Sales activities and retaining good customers were the top priorities in the Commercial segment in 2017. Models based on analytics have been further developed to ensure continued high customer satisfaction and efficient distribution. New products and digital solutions adapted to changed customer needs were also launched. Strategic staff planning throughout the year helped to ensure good operational efficiency in the segment. There is a strong focus on competence building to ensure relevance and competitiveness in a professionalised procurement market.
General Insurance Commercial
The Commercial segment offers a wide range of general insurance products to the commercial, agricultural and municipal markets in Norway. Sales primarily take place through dedicated distribution channels, and only 20 per cent of the premium volume is brokered business. Gjensidige is market leader in general insurance for the commercial and agricultural markets. Most of the customer portfolio consists of small and medium-sized enterprises and agricultural customers.