Knif Trygghet

What Knif Trygghet does

Knif Trygghet Forsikring AS is a Norwegian value-based insurance company founded in 2007 and headquartered at Møllergata 39 in Oslo, with approximately 65-70 employees. The company is owned by 53 Christian and non-profit organizations (including Normisjon, Norsk Luthersk Misjonssamband, Frelsesarmeen, and others) in a mutual-style structure, and operates as a specialized insurer covering 77% of Norwegian churches and 80% of Christian organizations. Its product portfolio spans vehicle insurance (cars, motorhomes, motorcycles, mopeds, caravans, tractors, snowmobiles, classic vehicles, electric scooters), property insurance (home, home contents, valuables), travel insurance, personal insurance (life, disability, child, critical illness, accident), and tailored organization insurance (building, KA church, staff, vehicle, liability).

The business runs on subscription-based insurance premiums collected annually from policyholders. Distribution combines direct sales through an in-house customer service team (phone + online contact), a self-service portal at portal.kniftrygghet.no, an authorized agent network (Ibis Forsikring, Forsikring1 AS, Gimnes Forsikringspartner AS, Wille & Sand Forsikringspartner AS, Toten Forsikring), and partnership benefit programs with RedGo (roadside), Hurtigruta Carglass, MPS Micropaint, and others. Underlying technology is a standard insurance IT stack: ASP.NET-based web portal, claims management, and Google Analytics/Cookie Information/Cloudflare for analytics and consent management. No proprietary AI/ML, patents, or technology differentiators are disclosed. Marketing is primarily content-led (blog/advice articles), organic social, SEO, and referral within owner organizations.

In January 2026, Knif AS, Knif Trygghet, and Storebrand ASA entered a letter of intent for a long-term strategic partnership and merger of their insurance businesses, with ambitions to combine across banking, pension, and asset management. Management is led by CEO Svein Rødskog, with a full executive team including CFO Camilla Schjoll Polhammer, CCO Helga Skofteland, CSO Samuel Norstad, CHRO Tore Henriksø, CPO Mona Stieng Gaustad, COO Siri Kalvatn, and CLO Karoline Wergeland. The company is a profit-returning mutual where surplus is distributed back to owner organizations rather than external shareholders.

Name

Knif Trygghet

Legal name

Knif Trygghet Forsikring AS

Website

https://kniftrygghet.no

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Knif Trygghet is a Norwegian mutual insurance company owned by 53 Christian and non-profit organizations, providing comprehensive vehicle, home, personal, and organizational insurance to Norwegian churches, Christian organizations, and affiliated individuals.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industries

Participating (Dividend) Whole Life Insurance (FSAIABAI), Whole Life Insurance (FSAIABAA)

Keywords

• Non-profit insurance
• Church insurance
• Vehicle insurance
• Personal insurance
• Organization insurance

Headquarters

HQ city

Oslo

HQ country

Norway

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: Knif Trygghet generates revenue through insurance premiums collected from policyholders. The company operates as a mutual/owned insurance company where 53 Christian and non-profit organizations own the company and premiums fund operations and claims.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Knif Trygghet Forsikring AS is a Norwegian insurance company offering a comprehensive portfolio of insurance products for organizations and individuals in the Christian and non-profit sector. The portfolio includes vehicle, home/contents, travel, life, disability, accident, and organization-specific insurance products. The company is owned by 53 Christian and non-profit organizations, with profits returned to these owners.

