The OP-owned Seesam Insurance As provides its customers with services on a local basis and comprehensive insurance coverage in Estonia, Latvia and Lithuania. Seesam also sells its insurance products through other distribution channels, such as banks, brokers and its agents. Our market share averages 6% in the Baltic countries, which we are determined to increase.

In the Baltic countries' non-life insurance market, the combined premiums written amounted to an estimated EUR 750 million in 2011. 

An extensive range of diverse risk management services, services related to employee pension provided by Ilmarinen Mutual Pension Insurance Company, proactive loss prevention and safety consultancy services play a key role in our service concept for corporate customers.

When it comes to international insurance for customers, our international service network offers insurance and risk management services all around the world, based on in-depth knowledge of local conditions. Royal & SunAlliance, which is a world leading non-life insurer operating through its network in over 135 countries, has been our partner for over 30 years.

In order to mitigate risks, we reinsure all of the greatest individual risks and the risk accumulation that may arise from catastrophes. For risk diversification purposes, we have entered into partnership with almost 50 reinsurers. All of these reinsurance partners have at least A rating category affirmed by S&P.