Accept

What Accept does

Accept Försäkringsaktiebolag (publ) is a privately owned Swedish insurance carrier founded in 1998 and headquartered in Bromma, Stockholm, operating under Finansinspektionen supervision. The company pioneered private income insurance (inkomstförsäkring) in Sweden and remains a specialist provider in this narrow category, with an internet-based distribution model that eliminates commissioned sales staff in favor of direct-to-consumer online sales. Its core product range includes income insurance for permanently employed individuals (12-month qualification, 120 or 300 compensation days), income insurance for self-employed individuals and CEOs (18-month qualification, 300 days), a Plus extension on union-collective income insurance, plus specialty covers: Loss of Licence for pilots and air traffic controllers, termination dispute insurance, and travel insurance. The technical platform is a web-based sales and self-service system with BankID authentication for policy login, change, and claims. The underlying revenue mechanics are recurring monthly insurance premiums collected via autogiro, priced individually by salary band (35,000-110,000 SEK/month) and a-kassa membership, plus a small cross-border channel with Denmark via N.I.S.H. Forsikringsservice A/S.

The business is majority owned by the Norwegian family investment company Rieber & Søn AS. In June 2025 the company acquired a 78% stake in Norway-based WaterCircles Forsikring ASA — a multi-line insurer with more than NOK 1 billion in annual premium income — extending Accept's geographic footprint from Sweden and Denmark to Norway and broadening the product set into property & casualty and small-business lines. WaterCircles retains independent Norwegian operations and brand. Accept also took over the E.N. Sak Försäkring portfolio in April 2012 (approximately 10,000 customer policies transferred). Distribution is primarily through the company's own website, with travel insurance distributed through selected Nordic and German travel agencies. The company is undergoing a CEO transition, with Camilla Bredrup taking over as CEO effective April 1, 2026.

Name

Accept

Legal name

Accept Försäkringsaktiebolag (publ)

Website

https://accept.se

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Accept Försäkringsaktiebolag is a privately owned Swedish insurance carrier founded in 1998 that specializes in income protection insurance (inkomstförsäkring) for employed and self-employed individuals in Sweden, with cross-border Nordic operations and a 2025 majority stake in Norwegian insurer WaterCircles Forsikring ASA.

Ownership category

akta.pro rank

Product category

Income Protection Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)

Keywords

• Income protection insurance
• Unemployment insurance supplement
• Certificate loss insurance
• Travel insurance
• Termination dispute insurance

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Insurance premiums: Accept generates revenue through monthly insurance premiums paid by customers. Premiums are determined individually based on the customer's salary level and which unemployment insurance fund (a-kassa) they belong to. Payment is made via autogiro (automatic direct debit). The company keeps costs low by selling directly through its website without expensive sales staff, allowing for lower premiums.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Accept is a privately owned Swedish insurance company that sells internet-based, niche insurance products directly to individuals via its own website. Its core product is Inkomstf\u00f6rs\u00e4kring (income insurance), which supplements Swedish a-kassa unemployment benefits to cover salaries above the SEK 34,000/month ceiling and pays compensation for up to 300 days (approximately 13 months) of involuntary unemployment. The company also sells specialty lines including Loss of Licence insurance for certificate-dependent professionals, travel insurance through selected travel agencies, and Upps\u00e4gningstvistsf\u00f6rs\u00e4kring (termination-dispute legal-cost insurance), and it operates across the Nordics via Danish partner N.I.S.H. and Norwegian subsidiary WaterCircles Forsikring ASA.

Product overview

Accept is a privately owned Swedish insurance company (Accept Försäkringsaktiebolag (publ)) founded in 1998, operating as an online-first insurance provider under Finansinspektionen supervision. The company specializes in income protection and unemployment-related insurance products. Its core product is the Inkomstförsäkring (Income Insurance), offered in multiple variants: Inkomstförsäkring för anställda (for permanently employed, 12-month qualification, 120 or 300 days), Inkomstförsäkring för egenföretagare (for self-employed/CEOs, 18-month qualification, 300 days), and Facklig/Plusförsäkring (extending union collective insurance to day 300). Specialty products include Loss of licence-försäkring for pilots, Reseförsäkring (travel insurance) sold via travel agencies, and Uppsägningstvistsförsäkring (termination dispute insurance). A cross-border variant for Denmark/Sweden commuters is administered via partner N.I.S.H. Legacy Löneförsäkring products from the E.N. Sak acquisition remain in force but are no longer sold. The company also acquired a 78% stake in Norwegian insurer WaterCircles Forsikring ASA in June 2025.

