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Business areas

General insurance has been our core business for more than 200 years. In Norway we also offer banking, pension and savings products.  The Group's operations are divided into six business areas.

General Insurance Private

Market leader in the private market
The Private segment provides a wide range of general insurance products and services to private individuals in Norway, and handles sales, customer service and claims settlement.

Private_2020

 

General Insurance Commercial

Market leader in the commercial market
The Commercial segment provides a wide range of general insurance products to commercial and agricultural customers, and the public sector in Norway. The segment handles sales, customer service and claims settlement.

Commercial_2020

General Insurance Denmark

Established player in an attractive market
The Denmark segment includes the Group’s general insurance operations in the Danish private, commercial and municipal markets. The segment handles sales, customer service and claims settlement. Approximately 40 per cent of earned premiums come from the private market, while the remainder comes from the commercial market, Gouda and Mølholm Forsikring.

Denmark_2020

General Insurance Sweden

Challenger in a mature market
The Sweden segment includes the Group’s general insurance operations in the Swedish private, commercial and municipal markets. The segment handles sales, customer service and claims settlement. Approximately 50 per cent of earned premiums come from the private market, while the other half comes from the commercial market.

Sweden_2020

General Insurance Baltic

Established participant in consolidated market with strong growth potential
The Baltic segment includes the Group’s general insurance operations in Lithuania, Latvia and Estonia, aimed at the private and commercial markets. The segment handles sales, customer service and claims settlement. Approximately 50 per cent of earned premiums come from the private market, while the other half comes from the commercial market.

Baltics

Pension

Well positioned in a growing market
The Pension segment offers defined contribution occupational pension schemes for businesses, in addition to individual pension savings agreements and disability pension. Pension is a priority area that helps to ensure that Gjensidige can be a complete supplier of insurance and pension products to private and commercial customers. The business contributes to stronger customer relations and loyalty among our general insurance customers. ‘Individual pension account’ will be launched in the market in 2021, and Gjensidige is well under way with the preparations for the scheme.

Pension_2020