to transact international business anytime, anywhere, and in every language.

 

GBN Worldwide has:

  • Over 120 Independent Members in more than 140 Countries
  • A presence in over 230 Cities, with 225 Offices and 50,000+ Team Members Worldwide 
  • Carrier membership includes several of the world’s largest insurance carriers including AXA XL, Chaucer, Hiscox, Arch Insurance, Markel International and Aspen Insurance
  • Over $10 Billion in premium is being transacted

Strongest in Finland

A company that has earned the Strongest in Finland -certificate has a credit rating in the top two category (AAA or AA+). The certificate is a sign of a company’s positive financial figures, background information and good payment behaviour. That tells the customers, partners, credit allowers and other stakeholders that cooperation with the company is on a steady foundation. The certificate is based on the Rating Alfa -credit rating of Suomen Asiakastieto.

Contractor’s Obligations and Liability

The Act on the Contractor’s Obligations and Liability when Work is Contracted Out (22.12.2006/1233) obligates a client to check that their contracting partners fulfill their legal obligations as contracting party and employer. The Act aims at preventing “grey”, or undeclared, economy, and its purpose is to promote equal competition between companies as well as compliance with terms of employment. The Regional State Administrative Agency for Southern Finland is the body that monitors compliance with the Act in Finland.

The Act stipulates that the client requests and the contracting partner supplies information and certificates that are no older than three (3) months:

  • An account of whether the enterprise is entered in the Prepayment Register as stipulated in the Prepayment Act (1118/1996), the Employer Register and the Value Added Tax Register as stipulated in the Value-added tax Act (1501/1993)
  • An extract from the Trade Register
  • A certificate that demonstrates that the enterprise does not have tax debt as defined in paragraph 2 of subsection 1 in section 20 b of the Act on the Public Disclosure and Confidentiality of Tax Information (1346/1999), or an account given by an official regarding the tax debt
  • Certificates of pension insurances arranged for employees and of pension insurance premiums paid, or an account that a payment agreement on outstanding pension insurance premiums has been made
  • An account of the collective agreement or the principal terms of employment applicable to the work
  • An account of provided occupational healthcare
  • A certificate of mandatory accident insurance required in the building sector

The Finnish Insurance Broker Association

One objective of the association is to act as a national link between brokerage companies and to promote independent and professional insurance brokerage activity in Finland.

Operation of the Finnish Insurance Broker Association:

  • The association’s Board of Directors actively monitors the overall development of insurance brokerage activity and shares this information for the benefit of its members.
  • The association manages the distribution of external information to the media by disseminating up-to-date information about insurance brokerage tasks, services and added value provided to customers.
  • The association gives statements to authorities and takes initiatives to develop brokerage legislation.
  • The association participates in the professional development of its members by maintaining the content and criteria of the insurance broker’s examination.
  • The association is a founding member of Suomen Vakuutustiedon kehittämissäätiö, which maintains educational and training standards within its field.

Bisnode Gold

The AAA credit rating categorizes the company into seven categories. The highest credit ratings are required for above-average financial ratios, positive background and payment behavior, and sufficient business volume.