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Topdanmark is a leading Danish non-life insurer. It focuses on the private, agricultural, and SME markets.

Topdanmark holds a 16 per cent market share in non-life insurance. It focuses on the private, agricultural and SME markets, i.e. market segments with high frequency but low average claims. Topdanmark has approximately 620,000 non-life insurance customers and the company offers a full range of insurance services.

Topdanmark intends to continue the trend of being a leading and value-creating insurance company in the Danish market. Therefore, Topdanmark aims at continuously combining new technology, digitization and automation with competent experience within insurance and risk assessment.

In order to differentiate itself from other insurance companies, Topdanmark focuses on:

Customer Relations

Going forward, Topdanmark is aiming to continuously improve customer loyalty by providing focused services on time and in a proactive manner when customer requirements can be predicted. This will be achieved by the use of experience and data. Customer loyalty is an important driver for profitable growth as existing customers tend to be more profitable than new ones.

Market Access

Topdanmark pursues a multi-channel distribution strategy making use of different distribution channels that target different customer groups. This includes realizing sales through:

  • Distribution partners
  • Digital sales
  • Personal sales

From 1 January 2020, Topdanmark and Nordea have started a non-life agreement for distribution on the Danish market.

Risk Management

A key element in Topdanmark’s strategy is risk-based pricing. Topdanmark’s pricing policy is based on the specific risk of each and every customer. As a consequence, Topdanmark is price competitive for low risk customers. The disciplined pricing approach has supported the stable development in underwriting profitability.

Topdanmark's Operational Targets

Topdanmark aims to achieve a combined ratio of 90 per cent excluding run-off results. The goal for the combined ratio is adjusted on the basis of a 10 per cent profit margin. The growth target for gross premiums earned is a growth that is in line with the market.


Updated 13 Dec 2022