Norsk Hussopp Forsikring
Norsk Hussopp Forsikring is a Norwegian mutual insurer, founded 1938/1939 and headquartered in Oslo, that covers roughly 1.2 million homes against rot, wood-decaying fungi, and pest damage, distributed through partner carriers and now rebranding to VIS Forsikring.
- Company typePrivate
- Founded1939
- HeadquartersOslo, Norway
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Norsk Hussopp Forsikring does
Norsk Hussopp Forsikring Gjensidig is a Norwegian mutual insurance company founded in 1938/1939 and headquartered in Oslo, specializing in coverage for damage caused by rot, wood-decaying fungi, wood-destroying insects, and related pest conditions in residential buildings. As a customer-owned mutual ("Gjensidig") operating with a small team (11-50 employees), it underwrites approximately 1.2 million Norwegian homes, making it the dominant specialist in its narrow insurance category. Its offering includes core products such as "Bygning Topp" and "Standard Skadedyrforsikring" along with a layered set of add-on coverages, including the newer "Vis Forsikring" sub-brand targeted at brick apartment buildings (murgårder).
The company's distribution is structurally embedded: rather than selling direct at scale, it provides its specialist coverage as an add-on through a wide network of partner household insurers in Norway, including Aspida, Eika, Frende, JBF, KLP, Protector, Tryg, and Watercircles. The 2025 corporate rebrand to VIS Forsikring, alongside a partnership with Swedish carrier Eir Försäkring AB, indicates a deliberate broadening from pure wood-destroying-organism coverage toward a wider building-insurance proposition and initial Nordic cross-border distribution. Marketing is conducted through content, email, and paid digital channels (Google, Facebook), supplementing the partner channel.
The business model rests on premium income from a large, fragmented base of Norwegian household policyholders, with revenue mechanics driven by attach rates to partner carriers and per-policy premium levels rather than transaction-based or enterprise contracts. As a mutual, the company is owned by its policyholders rather than external shareholders, with no public funding rounds or equity capital raises reported in the available data. The competitive position is anchored by 85 years of category leadership, a proprietary claims dataset across its 1.2 million-home policy base, and a distribution moat via partner insurers that is difficult for a new entrant to replicate at equivalent scale.
Norsk Hussopp Forsikring firmographics
Firmographics- Name
- Norsk Hussopp Forsikring
- Legal name
- Norsk Hussopp Forsikring Gjensidig
- Website
- https://hussoppen.no
- Company type
- Private
- Founded year
- 1939
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Norsk Hussopp Forsikring is a Norwegian mutual insurer, founded 1938/1939 and headquartered in Oslo, that covers roughly 1.2 million homes against rot, wood-decaying fungi, and pest damage, distributed through partner carriers and now rebranding to VIS Forsikring.
- Ownership category
- akta.pro rank
Norsk Hussopp Forsikring industry classification
Industry- Product category
- Specialized Property Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Landlord / Dwelling Fire (DP) Insurance (FSAJACAD)
Keywords
Where Norsk Hussopp Forsikring is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices2 records
Markets served
Norsk Hussopp Forsikring business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premiums: The company generates revenue through insurance premiums paid by policyholders for coverage against rot damage, wood-decaying fungi, wood-destroying insects, and pest control services.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Norsk Hussopp Forsikring product offering
Product offeringCore offering
Norsk Hussopp Forsikring is a specialized Norwegian mutual insurance company that provides coverage for biological damage to buildings, specifically rot damage, wood-decaying fungi, wood-destroying insects, and pest infestations. Their products cover houses, cabins, apartments, and housing cooperatives, and are sold both through partner insurance companies and directly via their visforsikring.no platform. The company also operates the Vis Forsikring concept, a specialized offering for older brick buildings (murgårder) positioned as a 'family doctor for the building.'
