Dalarnas Försäkringsbolag

What Dalarnas Försäkringsbolag does

Dalarnas Försäkringsbolag is a regional, customer-owned mutual insurance company headquartered in Falun, Sweden, founded in 1846 and operating as one of 23 independent regional companies within the Länsförsäkringsgruppen alliance. It serves private individuals, households, and small and medium businesses (including agricultural operations) in Dalarna county, providing property and casualty insurance (home, car, boat, personal, farm, and business), retail banking services, and pension and investment products under the unified Länsförsäkringar brand. Distribution is omnichannel: 23 regional offices across Sweden combined with a shared digital platform comprising a website, the award-winning Länsförsäkringar mobile app with BankID integration, and phone-based customer service.

The company generates revenue primarily through recurring annual insurance premiums determined by individual risk assessment, with bundling and collection discounts of up to 15% designed to drive cross-sell across insurance, banking, and pension products. It benefits from the scale of the Länsförsäkringsgruppen alliance, which serves over 6 million Swedish customers and insures approximately one in three cars in Sweden, sharing back-office services through Länsförsäkringar AB, Länsförsäkringar Bank AB, and Länsförsäkringar Fondförvaltning AB. In 2025, Länsförsäkringar Bank received Swedish FSA approval to acquire SAVR, a digital savings platform with 46,000 active customers and SEK 6.6 billion in funds, signaling a digital expansion of the group's savings and investment capabilities.

The firm's mutual ownership structure means policyholders are also co-owners, so profits accrue to customers rather than external shareholders, and pricing is not publicly disclosed. Revenue and growth figures at the entity level are not disclosed; each of the 23 regional companies files separate financial reports under the Länsförsäkringar brand. The company has 251–500 employees and was recognized as Årets fondförsäkringsbolag (Fund Insurance Company of the Year) in Söderberg & Partners' 2025 traffic light report for stable investment performance and best fund selection.

Name

Dalarnas Försäkringsbolag

Legal name

Dalarnas Försäkringsbolag

Website

https://lansforsakringar.se

Company type

Private

Founded year

1846

Operating status

Operating

Headcount range

251–500 employees

Short description

Dalarnas Försäkringsbolag is a customer-owned mutual insurance company in Falun, Sweden, serving private households and SMBs in Dalarna county with insurance, banking, and pension products as part of the 23-company Länsförsäkringar alliance serving 6+ million Swedes.

Ownership category

akta.pro rank

Headquarters

HQ city

Falun

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums: Property and casualty insurance products including home, car, boat, and personal insurance. Premium revenue from individual and business policyholders in Dalarna region.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Dalarnas Försäkringsbolag provides property and casualty insurance (home, villa, car, personal, boat), banking products (mortgages, consumer loans, savings accounts, funds, credit cards), pension products, and real estate brokerage to private individuals, households, and small/medium businesses in Dalarna county, Sweden. As one of 23 regional companies within the Länsförsäkringsgruppen alliance, it sells and services these offerings through local offices and shared digital channels under the Länsförsäkringar brand.

Product overview

Dalarnas Försäkringsbolag is one of 23 regional, customer-owned insurance companies within the Länsförsäkringsgruppen (Länsförsäkringar Group), operating under the shared Länsförsäkringar brand. As part of the alliance, it offers a unified platform of banking, insurance (home, car, personal, boat, farm/business), and pension products, accessible through shared digital services including the Länsförsäkringar app, Mina Sidor (online banking/insurance portal), and the Hälsa och vård (Health and Care) app. Dalarnas Försäkringsbolag's specific offerings overlap with the broader group portfolio, with products and services delivered across both private (privat) and business (företag) segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Home insurance (Hemförsäkring) Household contents and liability insurance for renters and homeowners; includes bundled discount opportunities with salary accounts and other Länsförsäkringar products.
• Villa insurance (Villaförsäkring) Property insurance for owner-occupied villas and houses, including damage-prevention inspection valued up to SEK 10,000 when signing up.
• Car insurance (Bilförsäkring) Motor insurance available in half and full coverage tiers; stone-chip repair is included with no deductible when the windshield is not fully replaced.
• Personal insurance (Personförsäkringar) Personal accident, illness, and life cover products for private customers.
• Business and farm insurance (Företag och Lantbruk) Commercial property, vehicle, transport, liability, and farm-specific insurance for SMBs and agricultural operations in Dalarna.
• Mortgages (Bolån) Residential mortgage products sold to private customers, with advisory on related savings and pension planning.
• Consumer loans (Privatlån and Billån) Unsecured personal loans and vehicle financing products for private customers.
• Savings accounts and funds (Sparkonton, Fonder, ISK) Savings accounts, mutual funds, and ISK investment savings accounts for retail customers, with fund management services through Länsförsäkringar Fondförvaltning.
• Pension products (Pension and Tjänstepension) Private pension savings, fund insurance pensions, and occupational pension schemes for businesses and their employees.
• Bank accounts, cards, and payments (Konto & kort) Everyday banking products including checking accounts, debit and credit cards with cashback and travel insurance, and Swish mobile payments.
• Real estate brokerage (Fastighetsförmedling) Residential real estate brokerage and property listing services available to private customers.
• Insurance claims reporting and customer service Multi-channel claims reporting and customer service for banking, insurance, and pension products across Dalarna.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• SAVRcoreStrategic or Co-development Partner · 16 September 2025Länsförsäkringar Bank received approval from the Swedish FSA to acquire SAVR, a digital savings platform. SAVR has approximately 50 employees, 46,000 active customers, and SEK 6.6 billion in savings funds. The acquisition strengthens Länsförsäkringar's digital savings offering and builds the platform for the future.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/forsakringar
• Facebookfacebook.com/dalarnas
• LinkedInlinkedin.com/shareArticle?url=http%3A%2F%2Fwww.lansforsakringar.se%2Fstockholm%2Fprivat%2F&mini=true

Revenue estimate

Valuation estimate

Number of profiles

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 Dalarnas Försäkringsbolag