Insurance Competence

What Insurance Competence does

Försäkringskompetens AB, operating commercially as Insurance Competence, is a privately held Swedish insurance brokerage firm founded in 2000 and headquartered at Stålgatan 20 in Uppsala. The firm operates as a licensed insurance intermediary (försäkringsförmedlare) generating revenue through commissions from insurance providers, and specializes in business insurance and risk management with a particular focus on group and industry (bransch) insurance schemes. Its customer base spans franchise and member-organization head bodies, corporate clients, retail chains, property owners, motor and transport fleets, and construction-sector companies across Sweden, Norway, Denmark, and Finland. Governance and licensing include InsureSec certification, registration with Finansinspektionen (the Swedish Financial Supervisory Authority), and membership in Svenska Försäkringsförmedlares Förening (SFM), each with mandated professional liability coverage.

The product portfolio is organized into six core lines: Företagsförsäkring (Business Insurance) for tailored corporate coverage; Fastighetsförsäkring (Property Insurance) with FKB-standard valuations and engineer-led risk inspections; Gruppförsäkring (Group Insurance); Sjukvårdsförsäkring (Healthcare Insurance); Motor & Transportförsäkring covering fleets and multi-modal transport liability; and Entreprenadförsäkring (Contractor Insurance) for construction and trade firms. The company's only described proprietary technology is a custom administration system for managing franchise group insurance schemes, producing policy documents, terms, and marketing materials that can be customized per principal organization's brand profile. There is no broader technology platform, no proprietary AI/ML capability, and no public developer API; the company's external web presence is built on a Wix-hosted site with Google Analytics integration and a credentialed login area for group scheme clients.

Revenue is earned almost entirely on a commission basis from carriers, with no disclosed pricing tiers, fee schedules, or per-policy rates. Distribution is direct, conducted by licensed brokers who engage clients in person for needs analysis, risk assessment, policy placement, claims handling, and annual review cycles. Lead generation runs through the company website, direct phone and email contact, professional network and SFM association referrals, and word-of-mouth within franchise networks rather than paid performance marketing. The team consists of approximately 11 named personnel, including a CEO/VD (Martin Lindberg), a senior insurance broker (Peter Thulin), finance and administrative staff, and supporting broker and operations roles; the firm explicitly cites unusually low staff turnover as evidence of operational stability.

Name

Insurance Competence

Legal name

Försäkringskompetens AB

Website

https://fkomp.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Försäkringskompetens AB is a Swedish licensed insurance brokerage specializing in business insurance, group franchise insurance schemes, and risk management for corporate clients, retailers, property owners, and NGOs across the Nordic region.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Commercial insurance brokerage
• Business insurance advisory
• Risk management services
• Group insurance schemes
• Corporate insurance solutions

Headquarters

HQ city

Uppsala

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Marketing or Sales

Revenue model

1. Insurance Brokerage Commission: The company operates as a licensed insurance broker (försäkringsförmedlare) generating revenue through commissions from insurance providers. They analyze client risks, identify optimal insurance coverage, and earn commissions on policies placed with insurance companies. The brokerage model leverages collective purchasing power through group insurance schemes to negotiate better terms and premiums.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Insurance Competence (Försäkringskompetens AB) is a licensed Swedish insurance brokerage that analyzes client business risks and places tailored insurance coverage with Nordic insurance providers on a commission basis. The firm specializes in group and franchise insurance schemes with proprietary administration systems for principal organizations, alongside corporate, property, motor/transport, contractor, and healthcare insurance lines. Advisory, claims handling, and annual policy reviews are delivered through direct broker relationships with business clients.

