Motor vehicle insurance
Easy way to insure your company’s cars, vans, lorries, working machines and other vehicles. Tailored solution to your company’s needs.
Cargo Insurance covers losses to the goods during transport in Finland and abroad. | Read the insurance product description and insurance terms and conditions.
Working machine insurance
Insure your company’s working machines and their accessories with working machine insurance on top of mandatory motor liability insurance. Learn more and ask for a quote online!
Freight forwarder's liability insurance
Freight forwarder’s liability insurance for companies engaged in freight forwarding, transport and warehousing on behalf of a client. Cover for operations regulated by NSAB.
Cargo handling insurance
Cover your company's lifting operations with comprehensive cargo handling insurance. Learn more about the content and compensation connected with cargo handling insurance for lifting services providers. Ask us for a quote.
Road transport liability insurance
Road transport liability insurance provides cover against liability under the Finnish Road Transport Agreement Act or the CMR Convention. Learn more about transport liability insurance and request a quote.
Protect your taxi with comprehensive taxi insurance. Our popular option, Motor Liability and Comprehensive Motor Vehicle Insurance for Taxis, has no loss of no-claims bonus. Learn more about taxi insurance and ask for a quote!
Commercial Transport Extra
Insurance for the commonest property and operational risks in commercial transport. The solution designed for small businesses includes property, liability, legal expenses and crisis insurance.
Erection all risks insurance and contractors all risks insurance
Pohjola installation and construction all-risk insurance / contractors' all-risk (CAR/EAR) insurance covers your company against loss or damage in installation and construction work. Customised insurance cover against property risks at construction sites.
Real Estate Insurance
Insure your company’s real estate with a comprehensive real estate insurance. Real estate insurance is suitable for buildings of all types. The sum insured can be the full value of the building or up to an agreed amount.responsible.
Insure the equipment carried along by employees with the comprehensive Equipment Insurance. Equipment Insurance can be taken out by companies in various fields of industry and of various sizes. Learn more and ask for a quote.
Farm Production Insurance
Farm Production Insurance covers property and operations relating to farming. Read more and ask for an offer!
Corporate property insurance: Property risk insurance and Corporate insurance
Vakuuta yrityksen omaisuus. Pohjolan omaisuusriskivakuutuksella suojaat yrityksesi kiinteän ja irtaimen omaisuuden - tutustu ja pyydä tarjous!
Special Corporate Insurance
All company insurance policies you need to cover your company’s movable property and operations. Special Corporate Insurance also covers sudden breakage losses.
Cover your company's moveable property and working machine accessories with Working machine extra insurance.
What insurance is required for housing companies? How does insurance for housing companies cover damage? Learn more about insurance for housing companies. Ask for a quote!
Business interruption insurance
Business Interruption Insurance secures your company's financial situation if its business is interrupted or disturbed by sudden, unforeseeable property damage or personal injury. Read what Business Interruption Insurance covers.
Cyber-insurance not only provides compensation but also quick expert assistance if your company is subject to, for example, data system break-in or denial-of-service attack.
Legal expenses insurance
With legal expenses insurance, your company is prepared for the costs of legal advice and legal proceedings in the event of a dispute. Legal expenses insurance should be taken out immediately after establishing the company. Read more and ask for a quote.
Healthcare and medical care providers in Finland are required to take out patient insurance. Learn more about the contents, compensations and price of patient insurance!
Latent Defects Insurance
Latent defects insurance, i.e. insolvency insurance, protects buyers in new construction projects if the founding shareholder becomes insolvent. Learn more about the scope of coverage and ask for a quote!
Business liability insurance protects your company against indemnification liabilities for material damage or bodily injury. Read more about business liability insurance and other forms of liability insurance.
Professional Indemnity Insurance
Professional Indemnity Insurance provides cover against liabilities for damages. Learn more about professional indemnity insurance and other forms of liability insurance. Ask us for a quote.
Business liability insurance
Business liability insurance protects your company against indemnification liability for material damage or bodily injury. Request a quote for business liability insurance.
Directors’ and officers’ liability insurance
Directors’ and Officers’ Liability Insurance provides cover for the managing director and board of directors against liability for damages. It also covers any legal expenses. Read more and ask for a quote!
Product liability insurance
The best way to manage product liability risks is to take out product liability insurance for your company. The product liability insurance covers losses caused by a product. Learn more.
Financial loss cover
Financial Loss Cover provides cover against financial losses caused by an entrepreneur or employee to a third party. Learn more about Pohjola Financial Loss Cover
Environmental damage insurance
Pohjola Environmental Damage Insurance covers the costs of environmental damage when the liable party is insolvent or unknown. Environmental damage insurance is required by law.
3 key forms of business insurance
Business insurance provides cover against business interruptions and liability risks. Thanks to business insurance, your company can continue operations normally despite losses.
Contractors’ liability insurance
Contractors’ liability insurance protects you against liability for damages. Learn more about contractors’ liability insurance and our other insurance products. Ask us for a quote.
Digital insurance card for employees
The digital insurance card is a service that presents an employee’s most important insurance coverage in a single place, and provides advice to employees in case of illness or accident.
Online service for managing your company’s insurance transactions
At op.fi, you can manage your company’s insurance and claims matters easily and securely, 24/7. Log into the service with your online bank user identifiers.
Pohjola Health Advisor for businesses
You get health advice on the phone and in the application if you fall ill or are injured.
