Insurance broker services
An insurance broker ensures that you don't pay for unnecessary business insurance or leave gaps in your insurance coverage. A broker is an expert independent of insurance companies who helps to obtain cost-effective and functional business insurance. An insurance broker acquires the best insurance cover in the way that makes the most sense - sometimes by picking the best solutions from several companies. This is convenient for the customer because he is still dealing with one person. Through its international networks, the broker is also able to offer various special insurances that cannot be accessed without an insurance broker.
An insurance broker helps you get the best possible insurance coverage for your company's operations. A broker is an insurance expert who does not represent any insurance company. Rather, they always work to benefit you, the client. The insurance broker knows business insurance like the back of their hand, and they also know the insurance needs of a wide variety of businesses.
When you work with an insurance broker, you get to take advantage of the best business insurance prices and avoid overlapping insurance. The broker identifies the risks related to the business of the company you represent and ensures that risks are taken into account in the company's insurance policy. You do not need to worry about whether your insurance is up to date – the broker takes care of that for you.
Most importantly, your company may also benefit from insurance policies that could not be accessed without the help of an insurance broker. Such policies include insurance solutions available on the international market, for example.
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An insurance broker is your trusted partner in matters related to business insurance, risk management and claims. The insurance broker examines the business of the company you represent in depth and identifies the special needs of your industry.
They will make sure your company's insurance is up-to-date, and they will also regularly review your coverage. The broker will also make proposals for changes to improve insurance coverage and will tell you when it is time to tender. In addition, the broker will keep you informed of new insurance solutions and other matters that could suit the business of the company you represent. When your company has a management contract with an insurance broker, the broker handles daily insurance matters on your behalf, reports on how things are progressing and ensures that the company's insurance coverage remains at market price.
At Söderberg & Partners, the client is always assigned a personal insurance broker. Our insurance brokers offer services in 16 locations in Finland, from Tampere to Vaasa and Oulu. We also offer local services abroad through our diverse contact network. Forget queueing at the insurance company's phone service – let your insurance broker take care of things. At Söderberg & Partners, you can also ask us to optimise your employee benefits.
Insurance brokerage services are useful for companies that do not have the desire, resources or know-how to handle insurance matters themselves.
Brokerage services are particularly useful if your company owns expensive equipment, machines, production facilities or other special assets, employs a large number of employees, enters into subcontracts or operates in international markets.
An insurance broker may also be necessary if the company's industry or business requires challenging insurance or if the operation, industry or contracts involve a lot of different liability issues and liability insurance needs.
For sole proprietors, start-ups or small companies, however, brokerage services are usually not sufficiently cost-effective.
An insurance broker will tender the company's insurance on your behalf. You save on the company's budget and your valuable time by letting the insurance broker handle the tendering of your company's insurance policies. The broker is a professional in the industry: they acquire and tender insurance coverage for a living. This means that the broker has a very good sense of the pricing and terms and conditions of different insurance policies. If necessary, the insurance broker can also negotiate special terms and conditions for insurance coverage, for example.
In Finland an insurance broker always represents you, their client, never an insurance company. As our client, you will be able to choose from a wider selection of insurance, because we have access to an international insurance market and services from operators who only offer their services through an insurance broker.
The profession of an insurance broker is regulated at the EU level and only an insurance professional can be an insurance broker. The brokerage office must also have a certain number of brokers who have completed an insurance brokerage qualification (page in Finnish). Insurance brokers in Finland operate under the supervision of the Financial Supervisory Authority. The Financial Supervisory Authority also maintains an insurance agent register of licensed insurance brokers. The Finnish Association of Insurance Brokers (SVAM) promotes professional and independent brokerage activities. On SVAM's website, you can find all operators registered with the Finnish Association of Insurance Brokers.