Product overview

Knif Trygghet Forsikring AS is a Norwegian insurance company founded in 2007, offering a comprehensive portfolio of insurance products designed primarily for Christian organizations, non-profits, and their members across Norway. The company operates as a single integrated insurance provider with multiple product categories: (1) Vehicle Insurance covering cars, motorhomes, classic vehicles, mopeds, motorcycles, trailers, caravans, tractors, snowmobiles, and electric scooters; (2) Property Insurance including home insurance, home contents insurance, and valuables insurance; (3) Travel Insurance with worldwide coverage; (4) Personal Insurance encompassing life, disability, child, critical illness, and accident coverage; (5) Organization-specific insurance for non-profits including building, church, staff, vehicle, and liability coverage. The company serves approximately 77% market share of Norwegian churches and 80% of Christian organizations, with about 65-70 employees located in Oslo.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilforsikring (Car Insurance) Vehicle insurance for all personal cars including electric, hybrid, and petrol/diesel vehicles. Offers four tiers: Ansvar (liability-only), Delkasko (third-party + fire/theft), Kasko (comprehensive collision), and Kasko Ekstra Trygghet (premium with motor/gear coverage).
• Bobilforsikring (Motorhome Insurance) Insurance for motorhomes up to 7,500 kg total weight, based on market value. Offers Ekstra Trygghet, Kasko, Delkasko, and Ansvar coverage levels.
• Veterankjøretøyforsikring (Classic Vehicle Insurance) Insurance for vehicles over 30 years old used for hobby driving, covering up to 5,000 km per year based on market value.
• Mopedforsikring (Moped Insurance) Insurance for mopeds and scooters with Ansvar, Delkasko, or Kasko coverage options. Legal liability coverage is mandatory for registered vehicles.
• Motorsykkelforsikring (Motorcycle Insurance) Insurance covering motorcycles and classic motorcycles with Kasko, Delkasko, or Ansvar options. Includes driver injury and roadside assistance coverage.
• Tilhengerforsikring (Trailer Insurance) Insurance for cargo trailers, boat trailers, and similar vehicles, including collision, fire, theft, and roadside assistance coverage.
• Campingvognforsikring (Caravan Insurance) Insurance covering caravans and fixed furnishings with Ekstra Trygghet, Kasko, or Delkasko options. Includes optional awnings, additions, and decking coverage.
• Traktorforsikring (Tractor Insurance) Insurance for privately used tractors with Ansvar, Fire/Theft, or Kasko coverage options.
• Snøscooterforsikring (Snowmobile Insurance) Customizable snowmobile insurance with Ansvar, Fire/Theft, and Kasko coverage options.
• Elsparkesykkelforsikring (Electric Scooter Insurance) Mandatory liability insurance for electric scooters, standing scooters, hoverboards, and other small electric vehicles, required since January 2023 under vehicle liability law.
• Boligforsikring (Home Insurance) Insurance for homeowners and holiday homes covering fire, water damage, natural disasters, and liability. Offers standard and Ekstra Trygghet (enhanced) coverage with optional rot/pest damage add-on.
• Innboforsikring (Home Contents Insurance) Insurance covering all household belongings against theft, fire, water damage, and accidents. Includes ID protection, pest control coverage, and optional Ekstra Trygghet enhancement.
• Verdigjenstandforsikring (Valuables Insurance) Insurance for valuable items including traditional costumes (bunad), jewelry, photography equipment, musical instruments, art, and sports equipment. Covers worldwide with customer-selected sum.
• Reiseforsikring (Travel Insurance) Annual travel insurance covering worldwide trips including medical treatment, evacuation, cancellation, baggage, and accident coverage. Available for individuals or families with optional Ekstra Trygghet enhancement.
• Båtforsikring (Boat Insurance) Insurance for motorboats, sailboats, and rowboats with liability, fire/theft, or comprehensive coverage options.
• Livsforsikring (Life Insurance) Life insurance providing a lump sum to family upon death from illness or accident. Available for ages 18-65 with customer-selected benefit amount.
• Uføreforsikring (Disability Insurance) Insurance providing lump sum payment for long-term disability. Available for ages 18-55 who are healthy and employed, paying upon 40% disability lasting 2+ years.
• Barneforsikring (Child Insurance) Comprehensive insurance for children ages 3 months to 18 covering medical disability, illness, critical illness, hospital cash, home modifications, and death benefit.
• Kritisk sykdom (Critical Illness Insurance) Insurance providing lump sum payment upon diagnosis of serious illnesses including cancer, stroke, heart attack, MS, and others. Available for ages 18-60.
• Ulykkesforsikring (Accident Insurance) Insurance providing compensation for accident-related injuries, covering medical expenses, permanent disability, and death benefits. Available for ages under 75.
• Ung voksen (Young Adult Insurance Package) Bundle insurance package for ages 18-26 combining travel insurance, accident insurance, and home contents insurance (up to 250,000 NOK) in one package.
• Organisasjonsforsikringer (Organization Insurance) Tailored insurance products for businesses within Norway's non-profit and voluntary sector, including building, KA Church, staff, vehicle, and liability coverage.