Pohjola Risk Management Service
Digital risk management tool which improves your company's occupational safety and speeds up the flow of information in the workplace. Free for Pohjola Insurance customers
Pohjola Claim Help
Instructions for corporate loss events and submitting a loss report.
Supplementing an occupational accident report
Supplement your occupational accident report with the identifier you received.
Sports cover for professional athletes
Professional sports cover is a statutory insurance policy that guarantees comprehensive accident and pension cover for sportspeople engaged in individual and team sports.
Life Insurance for Companies helps commit your employees and ensures business continuity – Get life insurance for personnel or life insurance for entrepreneurs!
Corporate Travel Insurance is your employees’ most important travel companion. Among other things, Corporate Travel Insurance covers travel illnesses and travel accidents, damaged/lost luggage, and interruption of travel.
Group life insurance is a supplementary pension that supplements the employees’ and the self-employed person’s statutory pension cover and enables flexible retirement. Ask for a quote!
Group accident insurance
Get comprehensive leisure-time accident insurance for your employees and give them quick access to treatment. Find out what our leisure-time accident insurance covers and ask us for a quote!
Comprehensive medical expenses insurance provides you with fast, high-quality care. We help you improve the well-being and health of your personnel. Our efficient clinical pathway helps you reduce absence due to illness.
Insurance cover against permanent and short-term disability.
Workers' compensation insurance
Statutory workers’ compensation insurance protects employees in the event of workplace accidents and occupational diseases. The policy covers accidents that happen at work or on the way to or from work and guarantees quick access to medical treatment.
Group Life Insurance
Employees' group life insurance is life insurance based on collective agreements taken out by employers for their employees. The insurance is for the protection of close family members. Read more.
Critical illness cover
Insure yourself as an entrepreneur and your employees against serious illness or accident.
Accident Insurance for Entrepreneurs
Self-employed persons’ accident insurance provides the most comprehensive insurance cover for self-employed persons in the event of accidents. The insurance pays out on the basis of the Workers' Compensation Act. Ask us for a quote!
Pension Insurance for Corporate Customers
Self-employed person’s pension insurance gives you additional cover alongside the YEL insurance. Get acquainted with the Self-employed person’s pension insurance of OP and request a quote online.
Repayment Security Insurance on Corporate Loans
Cover your company's finances and future against illness, injury or death of key personnel.
Insurance for working from home
Insurance for working from home offers supplementary cover on top of mandatory workers' compensation insurance. Learn more about voluntary insurance for working from home and ask for a quote!
Self-employed persons’ mandatory pension insurance YEL forms the basis of self-employed persons’ pension and social security. OP collaborates with Ilmarinen. Contact Pohjola Insurance to take care of your YEL insurance matters.
When to take out TyEL insurance and what you need to know – learn more about TyEL insurance and employment pension insurance for entrepreneurs!
When and how should employees be insured? Learn more about insuring employees as well as your company’s mandatory employee insurance policies and request a quote.
Entrepreneurs’ health and medical expenses insurance
Entrepreneurs’ medical expenses insurance supplements occupational health care services. Learn more about entrepreneurs’ health and medical expenses insurance and ask for a quote.
What to do if your company’s car is damaged in a collision and you need, for example, towing?
Was your company’s property damaged as a result of a storm, leak or fire? See instructions.
What to do if your company is liable for personal injuries or material damage or if the company’s operations are suddenly interrupted?
Health – instructions for employee
Did you fall ill or injure yourself at work, when commuting or during your free time? Read instructions for employees here.
Health – instructions for employer
What to do if an entrepreneur or your company’s employee falls ill or is injured?
Did you become ill on a business trip, was your luggage stolen or did your travel plans change? See instructions.
What to do if your company phone breaks or is stolen?
See the instructions if you have a fire at your farm, harvest is destroyed or a production animal is lost.
What to do if your working machine is broken or damaged as a result of vandalism?
Has your forest suffered damage owing to storm, fire or snow? See instructions.
The Green Card is an international certificate that shows your motor liability insurance is valid. Order a Green Card before taking your vehicle outside Finland.
Are you dissatisfied with our decision?
Don't hesitate to contact us if something in your insurance contract is unclear or you are not satisfied with a claim settlement decision. We will revise the decision if a mistake has been made.
Making a payroll declaration
You will find answers to the most frequent questions about the payroll declaration for occupational accidents and diseases insurance.
Pohjola Insurance's advisory medical officers
Advisory medical officers
In the SuoraTyö.fi service (“directly to work”) it is effortless to hire an employee. The service takes care of all the statutory obligations related to paying wages such as taxes, insurance, social security and employer obligations.
Certificates of insurance
Voit tarvita todistuksen yrityksen vakuutuksista erilaisiin tilanteisiin. Tulosta vakuutustodistuksia helposti ja nopeasti kirjautumalla op.fi-palveluun. Lue lisää!
Corporate insurance and invoicing
This page provides answers to frequently asked questions about corporate insurance invoices. You can also handle corporate insurance invoices in eInsurance Services.
Corporate insurance prices and pricing
How much do corporate insurance policies generally cost? Find out about the pricing of corporate insurance policies. Read about which factors affect the prices of policies such as general liability insurance and occupational accident insurance.
Do you know what entrepreneur's mandatory insurances are? Entrepreneur's statutory insurances can be supplement with entrepreneur's voluntary insurances.
Insurance for new businesses
What are the most important types of insurance for a new business? Which insurance policies are mandatory and which are voluntary for a new entrepreneur?