Product overview
Norsk Hussopp Forsikring is a specialized insurance company focused on biological damage to buildings. The core products consist of two main insurance types: (1) Bygning Topp (Building Top) - comprehensive insurance for homes and cabins covering rot damage and wood-destroying insects; and (2) Standard Skadedyrforsikring (Standard Pest Insurance) - coverage for pest extermination. The company also offers several add-on modules including pest insurance for housing companies, household contents, and travel (bed bug/cockroach coverage). Additionally, they operate Vis Forsikring as a sub-brand targeting older brick buildings with specialized maintenance and damage prevention services. The company has recently rebranded to VIS Forsikring while maintaining their core mission as specialists in rot, pests, and building health.
Differentiator
Problem solved
Functional benefit
Brands
- Vis Forsikring: A new concept launched by Norsk Hussopp Forsikring for older brick buildings (murgårder), offering more than traditional insurance - described as 'a family doctor for the building'.
Products and services
- Bygning Topp (Building Top Insurance) Comprehensive insurance coverage for houses, cabins, row houses, and apartments in housing cooperatives, covering rot damage and wood-destroying insect attacks not typically included in standard home insurance.
- Standard Skadedyrforsikring (Standard Pest Insurance) Insurance covering pest damage for houses and cabins, including extermination services for pests such as rodents, silverfish, and cockroaches.
- Vis Forsikring (Brick Building Insurance) A specialized insurance concept for older brick apartment buildings (murgårder), providing more than traditional insurance — positioned as a 'regular doctor' for the building by combining coverage with maintenance and damage prevention services.
- Skadedyrforsikring for Leiligheter (Pest Insurance for Apartments) Pest control insurance for apartment dwellers, covering pests such as bed bugs, cockroaches, silverfish, mice, and rats.
- Skadedyrforsikring for Boligselskap (Pest Insurance for Housing Companies) Pest insurance specifically designed for housing companies and cooperatives.
- Skadedyrforsikring for Innbo (Pest Insurance for Household Contents) Pest insurance covering household contents and belongings.
- Veggedyr- og Kakerlakkforsikring for Reise (Bed Bug and Cockroach Insurance for Travel) Specialized travel insurance covering bed bug and cockroach damage incurred during travel.
Companies that use Norsk Hussopp Forsikring
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Norsk Hussopp Forsikring technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Norsk Hussopp Forsikring partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered minor and core.
- Aspida Forsikring ASminorSales collaboration partner that distributes Norsk Hussopp Forsikring's specialized rot damage and pest insurance products to their customers in the Norwegian market.
- Eika Forsikring ASminorSales collaboration partner distributing specialized biological damage insurance products through their network.
- Frende Skadeforsikring ASminorSales collaboration partner for distributing rot damage and pest insurance products.
- JBF Forsikring GjensidigminorMutual insurance company partner distributing specialized insurance products.
- KLP Skadeforsikring ASminorSales collaboration partner offering specialized insurance products to their customer base.
- Protector Forsikring ASAminorSales collaboration partner distributing Norsk Hussopp Forsikring products.
- Tryg ForsikringminorMajor Norwegian insurer with sales collaboration for specialized biological damage coverage.
- Watercircles Forsikring ASAminorSales collaboration partner for specialized insurance distribution.
- Research and Academic CommunitiescoreCollaborates with research and professional communities in Norway and internationally for the development of new methods for biological damage prevention and control.
- Byggmesterforsikring ASminorSales collaboration partner for specialized insurance products.
- Eir Försäkring ABminorSwedish insurance company partner for product distribution.
- Knif Trygghet Forsikring ASminorSales collaboration partner for insurance product distribution.
- Landkreditt Forsikring ASminorSales collaboration partner for specialized insurance products.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Norsk Hussopp Forsikring competitors and assessment
Company assessmentBroad incumbents
- Gjensidige Forsikring: Largest Norwegian mutual P&C insurer offering broad homeowners coverage. Comparable because it is the leading Norwegian mutual insurance carrier and a likely channel/competitive counterpart for residential property coverage.
- Tryg Forsikring: Major Nordic P&C insurer listed in Norway and one of Norsk Hussopp's named distribution partners. Comparable as a broad homeowner-insurance provider that embeds Norsk Hussopp's biological-damage rider into its policy suite.
