Incoterms

Incoterms terms of delivery define the responsibilities of the buyer and seller in international shipments.

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.

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!

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.

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.

Taksivakuutus

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!

Emergency road service insurance

Emergency road service insurance to cover the expenses of interrupted travel. The supplementary cover compensates for towing expenses and additional travel and accommodation expenses. Learn more.

Tow insurance

Tow insurance covers expenses incurred by interruption of travel when the vehicle malfunctions. Learn more about what tow insurance covers in detail.

Lorry insurance

Statutory corporate lorry insurance offers security on the road. You can also insure your lorry with comprehensive motor vehicle insurance to cover against losses or damage. Learn more about the insurance!

Van insurance for businesses

Van insurance tailored to your company's needs. Pohjola motor liability insurance, comprehensive motor vehicle insurance policies and other motor vehicle insurance policies for your company's van and other vehicles.

Tavarankuljetusvakuutus

Tavarankuljetusvakuutus turvaa rahdin kuljetusriskien ja kuljetusvahinkojen varalta Suomessa ja ulkomailla. Tutustu Pohjola Vakuutus kuljetusvakuutuksen!

Fire Safety Instructions

Ensure the fire safety of working machines through preventive measures, correct fire extinguishing systems and safety guidelines. Read Pohjola Insurance's tips for risk management and fire prevention.

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.

Equipment Insurance

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

Insure the company's assets. With Pohjola's asset risk insurance, you protect your company's immovable and movable assets - check out and ask for an offer!

Cargo Insurance

Cargo Insurance covers losses to the goods during transport in Finland and abroad. | Read the insurance product description and insurance terms and conditions.

Special Corporate Insurance

Yritysykkönen is Pohjola Insurance’s comprehensive insurance package to protect your company’s movable property and operations. Suitable for both small and larger businesses.

Working-machine-extra

Cover your company's moveable property and working machine accessories with Working machine extra insurance.

Taloyhtiön vakuutukset

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!

Insurance for voluntary workers

Protect the people taking part in the non-paid communal work of a housing company or business with Pohjola Insurance’s insurance for voluntary workers. Request an offer to receive the price!

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.

Data security risks of companies

Data security is important for all companies. Click here to read more about data security risks and how you can receive assistance in case of a loss event.

Cyber-insurance

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.

Patient Insurance

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!

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

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 request an offer.

Insurance for business interruption due to disability

Pohjola Insurance’s insurance for business interruption due to disability covers profit loss caused by the disability of a key employee resulting from an illness or accident and the cost of hiring a stand-in.

Sports cover for professional athletes

Professional Sports Cover is a statutory insurance policy that provides comprehensive accident and pension cover for athletes in individual and team sports. Learn more about insurance for professional athletes!

Life insurance

Life Insurance for Companies helps commit your employees and ensures business continuity – Get life insurance for personnel or life insurance for entrepreneurs!

Travel insurance

Corporate Travel Insurance is employees' most important insurance when travelling for work. Pohjola's Corporate Travel Insurance provides security in the event of travel illnesses and interruptions.

Group Pension

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!

Health insurance

Health insurance for the entrepreneur and employees is suitable for companies of all sizes. We offer four options from which you can choose the most suitable medical treatment expenses insurance for your company's employees.

Disability cover

Insurance cover against permanent and short-term disability.

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.

Accident Insurance for Entrepreneurs

Self-employed persons’ accident insurance is the most comprehensive insurance policy for self-employed persons in the event of accidents. Learn more about voluntary accident insurance and buy it online.

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!

YEL insurance

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.

TyEL insurance

Employee pension insurance (TyEL) is required by the Employees Pensions Act. Employers must take out TyEL insurance for employees before the payment of first wages.

Employee insurance

What kinds of insurance do employees need? Find out which insurance policies are mandatory and which are voluntary for businesses – buy the necessary policies online.

Entrepreneurs’ health and medical expenses insurance

Entrepreneurs' Medical Expenses Insurance covers illnesses and injuries that occur at work and during leisure time. Learn more about health insurance for entrepreneurs and ask us for information about voluntary insurance for entrepreneurs.

Myel insurance

MYEL pension insurance forms the basis of farmers’ cover against illness and injury, and the basis of their pension cover. MYEL insurance is mandatory for most farmers.