Sampo Group
Sampo is the leading P&C insurance group in the Nordic region, and the only one present in all Nordic countries, customer segments and products. The Group is also a major operator in the growing digital P&C insurance market in the UK. Sampo is listed on Nasdaq’s exchanges in Helsinki, Stockholm and Copenhagen.
Sampo’s P&C insurance strategy is based on disciplined underwriting, strong operational capabilities and customer centricity.
Financial targets
Sampo Group’s new financial targets and capital management framework for 2024-2026 were announced at the Capital Markets Day in March 2024.
Overview and business model
Sampo is the leading P&C insurer in the Nordic region, and the only insurer to offer services across all Nordic countries, customer segments and products.
Purpose and values
Sampo’s purpose and values have been defined on a group level. In addition, all insurance companies in Sampo Group have their own sets of principles to guide their operations.
Personnel and careers
Sampo Group operates in the insurance sector and employs nearly 15,000 professionals of various fields.
Introducing Sampo Group
Sampo is a property and casualty (P&C) insurance group with operations in the Nordics, Baltics, and the UK. Our strategic focus area is P&C insurance, where we are the Nordic market leader. Sampo Group’s customer brands are If, Topdanmark, and Hastings. We operate in four segments: Private in the Nordics and the UK, and Commercial and Industrial in the Nordics.
Private Nordic
We operate in the Nordic private insurance market through our main customer brand, If, which is the leading property and casualty insurer in the Nordic region, and other brands including Topdanmark and various white-label partnerships, such as Volvia. In total, we serve around 3.7 million households in Sweden, Denmark, Norway, and Finland.
Private UK
In the UK private insurance market, we operate through our customer brand Hastings, which is one of the leading digital property and casualty insurance providers focused on serving UK car, van, bike, and home insurance. In the UK, we specialise in price comparison distribution, advanced pricing, anti-fraud, and digital capabilities. In total, we serve over 4 million UK customers.
Nordic Commercial
We operate in the Nordic commercial insurance market through our customer brands If, Topdanmark, and Dansk Sundhedssikring (Oona Health) with a particular focus on small and medium-sized enterprises (SMEs). In total, we serve around 450,000 commercial customers in Sweden, Denmark, Norway, and Finland.
Nordic Industrial
We are the leading insurer of large corporates in the Nordics through the If brand. Corporates with turnover of more than SEK 500 million (circa EUR 45 million), or more than 500 employees, are classified as industrial customers. In total, we serve around 1,200 companies.
Group brands
If P&C is the leading property and casualty insurer in the Nordic region, where it offers solutions in all major lines of business through its four business areas; Private, Commercial, Industrial and Baltic.
Topdanmark is a leading Danish property and casualty insurer. It focuses on the private, agricultural, and SME markets.
Hastings is one of the leading digital general insurance providers in the UK predominantly focused on serving UK car, van, bike and home insurance customers.
2,188
Insurance revenue, net, incl. brokerage (EURm)
336
Underwriting result (EURm)
84.6
Combined ratio (%)
377
Profit before taxes (P&C operations) (EURm)
0.11
Earnings per share (EUR)
0.11
Operating EPS (EUR)
Group structure and organisation
The parent company, Sampo plc, is responsible for the Group's strategy, capital allocation, risk management, group accounts, investor relations, sustainability, and legal and tax matters. The parent company cooperates closely with all subsidiaries.
More on Sampo Group
Links to information on risk management in Sampo Group, history, and financial information as well as sustainability and governance documents that include Sampo Group's principles, policies and statements.