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If's vision is to offer insurance solutions that provide customers with security and stability in their daily lives and business operations with such excellence that If is the preferred insurance provider in the Nordic and Baltic markets.
If is the leading property and casualty insurer in the Nordic region, with 3.8 million customers in the Nordic and Baltic countries. If offers a full range of P&C insurance solutions and services to a broad customer base, from private individuals to large corporate customers.
If operates on a pan-Nordic basis leveraging both scale and capabilities across all areas in If. If's key success factor is continuous improvement of its operations. Underwriting focus by understanding risk better than competitors, setting the right prices, and offering the best products and services, have been If's strategic themes for more than a decade.
If's operations are divided into Nordic business areas by customer segments. The Baltic countries constitute a separate business area and operates on one business platform across all three Baltic countries.
In order to fulfil the vision of being the preferred insurance partner, If has adopted a strategy based on three strategic goals:
If's financial target for 2021-2023 is a combined ratio below 85 per cent. For 2021 the guidance is 81.5-83.5 per cent (reviewed on 4 August 2021). The guidance is reviewed quarterly.