If helps a lot report

In our If helps a lot report, we share business insights and customer highlights from the quarter. On this page, you can read snippets from the report or access the full version by clicking the button below. 

Read the latest If helps a lot report
Financial results for the group, see Sampo’s quarterly reporting.

Growing for the future – together with our customers

Safety and stability are becoming increasingly important for both individuals and businesses as our environment today is less predictable. If contributes to stability by providing insurance to around 4.6 million customers. We are proud to be a robust and progressive part of society’s safety net, helping customers when an incident happens and supporting them in preparing for the future.

We can look back at yet another quarter in which we improved our leading position through growth. We welcomed new customers to If, whilst keeping existing customers happy. This is a testimony to that living up to 

our customer promise, to help a lot, is earning us customers’ trust in several areas.

In this edition of the If helps a lot report, we will share insights from our commercial customers that we meet in our everyday work.

Business owners, from entrepreneurs to complex industries in the middle of the green transition have one thing in common. They all have wellbeing and resilience high on their agenda.

Thank you for partnering up with us!

Morten Thorsrud, CEO of Sampo Group

Health, security and trust – what matters most to Nordic companies

Insights from the quarter with Klas Svensson, Head of Commercial at If

One clear trend among businesses across all our  markets is the growing demand for personal insurance. The main drivers are concern about access to public healthcare and increasing interest in offering attractive employee benefits. Small businesses stand out when it comes to worrying about how long-term sick leave could affect their daily operations.

Cybercrime is also becoming an increasing concern – something we work actively to prevent together with our customers, as well as offering support when something happens.

Our legal expertise has been a valuable support for many customers in complex situations. We know that smaller companies often lack internal resources for functions like this, and we can truly make a difference by making their work easier.

What does the situation look like for business owners today – and how can If help?
The past few years of financial instability and higher unemployment have shown that insurance plays an even more important role in society. Starting and running a business always involves taking risks, and it’s crucial that we support companies in managing those risks so they can keep contributing to growth and employment across the Nordics. We help businesses strengthen both their competitiveness and resilience.

The entrepreneur who dared – Caroline’s Story

Caroline Uthawong is a Swedish entrepreneur whose career spans jazz singing, barista competitions, and computer science. After 17 years abroad, she returned to Sundsvall to run her own restaurant consultancy while raising six children. Her work is dynamic and creative, and she finds joy in being self-employed—despite the challenges. For Caroline, having insurance with If provides peace of mind, knowing both she and her business are protected. She also values If’s focus on health and wellbeing, which helps her stay resilient while building a joyful and people-centered business.

Helping Fazer strengthen workplace safety and wellbeing

Fazer is taking proactive steps to enhance workplace safety and wellbeing, with a strong focus on ergonomics and mental health. Through expert collaboration with If, employees—especially in sales and manufacturing—are benefiting from tailored ergonomic guidelines, sleep awareness training, and practical safety improvements. “It’s rewarding when our work helps strengthen both wellbeing and everyday safety,” says Salla Lind-Kohvakka, Nordic Digital Risk Manager at If.

Sustainable real estate through long-term partnership

For over 20 years, If has partnered with international real estate company Vastint to support sustainable development through expert risk engineering. From solar panels to circular construction, Vastint’s projects reflect a deep commitment to long-term value – and If is there to help ensure safety and resilience every step of the way. “The most sustainable building is the one that reaches its full life expectancy,” says Erik Van Der Heijden, Senior Risk Engineer at If.

Want to learn more?

Read the whole report here.

If helps a lot report Q3

Previous reports

Here you can read our previous If helps a lot reports.

If helps a lot report 2025

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