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Using Insurance Broker Saves Soupster Family Both Money and Time

While going through firm’s insurance coverage with Söderberg and Partners Kim Heiniö, CEO of Soupster Family, noticed Soupster had been a great customer for their insurance company for over 10 years.

'My company has a wide variety of insurances. During the years we’ve paid high insurance premiums and reported only some smaller claims', Heiniö says.

'Insurance broker told me we are such a good and risk-free customer that there is certainly room for a negotiation.'

Söderberg & Partners conducted an in-depth insurance analysis for Soupster Family. The broker even found a few uninsured risks that could have caused a considerable loss in the event of damage.

Following a full insurance analysis Soupster's whole insurance coverage was put out to tender. The broker handled all requests for quotations, made a comprehensive comparison and analysis of the ones received, and negotiated the outcome with the insurance company.

Heiniö was so pleased with the service that he ended up signing an ongoing care agreement with Söderberg & Partners.

'Going through all the insurance is a terrible hassle and includes so many details. I want someone to take care of the whole show for me', he notes.

'I’m looking forward to seeing the outcome on any possible claims cases in the future. The broker will take those under his care in the future as well.'

A Recommendation From a Colleague Was Important

In the restaurant and catering industry there is a lot to consider when it comes to insurance. The company property has to be covered along with equipment used through leasing and in catering also customer's property. In restaurants their personalized interior design solutions are often the most expensive parts in addition to kitchen technology.

You also need coverage for possible business interruptions, such as an illness of key personnel or a salmonella epidemic on the premises.

Restaurants mostly operate in rented premises, sometimes e.g. in value apartments and shopping malls. Catering on the other hand is done in customers' premises which vary a lot. Equipment breakdowns or power outages are critical when storing perishable products. Melting freezer can also cause significant damage to the property.

'A colleague's recommendation was an important reason to try out a broker, especially since he is in the same industry. He said the insurance broker has expertise and that through a broker it would be possible to get a better price. So I did chose to try out a broker with price on my mind', Heiniö mentions.

Heiniö’s colleague had used an insurance broker, given up using it, and then returned back to the broker when the prices of his insurance began to rise.

Soupster Family

Soupster Family, founded by Kim Heiniö, includes 12 operating companies and 30 locations, with more than 200 employees. At the heart of Soupster's operations are personal indie lunch restaurants in Helsinki. In addition, the family’s activities include several dinner restaurants, bars, banquet facilities, event management, catering and a coworking workspace.

Insurance broker brings ease and peace of mind to Raumaster’s daily life

Raumaster does not employ anyone who would manage the company’s demanding, multi-dimensional insurance package. Instead, insurance-related matters are addressed among other tasks. The services of an insurance broker have made the company’s insurance matters much easier.

The insurance broker handles the entire management process of Raumaster’s insurance, taking care of all required changes and updates.

“We never have to worry who in the insurance company knows about what. Instead, we can contact our broker. They will make the necessary enquiries for us if they do not have a ready answer themselves,” says Raumaster’s Chief Financial Officer Sannamari Rasilainen.

Rasilainen values the services of the insurance broker because they know the ins and outs of the company and the industry. The company’s products and supply methods are familiar as a result of several years’ cooperation, so things do not need to be explained in detail.

Insurance broker takes care of practical matters

Raumaster holds annual meetings with their broker where the overall situation concerning insurance coverage is reviewed and future developments of the coverage are discussed. Rasilainen and the broker contact each other flexibly about daily matters.

“I don’t need to remember about submitting various reports to different places, the broker will keep me up to date on what information is required and where,” says Rasilainen.

The broker has also been very helpful in comparing insurance providers. Raumaster has arranged competitive insurance biddings several times over the years.

“We are not required to know the entire terminology of the insurance sector in the bidding processes. The broker will handle all paperwork and request the necessary information from us. We will receive ready-made comparisons and analyses from the broker. The broker can also recommend a suitable time for each competitive bidding process,” says Rasilainen.

Insuring different phases of projects requires accuracy

Raumaster provides the energy, cellulose and paper industry with material handling systems. Their operations involve a lot of extensive projects where the company handles everything from sales, project management and procurement to manufacturing, installing and warranty responsibility.

