Insurance

Business insurance in Norway — from sole traders to limited companies

Business Insurance Consulting & Brokerage in Norway (Forsikringsmegling for bedrifter i Norge).

We provide Comprehensive Insurance Advisory (Forsikringsrådgivning) and brokerage (Forsikringsmegling) Services for Businesses across Norway. Whether you are self-employed (Enkeltpersonforetak / ENK), run an SME (Små og Mellomstore Bedrifter / SMB) or manage a larger company (Aksjeselskap / AS, Allmennaksjeselskap / ASA, NUF), we offer tailor-made solutions to protect your operations.

Our mission: to analyse your risks (Risikoanalyse), compare offers from leading insurers and secure the best terms (Beste vilkår) for your company.

What types of Business Insurance do you need in Norway?

Mandatory and regulated

Occupational Injury Insurance — Yrkesskadeforsikring — mandatory for all employers.

Business Vehicle Insurance — Kjøretøyforsikring — motor liability is required for all registered vehicles.

Occupational Pension — OTP – Obligatorisk tjenestepensjon / ITP — mandatory pension plans for employees when the statutory criteria are met.

Health, Safety and Environment + Occupational Health Service — HMS / BHT – Bedriftshelsetjeneste — legally required in many industries.

Liability insurance — Ansvarsforsikring

General / Public Liability Insurance — Alminnelig ansvar / Bedriftsansvar

Product Liability — Produktansvar

Professional Indemnity — Profesjonsansvar / PI

Directors & Officers — Styreansvar / D&O

Property and interruption — Eiendom og driftstap

Multi-Risk Insurance for SMEs — Bedriftsforsikring / Kombinert forsikring — protects buildings, inventory, machinery and equipment.

Business Interruption — Driftstapforsikring — covers lost income after insured events.

Construction Insurance — Entrepriseforsikring

People and work — Ansatte og arbeid

Business Travel & Health Insurance — Reiseforsikring, Helseforsikring

Key Person Insurance — Nøkkelpersonforsikring

Group Life — Gruppelivsforsikring

Fleet and equipment — Kjøretøy og maskiner

Motor Fleet Insurance — Bilflåteforsikring

Special Equipment & Machinery — Maskinforsikring

Cyber and other risks

Cyber Liability & Data Breach — Cyberforsikring

Legal Expenses — Rettshjelpsforsikring

Marine & Cargo — Transportforsikring

Trade Credit — Kredittforsikring

Request a free business insurance quote →

Why choose us?

• Independent broker (Uavhengig megler) — we scan multiple insurers.
• Custom solutions (Skreddersydd forsikring) — flexible protection for your industry.
• Local expertise (Lokal kompetanse) — we understand Norwegian regulations: HMS, BHT, OTP.
• Free advisory (Gratis rådgivning) — with competent and experienced consultants.

How it works

1. Your request. Tell us about your company, industry and what you want to insure.
2. Risk analysis. We review your current policies and identify gaps.
3. Comparing offers. We set offers from several insurers side by side — cover, exclusions and premium.
4. Policy and service. You choose an offer, and we help with changes and claims afterwards.

Frequently asked questions

Which insurances are mandatory for a business in Norway?
Employers must have occupational injury insurance (yrkesskadeforsikring) and, if the statutory criteria are met, an occupational pension scheme (OTP). Some industries must also be affiliated with an occupational health service (BHT), and certain professions need professional indemnity cover.

Do I need insurance as a sole trader (ENK)?
Without employees, occupational injury insurance is not mandatory — but as a sole trader you are not covered by it yourself. Liability insurance and personal cover for illness and accidents are worth considering.

What is the difference between a broker and an agent?
An insurance agent represents one or more insurers, while a broker works on behalf of the client across the market and must be licensed by Finanstilsynet.

Do you help with claims?
Yes. We help you report a claim and guide you through the settlement process.

All business services

Insurance: Worker's Compensation, Business Owners Insurance, Transport Insurance, Business Vehicle Insurance, Construction Insurance, Pension Plans — OTP|ITP, Business Liability Insurance, Self-Employed Insurance

Finances: Business Data Analytics, Business Loan, Investment Advisory

Advisory: Business Legal Services, Business Consulting

Services: Comprehensive Accounting, Company Formation Service, Business Services Center, Internet Providers, Mobile Operators Plans

Products: Health and Safety (HSE), Scaffolding Fitter, Health & Safety Representative, Plans & Documentation, Corporate Health Services, Central Approval, First Aid Course, Heat Pumps, Building Materials

Specialists: Translator, Architect, Web Development, UX|UI Design, Mobile Applications, E-Commerce, SEO|SEM Marketing, Consulting Service

Get in touch

Need tailored business insurance in Norway? Contact our experts today for a free consultation (Gratis forsikringsrådgivning) and find out how we can secure your company’s future.

Business Owners Insurance
Worker’s Compensation
Construction Insurance
Business Vehicle Insurance
Pension Plans — OTP|ITP
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