Business areas

If’s business activities are operated with a pan-Nordic perspective. The business is subdivided into client segments within the business areas of Private, Commercial and Industrial.

The Baltic countries, with their special market conditions, are a separate business area.

    Private

    The Private business area is If's largest with 48 per cent of total premiums revenue.

    Commercial

    The customer is small and medium-sized companies with up to 500 employees. The commercial clients are responsible for approximately 30 per cent of If's premiums revenue.

    Industrial

    The Industrial business area has around 1,000 clients and constitutes 16 per cent of If's premiums revenue. The clients are larger companies with a complex insurance requirement, a turnover of more than MSEK 500 and with more than 500 employees. 

    The Baltic countries

    In 2002, we introduced our brand onto the Baltic markets. If is the largest insurance company on the Estonian market.

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