What TryghedsGruppen does

TryghedsGruppen smba is a Danish mutual insurance holding company established in 1991, structured as a selvstændig medlemsbaseret andelsselskab (smba). The organization holds the largest share position in Tryg Forsikring, a publicly listed Scandinavian insurance group, and channels the resulting dividend and investment income into two core functions: member benefits and charitable activities. Its roughly 1.4–1.5 million members are the policyholders of Tryg, Alka (acquired by Tryg in 2018), and Tryg's partner companies — membership is automatically conferred on insurance purchase. Members participate in a democratic governance structure organized around a Representative Council of 70 elected members who decide surplus allocation between member bonuses and charitable distributions.

Its primary "products" are non-commercial: (i) member democracy and potential annual bonuses, (ii) TrygFonden, an affiliated charitable foundation that funds 700+ safety and well-being projects annually with distributions exceeding half a billion DKK, spanning programs such as TrygFonden Hjerteløber (volunteer first-responder network for cardiac arrest), Nabohjælp (neighborhood crime prevention), TrygFonden Kystlivredning (coastal lifeguarding), Det Kærlige Måltid (meals for families with life-threatening illness), and child/youth research via TrygFondens Børneforskningscenter. Sub-brands include the TryghedsPortalen member digital portal and a suite of safety-oriented smartphone applications. TryghedsGruppen itself has no proprietary technology platform; its underlying "technology" consists of mobile apps, a member portal, and standard corporate digital channels (Facebook, LinkedIn, email newsletter, tryghed.dk).

Revenue is not transactional in the conventional sense. As a holding entity, TryghedsGruppen's revenue mechanics are (1) recurring dividend income from its Tryg ownership stake and (2) returns on an accumulated long-term investment portfolio built over generations. These inflows fund TrygFonden's charitable distributions, member bonuses, and a small corporate cost base at headquarters in Virum (~60 employees). Tryg insurance products, which generate the underlying dividend stream, are distributed via Tryg's own sales force, online platforms, and partner networks across Denmark. The organization's scale signals include 1.5 million members, 700+ funded projects annually, and charitable disbursements of over half a billion DKK.

Name

TryghedsGruppen

Legal name

TryghedsGruppen smba

Website

https://tryghed.dk

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

51–100 employees

Short description

TryghedsGruppen is a Danish mutual insurance holding company that is the largest shareholder in Tryg Forsikring, governing a member democracy of roughly 1.5 million policyholders and channeling dividend income into member bonuses and the TrygFonden charitable foundation.

Ownership category

akta.pro rank

Product category

Mutual Insurance Holding

NAICS

Insurance and Employee Benefit Funds (5251), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Mutual insurance holding
• Charitable foundation grants
• Member-owned cooperative
• Insurance dividend investing
• Community safety programs

Headquarters

HQ city

Virum

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Dividend income from Tryg ownership: TryghedsGruppen is the largest shareholder in Tryg insurance company and receives annual dividends from this investment. This forms the primary source of revenue for funding TrygFonden's charitable activities and member bonuses.
2. Investment returns: Returns on TryghedsGruppen's accumulated wealth and investment portfolio, which has been built up over generations.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

TryghedsGruppen is a Danish mutual insurance holding company (smba) that owns the largest stake in Tryg Forsikring and channels dividends to TrygFonden, a charitable foundation that funds safety, security, and well-being projects. Approximately 1.5 million insurance customers of Tryg, Alka, and Tryg's partners automatically become members with rights to democratic participation, potential annual bonuses, and community safety initiatives.

Product overview

TryghedsGruppen is a mutual insurance holding company that serves as the largest shareholder in Tryg Forsikring. The organization operates a membership-based model with approximately 1.5 million members (customers of Tryg, Alka, and Tryg's partners). TryghedsGruppen's core activities center on three interconnected entities: (1) TryghedsGruppen as the parent holding company managing the insurance ownership and membership democracy, (2) Tryg as the operating insurance company providing coverage to customers, and (3) TrygFonden as the charitable foundation distributing over half a billion DKK annually to safety and security projects. The product portfolio includes TrygFonden's various initiatives such as TrygFonden Hjerteløber (cardiac arrest responders), TrygFonden Kystlivredning (beach safety), Nabohjælp (neighborhood crime prevention), and multiple smartphone apps for safety. TryghedsGruppen also provides a digital portal (TryghedsPortalen) for member services and operates comprehensive safety surveys and research programs.

Differentiator

Problem solved

Functional benefit

Brands

• TrygHjerteløber: TrygFonden's volunteer first responder app for cardiac emergencies
• Nabohjælp
• TrygFonden Kystlivredning

Products and services

• TrygFonden Charitable Foundation Independent charitable foundation receiving annual funding from TryghedsGruppen to create safety and security in Denmark. Supports over 700 projects annually across five goal areas: children and youth, adults, elderly, everyday safety, and strong frameworks for safety. Distributes over half a billion DKK per year.
• TrygFonden Hjerteløber (Volunteer First Responder Network) Volunteer first-responder network that alerts trained volunteers when someone nearby experiences cardiac arrest, helping save lives through quick response. Available via smartphone app for Danish users.
• TrygFonden Kystlivredning (Coastal Lifesaving) Coastal lifesaving initiative that provides safety supervision and rescue services at Danish beaches during summer months.
• Nabohjælp (Neighborhood Help) Neighborhood safety and crime prevention initiative that helps prevent burglaries through neighborhood cooperation. The Nabohjælp app allows users to coordinate vacation help with trusted neighbors and can prevent up to 1 in 4 burglaries.
• TryghedsPortalen (Member Portal) A digital portal for TryghedsGruppen's approximately 1.5 million members providing access to member services, member news, election information, bonus information, and resources.
• Hjertestarter App Smartphone app published by TrygFonden to help users locate nearby automated external defibrillators (heart starters) and contribute to cardiac emergency response in Denmark.

Quantifiable outcome

• TrygFonden supports over 700 projects annually with distributions exceeding half a billion DKK
• +1 more outcomes

Named customers4 records

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

Five partnerships are on record, tiered core and minor.

• Det Kriminalpræventive RådcoreStrategic or Co-development PartnerJoint partnership with Det Kriminalpræventive Råd (The Crime Prevention Council) on the Nabohjælp (Neighborhood Help) initiative, which helps prevent burglaries through neighborhood cooperation and awareness.
• RealdaniacoreStrategic or Co-development PartnerCollaboration with Realdania on the 'Bo trygt' (Live safely) program to establish new norms for burglary prevention and address insecurity in housing areas, also involving Bolius and Det Kriminalpræventive Råd.
• DR (Danmarks Radio)minorStrategic or Co-development PartnerPartnership with DR to develop materials and content for 'Klar, parat, skolestart' (Ready, set, school start) initiative to help children transition smoothly from kindergarten to school.
• TrygFondens BørneforskningscentercoreStrategic or Co-development PartnerResearch center focused on children's well-being and safety, developing evidence-based approaches to child development initiatives.
• BoliusminorStrategic or Co-development PartnerHousing and urban development organization collaborating on 'Bo trygt' program for neighborhood safety and crime prevention.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/tryghedsgruppensmba
• LinkedInlinkedin.com/company/tryghedsgruppen
• Xx.com/tryghedsgruppen

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

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 TryghedsGruppen