Find an Experienced Insurance Broker in Finland
As a trusted insurance broker in Finland, we specialize in providing tailored insurance solutions for businesses. Our experts help you save time and money by finding the best coverage, avoiding unnecessary costs and gaps in protection. We compare options from multiple providers to ensure optimal security for your business. Additionally, we offer competitive group insurance plans designed specifically for companies.
Time Savings
Cost Savings
Better Insurance Coverage
How can we help?
All Broker Services for Businesses in Finland
An Insurance Broker Helps Your Business with Insurance Matters
A Professional on Your Side
As your trusted insurance broker in Finland, we are dedicated to supporting your business with all insurance-related matters. We compare offers from multiple insurance providers on your behalf to find the most suitable, high-quality, and cost-effective solutions for your company. With extensive experience in various industries, we leverage our knowledge to negotiate the best terms for your business’s unique needs.
Thorough Risk Analysis
We conduct a comprehensive risk analysis for your business, identifying potential risks and helping you protect your organization with the most appropriate insurance coverage. Through strategic risk management, we aim to minimize your exposure to unforeseen events. We also provide expert advice on when it makes sense to take a calculated risk and when it’s better to secure premium insurance protection.
Assistance with Claims and Insurance Matters
As our business client, you’ll receive support with all insurance and claims-related matters. We’re here to assist you in navigating any issues that arise, ensuring your business remains protected and that claims are handled efficiently.
What Cooperation with an Insurance Broker Looks Like
Insurance Analysis
The first step in working with an insurance broker is a comprehensive insurance analysis. We assess your current coverage in relation to your business needs and the insurance market. We’ll also discuss if it’s the right time for your organization to tender for insurance. After the analysis, you will have a clear understanding of your business's risks, how they are currently covered by insurance, and where your current insurance plan excels or falls short. You will receive a detailed, written plan that highlights your insurance strengths and weaknesses, which you can use to improve your coverage.
Read more about insurance analysisTendering Insurance
Once your insurance analysis is complete, we’ll request comparable offers from multiple insurance providers. After reviewing the options, we’ll recommend the most suitable coverage for your business and handle the purchase of your new insurance on your behalf. By tendering your business insurance, we ensure that your coverage matches your specific needs while securing the most competitive price available.
Read more about tendering insuranceInsurance Management
For most of our clients who have completed insurance analysis and tendering, we recommend ongoing insurance management. With a professional managing your organization’s insurance, you can rest assured that everything is always up-to-date and in order. We take care of renewals, changes, invoice revisions, and more. Through our exclusive S&P Online service, you can easily access and manage all your insurance coverage in one place, no matter how many insurance providers you work with.
Read more about insurance management
An Insurance Broker is a Professional Buyer of Business Insurance
Do you ever feel that insurance companies struggle to provide suitable coverage for your business, or that the terms offered are unreasonable? In these cases, an insurance broker can be an invaluable partner.
Your broker can negotiate special terms, clarify coverage details, and secure any necessary adjustments to ensure your business has the right protection. At Söderberg & Partners, one of Finland’s largest insurance buyers, we have a strong foundation for negotiating favorable terms and customizing your business insurance contracts.
As part of a large Nordic group, we also have access to a comprehensive international insurance network. This not only ensures expert protection for your global operations but also provides the opportunity to source insurance coverage from the international market if suitable options are unavailable in Finland.
FAQ
An insurance broker is your trusted partner in managing your business insurance, risk management, and claims. The broker takes a comprehensive approach to understanding your company’s operations, identifying the specific needs of your industry, and tailoring insurance solutions to protect your business effectively.
Your broker ensures that your company’s insurance is always up-to-date and regularly reviews your coverage. They provide expert recommendations for necessary changes, helping you maintain optimal protection and ensuring that your coverage stays competitive. The broker will also advise you on when it’s the right time to tender your insurance policies. Furthermore, they keep you informed about new insurance products and solutions that may benefit your business.
When your company enters into a management contract with an insurance broker, the broker handles all day-to-day insurance matters on your behalf. They provide regular updates, ensuring your company’s insurance remains aligned with market prices and optimal coverage.
At Söderberg & Partners, you are assigned a personal insurance broker who serves as your dedicated point of contact. With 13 locations across Finland, from Helsinki to Rovaniemi, we offer localized support to businesses throughout the country. Additionally, our global network allows us to provide services for your international operations as well.
Forget the hassle of waiting in insurance company phone queues—let your dedicated insurance broker handle all your needs. At Söderberg & Partners, we also offer services to optimize your employee benefits to ensure your team is well-covered.