- If P&C Insurance: Leading Nordic P&C insurer (part of Sampo Group) covering home, property, and specialty risks across the Nordics. Comparable as a large regional incumbent offering overlapping homeowner coverage in Norway.
- Fremtind Forsikring: Norwegian P&C insurer formed from the merger of SpareBank 1 Skadeforsikring and DNB Skadeforsikring. Comparable as a broad Norwegian home-insurance carrier competing for the same Norwegian homeowner wallet.
Direct peers
- Protector Forsikring: Norwegian specialty P&C carrier (also a Norsk Hussopp channel partner) focused on niche commercial and personal lines. Comparable as a Norway-based specialty insurer that operates in adjacent niche property/liability segments.
Regional players
- Folksam: Large Swedish customer-owned mutual insurer offering home, life, and P&C products. Comparable due to its mutual ownership structure and Nordic homeowner-insurance focus, even though it primarily serves Sweden.
- Länsförsäkringar: Swedish mutual insurance group organized by regional entities, owned by policyholders. Comparable in mutual structure and Nordic residential insurance market positioning; operates primarily in Sweden.
- Eir Försäkring: Swedish insurance carrier and a named distribution partner of Norsk Hussopp. Comparable as a smaller Nordic insurance partner carrying Norsk Hussopp's biological-damage products into the Swedish market.
Others
- Anticimex: Nordic-headquartered pest control and building-environment services company. Comparable as an adjacent ecosystem player that addresses the same biological-damage/pest problem space that Norsk Hussopp insures.
- Rentokil Initial: Global pest control and hygiene services company with significant Nordic operations. Comparable as an adjacently related service provider addressing the underlying pest/biological risks that Norsk Hussopp's policies cover.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Norsk Hussopp Forsikring social profiles
Digital presenceNorsk Hussopp Forsikring financial estimates
Financial estimateRevenue estimate
Valuation estimate
Norsk Hussopp Forsikring leadership team
Management profileNumber of profiles
Profiles2 records
Norsk Hussopp Forsikring funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Norsk Hussopp Forsikring M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Norsk Hussopp Forsikring
What does Norsk Hussopp Forsikring do?
Norsk Hussopp Forsikring is a specialized Norwegian mutual insurance company that provides coverage for biological damage to buildings, specifically rot damage, wood-decaying fungi, wood-destroying insects, and pest infestations. Their products cover houses, cabins, apartments, and housing cooperatives, and are sold both through partner insurance companies and directly via their visforsikring.no platform. The company also operates the Vis Forsikring concept, a specialized offering for older brick buildings (murgårder) positioned as a 'family doctor for the building.'
Is Norsk Hussopp Forsikring a public or private company?
Norsk Hussopp Forsikring is a private company. It is classified as management employee owned and is currently operating.
When was Norsk Hussopp Forsikring founded?
Norsk Hussopp Forsikring was founded in 1939. It employs 11 to 50 people.
Where is Norsk Hussopp Forsikring based?
Norsk Hussopp Forsikring is headquartered in Oslo, Norway, in the Europe region.
How does Norsk Hussopp Forsikring make money?
One revenue line is on record: insurance Premiums.
Who are Norsk Hussopp Forsikring's main competitors?
Broad incumbents on record are Gjensidige Forsikring, Tryg Forsikring, If P&C Insurance and Fremtind Forsikring. Protector Forsikring is listed as a direct peer. Regional players are Folksam, Länsförsäkringar and Eir Försäkring. Others are Anticimex and Rentokil Initial.
Does Norsk Hussopp Forsikring have an API?
No public API is recorded for Norsk Hussopp Forsikring.
What industry is Norsk Hussopp Forsikring in?
Norsk Hussopp Forsikring's product category is Specialized Property Insurance. Its primary akta.pro industry code is FSAJACAD, Landlord / Dwelling Fire (DP) Insurance. Its NAICS code is 524126 and its SIC code is 6331.