Insurance broker services
An insurance broker can be a valuable partner for an international company operating in Finland. By working with a Finnish insurance broker, your company saves time, money, and hassle, and you make sure that you have adequate and appropriate insurance coverage for your business activities in Finland. We advise on statutory insurances and collective agreements, which affect what kind of insurance coverage your company and staff need.
Insurance broker is on your side
An insurance broker is on your side when it comes to business insurance matters. We compare offers from different insurance companies and find the best, most quality and cost-effective insurance solution for your organisation. As brokers, we know the specific features of different industries related to insurance, as well as the differences between Finnish and foreign insurances.
We identify the risks of your operations, help you protect yourself from insurable risks in the best possible way and minimise risks with good risk management. We also advise you on when it is advisable to take a reasonable risk and when to rather get a quality insurance cover.
By using the services of an insurance broker, you
- get expert help in business insurance matters
- save time, as you do not have to search and compare options or study the insurance terms of different companies yourself
- save money, as you do not pay for unnecessary, too expensive or overlapping insurances
- your insurance cover is not a ready-made package solution, but made with your organisation’s needs in mind, combining solutions from different insurance companies if needed
- get access to a wider range of insurances, as you can get insurance solutions from many different companies - including those international insurance companies whose only sales channel are insurance brokers
- get support and advice in case of damage and compensation matters.
If you are looking for a reliable and professional insurance broker in Finland, you have come to the right place. We are a team of experienced insurance advisors who can help you with all kinds of business insurance needs. Whether you need tendering insurance, liability insurance, property insurance, or any other type of insurance in Finland, we can help you find the best deal.
We have access to a large network of insurance companies in Finland and abroad, and can find you competitive prices with comprehensive coverage. We also assist you with the required insurances in Finland, such as social security contributions, workers’ compensation, and statutory pension.
We have experience in working with small, medium and large enterprises across various sectors. Our services are designed for organisations that have a turnover of over one million euros.
Contact us today and let us help you with your business insurance needs in Finland. We will provide you with a quote and a personalised consultation. We look forward to hearing from you!
How can we help?
All broker services
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.