Insurance brokerage services are invaluable for companies that lack the resources, time, or expertise to manage their own insurance matters effectively. Engaging a professional insurance broker can streamline your insurance processes, ensuring your business is properly protected while saving you time and effort.
Brokerage services are especially beneficial if your company:
- Owns expensive equipment, machinery, production facilities, or other specialized assets
- Employs a large workforce
- Engages in subcontracting or operates in international markets
- Works in an industry with complex insurance needs, or has significant liability issues that require specialized liability insurance
If your business involves navigating intricate insurance requirements or managing multiple risks, an insurance broker can provide the expertise and negotiation power needed to secure optimal coverage.
However, for sole proprietors, start-ups, or small businesses, brokerage services may not always be cost-effective. In such cases, alternative, more affordable insurance solutions might be a better fit.
The true value of an insurance broker lies in the quality of service, not just the price. While it's often the case that the price decreases as we work on your behalf, the primary benefit of working with a professional insurance broker is ensuring that your organization’s operations, staff, and assets are comprehensively protected in the best possible way.
An experienced insurance broker understands market prices and knows how to negotiate with insurers to secure the best terms for your business. Depending on your needs, special conditions can often be negotiated for your insurance policies. In most cases, you'll receive better coverage at a lower price. This cost difference can often offset the broker’s commission, meaning you could save money in the process.
In addition to cost savings, you’ll also save time—time that you can reinvest in more valuable activities for your business. You can request tailored insurance reports whenever you need them and manage everything from a single platform using our convenient S&P Online service, which allows you to view up-to-date coverage across all insurance companies used by your organization.
Furthermore, your broker will help you take full advantage of additional services offered by insurance companies. Your team will also have direct access to your broker for any insurance questions or claims management, ensuring that your business's needs are always met promptly and professionally.
A reliable insurance broker operates under strict regulations and standards to ensure high-quality service and professional conduct. The insurance broker profession is regulated at the EU level, meaning only qualified professionals can work as brokers. Additionally, the brokerage office must employ a sufficient number of brokers who have completed a recognized insurance brokerage qualification (in Finnish).
In Finland, insurance brokers are supervised by the Financial Supervisory Authority (FIN-FSA), which ensures that brokers adhere to industry standards and ethical practices. The Financial Supervisory Authority also maintains an official register of licensed brokers, so you can easily verify whether a broker is authorized to operate.
Moreover, the Finnish Association of Insurance Brokers (SVAM) supports professional, independent brokerage practices. On SVAM’s website, you can find a comprehensive list of licensed insurance brokers who are registered with the association, ensuring that you are working with a reliable, certified expert.
For many start-up businesses, insurance needs tend to be relatively modest, and hiring an insurance broker may not always be cost-effective. In such cases, smaller or simpler insurance solutions might be more suitable for the business.
However, if your start-up operates in an industry that requires complex or specialized insurance coverage, or if your business needs insurance from foreign insurers, hiring a professional insurance broker can be highly beneficial. A broker can navigate the complexities of securing the right protection, even if your business needs are unique or global in nature.
When selecting an insurance broker for your business, consider these key factors to ensure you make the right choice:
- Verify the Broker’s Registration: Ensure the brokerage firm is registered with the Insurance Mediation Register maintained by the Financial Supervisory Authority (FIN-FSA). You can verify this information on the FIN-FSA website to confirm that the broker follows proper insurance mediation practices.
- Assess Their Expertise: Ask what types of insurance and services the broker offers. Look for a broker with experience and knowledge specific to your industry and needs. For example, if you require international insurance coverage, choose a broker with a strong global network and specialized expertise.
- Compare Pricing and Terms: It’s important to compare prices, services, and terms across different brokers. Ensure you understand what you’re paying for and what you’ll receive in return. Opt for a broker who is transparent about pricing and compensation.
- Check Reputation and Experience: Review the broker’s experience and reputation. Ask for recommendations from other clients or industry peers who have used their services. Online reviews and feedback can also provide valuable insights into their track record.
- Evaluate Customer Service and Communication: Contact the broker to assess their customer service. A good broker should respond promptly, listen attentively to your needs, and communicate clearly. Choose a broker who is easy to reach and offers excellent customer support.
The cost of our insurance brokerage services depends on the scope of the services you require and the complexity of your insurance needs. Because of this, we are unable to provide fixed pricing or a price range on our website.
However, after our initial consultation, we can offer an indicative estimate of what our services might cost based on your organization’s specific requirements. During this meeting, we will also let you know if we believe our services are not the right fit for your business.