Differentiator

Problem solved

Functional benefit

Brands

• Plusförsäkring: Extended income insurance product that supplements union/collective income insurance to extend coverage up to 300 days
• Löneförsäkring

Products and services

• Inkomstf\u00f6rs\u00e4kring f\u00f6r anst\u00e4llda (Income Insurance for Employees) Income insurance for permanently employed Swedish individuals (tillsvidareanst\u00e4llda) that supplements a-kassa unemployment benefits. Requires a 12-month qualification period, covers gross salaries of SEK 35,000\u2013110,000 per month, and can be chosen for either 120 or 300 compensation days.
• Inkomstf\u00f6rs\u00e4kring f\u00f6r egenf\u00f6retagare (Income Insurance for Self-Employed) Income insurance for Swedish self-employed professionals (egenf\u00f6retagare) and registered company executives (VD). Requires an 18-month qualification period, covers gross salaries of SEK 35,000\u2013110,000 per month, and pays compensation for up to 300 days upon involuntary unemployment.
• Facklig inkomstf\u00f6rs\u00e4kring / Plusf\u00f6rs\u00e4kring (Union / Plus Income Insurance) Plus insurance that extends union or collective income-insurance policies to day 300. Activates after the union's base insurance (typically 100\u2013200 days) expires, providing an additional 100\u2013240 days of coverage and raising the insured salary ceiling to SEK 85,000\u2013110,000/month during the extended period.
• Inkomstf\u00f6rs\u00e4kring (Income Insurance) \u2013 core umbrella product Category-defining umbrella income-insurance product from which all employee, self-employed, union/Plus, and Denmark/cross-border variants are derived. Pays compensation for up to 300 days (approximately 13 calendar months) when the policyholder becomes involuntarily unemployed, covering both a-kassa unemployment benefits and activity support from F\u00f6rs\u00e4kringskassan and topping up salaries above the SEK 34,000/month a-kassa ceiling.
• Loss of Licence-f\u00f6rs\u00e4kring (Certificate Loss Insurance) Specialized insurance for pilots, air traffic controllers, and other professionals whose occupations require a valid medical certificate. Pays out if the certificate is permanently lost, helping cover the cost of lost income or retraining.
• Resef\u00f6rs\u00e4kring (Travel Insurance) Complementary travel insurance sold through selected travel agencies in the Nordic region and Germany. Covers trip cancellation, medical care abroad, lost baggage, travel delays, and emergency assistance, and is positioned as a supplement to basic travel coverage in home insurance.
• Upps\u00e4gningstvistsf\u00f6rs\u00e4kring (Termination Dispute Insurance) Insurance covering legal costs and assistance in disputes related to termination of employment. Covers negotiations on severance terms, lawyer fees, and court costs. Requires the policy to have been held for at least 6 months before the events giving rise to the dispute.
• L\u00f6nef\u00f6rs\u00e4kring (Wage Insurance) \u2013 legacy line Legacy wage insurance policies inherited from E.N. Sak F\u00f6rs\u00e4kring i Europa AB in 2012. These policies can pay out after a 20\u2013150-day waiting period for up to 280 compensation days. No longer sold; existing policyholders may modify coverage or switch to Accept's current income-insurance products.
• Inkomstf\u00f6rs\u00e4kring Danmark / Gr\u00e4nspendlare (Denmark / Cross-Border Commuter Income Insurance) Income insurance (l\u00f8nsikring) adapted for cross-border commuters living in Sweden and working in Denmark, administered through partner N.I.S.H. Forsikringsservice A/S. N.I.S.H. also offers the same product for Danish residents needing Danish-scheme income insurance, with service delivered in both Danish and Swedish.

Quantifiable outcome

• 300 compensation days - equivalent to approximately 13 months of benefits (5 working days per week)
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• WaterCircles Forsikring ASAcoreStrategic or Co-development Partner · 4 June 2025Accept acquired 78% of WaterCircles Forsikring ASA shares in June 2025. WaterCircles is a Norwegian insurance company focused on customers with better risk profiles than the market generally, offering comprehensive insurance solutions for private customers with greater needs and small business customers in selected industries. The company has annual premium income exceeding 1 billion Norwegian kroner and will continue to operate as an independent Norwegian insurance company with Norwegian concession under its own brands.
• N.I.S.H. Forsikringsservice A/ScoreChannel Partner/ Reseller/ Distributor · 6 October 2014N.I.S.H. (Norwegian Insurance Service Handler) was established in Denmark in 2012 in connection with Accept's expansion into Denmark. They handle all Accept's Danish income insurance (lønsikring) and accident insurance for the Swedish market. N.I.S.H. offers services in both Danish and Swedish, and manages income insurance for cross-border commuters living in Sweden but working in Denmark, as well as Danes living in Denmark who want Danish income insurance.

Scale indicators6 records

Recent moves8 records

Expansion highlights7 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/accept-f-rs-kringsaktiebolag

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Accept