As the company bears the overall risks of the project, all phases must be carefully covered by insurance. Different phases of the projects are carried out all around the world, which has been taken into account in the coverage. The insurance broker will also provide consultation regarding sales contracts and what insurance requirements should or should not be accepted in the contracts.

“We make entries of completed contracts instead of partial deliveries. As the projects can last as long as four years, the sales process has to be extensively covered by insurance,” says Rasilainen.

“It is also important to enter requirements regarding the risks borne by different parties in the contracts.”

Raumaster also handles the insurance coverage of their Sweden-based subsidiary via the broker in Finland.

Flexible insurance coverage supports agile business

In a changing routine, insurance coverage must be flexible in order to not hinder business as a result of insurance obtainment processes. Whenever new deals or projects are made or agreed, the insurance coverage does not need to be updated every time, as Raumaster’s insurance coverage has been built to cover new business activities automatically.

“If something is not covered by insurance, it is always a considered risk on our behalf. We are constantly up to date on what is and what is not covered by insurance,” says Rasilainen.

“The best thing is to handle everything with a single service provider. Ease of use, that is what I value,” summarises Rasilainen.


Raumaster is a Group of technology companies from Rauma, Finland that provides the energy, cellulose and paper industry with material handling systems. The largest company of the Group, Raumaster Oy, provides about 280 people with jobs, and its turnover is 122 MEUR. Raumaster Group includes Raumaster Oy, a Sweden-based subsidiary Raumaster Ab and Raumaster Paper Oy from Rauma.

Serlachius Museums have relied on an insurance broker for years

2 June · 2021

Söderberg & Partners has had the pleasure of managing the insurance coverage of the widely respected Serlachius Museums for several years. Serlachius Museums is an exceptional site in Finland, and it has been delightful to work with them.

The two Serlachius Museums in Mänttä-Vilppula, Gösta and Gustaf, form a whole museum complex. The Gösta museum’s facilities also serve as the premises of a third-party fine dining restaurant entrepreneur. An artist residence is also located on the premises of the museum.

The Serlachius Museums has an ongoing insurance management agreement with Söderberg & Partners, and their insurance coverage has been updated and checked periodically. Artworks in general are relatively valuable and demand various precautions related to their transport, storage and handling.

“Some of the artworks are included in our overall insurance, but we also have separate insurances for exhibitions and certain artworks,” says Juha Roponen, Chief Financial Officer of Serlachius Museums.

Authenticity of a Monet revealed through scientific studies

One of the best-known artworks of the Serlachius Museums is Haystack in the Evening Sun by Claude Monet, a considerably valuable piece of art that has been part of the Serlachius Fine Arts Foundation’s collection since the late 1950s.

“There is no signature on the painting, and certainty of its authenticity could not be established until 2015,” says Roponen.

The University of Jyväskylä’s hyperspectral camera revealed Monet’s name and the year 1891 marked underneath a layer of paint. Pigment and fibre analyses also confirmed that the painting was genuinely by Monet.

“Authenticity of the painting could not be proven until now as the appropriate technology had not yet been developed,” says Roponen.

Insurance coverage across borders

In art, it can be impossible to find appropriate insurance coverage within Finland. Serlachius has obtained insurance coverage from Norway, among other countries, through the Söderberg & Partners international network. In addition to artworks and exhibitions, the Serlachius Museums has also taken out insurance for the historical museum properties in Mänttä.

Roponen says that he has been satisfied with the cooperation for several years. According to his contact person, Markku Rantanen, it has been a pleasure to visit the Serlachius Museums as a result of this cooperation, and he recommends everyone to visit the site.

Serlachius Museums

Art museum Gösta has been active in Mänttä from 1945 in the Joenniemi Manor, a home built by the highly respected industrialist Gösta Serlachius to entertain guests. The exhibitions of the Serlachius Museum Gustaf are related to the history and art of the paper industry. The museum building itself, a former headquarters of a forest company, is a sight to behold. There are more than 50 permanent and about 20 part-time or fixed-term employees at the Serlachius Museums, respectively. The museums are managed by the Gösta Serlachius Fine Arts Foundation, which is also responsible for managing the Gösta Serlachius art collection.


Photo: Serlachius Museums

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