Product overview

Insurance Competence (Försäkringskompetens AB) is an insurance brokerage firm offering a portfolio of specialized insurance products and advisory services. The company operates as a single-service brokerage rather than a platform, providing: Företagsförsäkring (Business Insurance) for corporate risk analysis and tailored coverage; Fastighetsförsäkring (Property Insurance) with FKB-standard valuations for real estate owners; Gruppförsäkring (Group Insurance) including proprietary administration systems for franchise concepts with branded materials; Sjukvårdsförsäkring (Healthcare Insurance); Motor & Transportförsäkring (Motor & Transport Insurance) covering vehicles, fleets, and all transport modes; and Entreprenadförsäkring (Contractor Insurance) for construction and trade businesses. The company leverages collective purchasing power to negotiate favorable terms for client groups, supported by a team of experienced advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Företagsförsäkring (Business Insurance) Corporate insurance solutions that analyze business risks and find optimal coverage tailored to each company's specific industry, risk profile, and operations. Targets Nordic business clients needing comprehensive risk analysis and policy placement.
• Fastighetsförsäkring (Property Insurance) Property insurance for real estate owners featuring FKB-standard valuations, customized coverage solutions, annual reviews, and risk inspections by authorized engineers. For property owners seeking tailored property protection.
• Gruppförsäkring (Group Insurance) Customized insurance solutions for member companies of principal organizations, including proprietary administration systems for franchise concepts with branded documentation and terms. For head organizations and franchise networks seeking collective purchasing power.
• Sjukvårdsförsäkring (Healthcare Insurance) Healthcare insurance solutions for businesses, offered as one of the insurance categories placed by the broker with Nordic insurance providers. For employers seeking group healthcare coverage for staff.
• Motor & Transportförsäkring (Motor & Transport Insurance) Insurance for motor vehicles including individual vehicle coverage, fleet insurance, transport insurance, and coverage for transport by car, rail, sea, or air, with damage prevention routines. For companies operating vehicles, fleets, and transport operations.
• Entreprenadförsäkring (Contractor Insurance) Construction and contractor insurance covering painters, carpenters, construction companies, architects, project managers, and consultants, including property managers and owners for new builds or renovations. For construction industry participants.

Quantifiable outcome

• Better premiums through collective purchasing power for group insurance schemes
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and minor.

• Svenska försäkringsförmedlares förening (SFM)coreOthersIndustry association for professional insurance brokers. Försäkringskompetens has been a member since 2000. SFM advocates for competitive market with fair rules, consumer protection, and represents members' interests with authorities, media, and insurance companies.
• InsureSeccoreOthersOrganization working with licensing of insurance brokers to achieve increased transparency, efficiency, and customer benefit in the insurance broker industry, while ensuring fair competition and broad availability of advisory services.
• FinansinspektionencoreOthersSwedish Financial Supervisory Authority responsible for supervising banks, insurance companies, and insurance brokers. Försäkringskompetens is registered and approved by Finansinspektionen.
• Nordic Insurance ProviderscoreOthersEstablished contacts with insurance providers (försäkringsgivare) throughout the Nordic countries, enabling the company to offer insurance solutions for businesses established across the entire Nordic region.
• SakdekonsultminorImplementation/ SI/ Consulting PartnerClaims consultant (Skadekonsult) for KFUM group insurance scheme. Contact for damage claims during business hours: 08-737 85 00.
• ERV (European Travel Insurance)minorOthersTravel insurance provider for KFUM group scheme. Handles travel insurance claims. Contact: 0770-456 920. Policy number: 5002 3267.
• AnticimexminorOthersPest control and sanitation insurance provider (sanerings- och husbocksförsäkring) for KFUM group scheme. Contact: 075-245 10 00, Agreement number: 1000796794.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Marsh (Marsh & McLennan): Global insurance broker and risk advisor with established Nordic presence serving corporate and commercial clients. Competes in the same business insurance and risk management space but at enterprise scale.
• Howden Group: Global insurance intermediary with significant Nordic operations. Overlaps with Försäkringskompetens on business insurance brokerage but operates at much larger scale with broader product breadth.
• Willis Towers Watson: Global advisory, broking, and solutions firm with Nordic operations in insurance brokerage and risk management. Comparable in offering commercial insurance and risk advisory to corporate clients.
• Aon: Global professional services firm with a major insurance brokerage and risk advisory practice across the Nordics. Overlaps with Försäkringskompetens on commercial insurance placement and risk advisory.

Others

• Trygg-Hansa: Swedish insurance company offering property, motor, life, and health insurance. Adjacent comparator in the Nordic insurance ecosystem, operating as a carrier rather than broker.
• Folksam: Major Swedish mutual insurance company providing both life and non-life insurance products. Relevant as a Nordic insurance market participant and potential channel partner or competitor for Swedish brokers.
• If Skadeförsäkring: Nordic insurance carrier and a key partner relationship for many brokers in the region. Comparable as a Nordic player but on the underwriting side rather than the broker/agency side.

Direct peers

• Söderberg & Partners: Sweden's largest independent insurance and financial broker, offering business insurance, risk management, and group solutions across the Nordics. Closest direct comparable in scale and product offering to Försäkringskompetens' Nordic group and franchise insurance model.
• Trossen & Partners: Swedish insurance broker specializing in corporate and business insurance with personalized advisory. Comparable in size, geographic focus, and service model to Försäkringskompetens.
• BFL (Bureau Försäkringsförmedling): Swedish insurance brokerage focused on business insurance, risk analysis, and tailored corporate coverage. Comparable in being a mid-sized Swedish broker serving corporate clients with personalized advisory and group solutions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Insurance Competence