Quantifiable outcome

• 77% market share of Norwegian churches
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Storebrand ASA / Storebrand Forsikring AScoreStrategic or Co-development Partner · 29 January 2026Knif AS, Knif Trygghet Forsikring AS, and Storebrand ASA have entered into a letter of intent for a long-term strategic partnership and merger of their insurance businesses. The ambition is to create a leading and comprehensive offering for the non-profit and voluntary sector market. A key part of the agreement is the merger between Knif Trygghet Forsikring AS and Storebrand Forsikring AS. Part of the broader Knif group (including Knif Innkjøp AS, Knif Regnskap AS, Knif Jobb AS, Knif Fundraising AS, and Knif Media AS) may also collaborate with Storebrand on banking, pension, and asset management.
• Knif InnkjøpcoreStrategic or Co-development PartnerKnif Innkjøp is part of the same Knif group of companies. Being part of the same ownership structure creates synergies and cross-selling opportunities between insurance and procurement services for the shared customer base of church and non-profit organizations.
• Hurtigruta CarglassminorChannel Partner/ Reseller/ DistributorHurtigruta Carglass is a glass repair partner offering customer benefits for vehicle glass damage claims.
• MPS MicropaintminorChannel Partner/ Reseller/ DistributorMPS Micropaint provides paint repair services as part of customer benefit agreements.
• KA - Arbeidsgiverorganisasjon for kirkelige virksomheterminorStrategic or Co-development PartnerKA (Church Employers' Association for Church Operations) collaborates with Knif Trygghet on church insurance and risk prevention. Knif Trygghet provides significant support for church security in partnership with KA.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Storebrand Forsikring: Norwegian life, pension, and asset manager with a P&C subsidiary, and the named merger partner for Knif Trygghet in the January 2026 LOI. Direct competitor in Norwegian personal and group insurance and the strategic counterparty for the announced transaction.
• If Skadeförsäkring: Nordic P&C insurer owned by Sampo Group, operating across the same vehicle, home, and personal lines as Knif Trygghet. One of the larger Nordic carriers competing for the cross-sell of non-niche Knif customers via partner agents.
• Tryg Forsikring: Major Nordic P&C insurer (Norway, Denmark, Sweden) with overlapping personal and vehicle insurance products. A scaled competitor that defines pricing benchmarks for the Norwegian markets where Knif also competes outside its owned customer base.
• Gjensidige Forsikring: Norway's largest general P&C insurer with broad product portfolio across personal, commercial, and motor lines. Overlaps with Knif Trygghet on every product category but at vastly greater scale; the dominant incumbent Knif competes against outside its church niche.

Direct peers

• Fremtind Forsikring: Norwegian personal-lines insurer formed as a joint venture between DNB and SpareBank 1 to distribute insurance through bank channels. Closely comparable in product mix (vehicle, home, personal) and Norwegian-only footprint, though anchored to bank distribution rather than community ownership.
• Ekklesia Forsikring: Danish church and faith-based mutual insurer founded in 1907, serving Lutheran and Christian organizations with a comparable mission-driven ownership model to Knif Trygghet. Direct Nordic peer in the same underserved church-insurance niche.
• DNB Forsikring: Norwegian bank-led insurance distributor (now part of Fremtind JV) selling motor, home, and personal lines through DNB's bank channels. Comparable product set and customer overlap on Norwegian personal lines, with strong digital distribution reach that contrasts with Knif's community-led model.
• Folksam: Swedish mutual insurance company owned by its policyholders with a broad P&C and life product range and a strong cooperative/community ownership ethos. Comparable to Knif Trygghet's mission-driven, customer-owned mutual structure operating in a neighboring Nordic market.
• KLP Forsikring: Largest Norwegian life and pension insurer, structured as a mutual owned by municipal-sector customers. Closely comparable ownership/cooperative model and Norwegian footprint, with overlap in group and personal insurance products sold to public-sector and non-profit customers.
• SpareBank 1 Forsikring: Norwegian personal-lines insurer within the SpareBank 1 alliance, distributing through partner savings banks. Comparable product portfolio and Norwegian-only footprint; competes with Knif's partner-agent channel for customers outside the church niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/KnifTrygghet
• Facebookfacebook.com/kniftrygghet
• LinkedInlinkedin.com/company/knif-trygghet-forsikring-as
• Instagraminstagram.com/knif_trygghet

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Knif Trygghet