P&C Insurance

If P&C Insurance is responsible for Sampo Group's property and casualty insurance operations.

If P&C Insurance is the leading property and casualty insurer in the Nordic region, with approximately 3.6 million customers in the Nordic and Baltic countries. If offers insurance solutions and services in Finland, Sweden, Norway, Denmark, Estonia, Latvia, Lithuania and Russia.

If's business is divided into four business areas:

• The Private business area is If's largest business area, accounting for approximately half of the insurance premiums. The Private business area offers private customers household, homeowner, motor and accident insurance, as well as different kinds of supplementary insurances, such as travel, boat, forest and livestock insurance. The If Private business area is the Nordic market leader with three million customers.
  
  
• The Commercial business area is the largest company insurer in the Nordic countries. The customers are companies from different fields with a maximum of 500 employees. This business area accounts for nearly one third of If's insurance premiums and comprises approximately 300,000 customers. The Commercial business area offers insurances to companies covering property, liability, casualty and cargo.
  
  
• The Industrial business area is the leading insurer for industrial customers in the Nordic region and customers are Nordic companies with worldwide operations. This business area accounts for nearly one fifth of insurance premiums and has approximately 1,000 customers. Customers are companies with approximately EUR 50 million turnover and more than 500 employees. The Industrial business area also has branch offices in the UK, France, the Netherlands, Germany and Russia. If provides industrial customers with property, liability and cargo insurances as well as casualty insurances.
  
  
• The Baltic and Russia business area covers both private individuals and corporate customers. If has offered property and casualty insurances in the Baltic countries since 1992 and in Russia since 1996. If has approximately 300,000 customers in the Baltic countries and it is the market leader in Estonia.