An insurance broker helps you insure correctly
An insurance broker is your best friend when you want to save time and money in insurance matters. We help ensure that you don't pay for unnecessary insurance or leave gaps in your insurance coverage. Your own insurance expert helps to minimize the risks of your operation and obtains the best insurance solutions for your security - sometimes by selecting them from several companies. You can also get competitive group insurance from us.
Time saving
Cost savings
Better insurance coverage
How can we help?
All broker services
An insurance broker helps with insurance matters
A professional on your side
The insurance broker is on your side in insurance matters. We compare the offers of different insurance companies on your behalf and look for the most suitable, highest quality and cheapest insurance solution for you. As brokers, we know the special features of different industries in relation to insurance and are able to utilize our experience in negotiations.
Thorough risk analysis
We carefully go through the risks of your operation, help protect yourself from risks with insurance in the best possible way, and reduce and reduce risks with good risk management. We also advise when it's worth taking a reasonable risk and when it's better to get high-quality insurance coverage.
Help with claims and insurance matters
As our insurance broker client, we help you in all insurance and damage matters and advise you and your colleagues in any problems that may arise.
This is what cooperation with a broker looks like
Insurance analysis
We recommend starting with an insurance analysis with a broker, where your current insurance coverage is examined in relation to insurance needs and the insurance market. We will also discuss whether it is the right time for your organization to tender for insurance. As a result of the analysis, you will know the risks of your operation and understand how the risks are currently protected with insurance. You identify the strengths and weaknesses of your insurance solution and have a written plan that you can use to develop insurance coverage.
Read more about insurance analysisTendering insurance
We ask the insurance companies for comparable offers, make a recommendation for the most suitable insurance cover and put the new insurance cover into effect on your behalf. As a result of the competition, your operation is insured in accordance with the insurance plan and the insurance has been purchased at the best possible price.
Read more about tendering insuranceInsurance management
We recommend continuous insurance management to most of our insurance analysis and bidding clients. When a professional manages your organization's insurance, you can be sure that insurance matters are always in order. We handle for you e.g. insurance renewals, changes and revisions of invoices. We manage all our customers in our unique S&P Online service, where the entire insurance coverage can be seen at a glance, regardless of the number of insurance companies.
Read more about insurance management
An insurance broker is a professional buyer of insurance
Do you sometimes feel that insurance companies can't find suitable insurance coverage for your organization or that the terms are unreasonable? Especially in such situations, it is worth using the help of an insurance broker.
Your broker can negotiate special conditions, clarifications and other necessary changes to insurance coverage with insurance companies. At Söderberg & Partners, as one of Finland's largest insurance buyers, we have an excellent starting point for negotiating the content of insurance contracts.
As part of a large Nordic group, we have comprehensive international insurance networks. This means not only the expert protection of your own international operations, but also the possibility of looking for insurance coverage on the international market when no suitable insurance can be found in Finland.
FAQ
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.
When choosing an insurance broker, you should consider the following things:
- Make sure that the insurance broker company is registered in the insurance intermediary register maintained by the Financial Supervisory Authority. You can check this on the Financial Supervisory Authority’s website1. This way you can ensure that the insurance broker is reliable and follows good insurance intermediary practice. Ask what kind of insurance and services the insurance broker offers.
- Look for an insurance broker who has experience and expertise in your industry and your needs. For example, if you need international insurance coverage, choose an insurance broker who has a wide international network and knowledge. Compare the prices and contract terms of different insurance brokers.
- Find out what you pay for the insurance broker’s services and what you get in return. Choose an insurance broker who is open and honest about their pricing and compensation.
- Check the insurance broker’s experience and reputation. Ask for recommendations from other customers or acquaintances who have used the insurance broker’s services. Read also reviews and feedback on the internet. Choose an insurance broker who has received good ratings.
- Evaluate the insurance broker’s customer service and communication. Contact the insurance broker and see how quickly and kindly he or she responds to your questions. Choose an insurance broker who is easily accessible, listens to you and meets your needs.
