Skip to content

Global insurance intelligence

Sureligence

Insurance intelligence for markets, regulation, companies, and risk.

Company profile

Gjensidige

TypeListed Nordic non-life insurer group with Norwegian pension and savings activityHeadquarters / anchor marketNorwayLinesProperty and casualtyThemesCompany referencesInsurance groupsSource reviewLast reviewed

Gjensidige is a listed Nordic non-life insurer with a distinctive cornerstone shareholding held by Gjensidigestiftelsen. The foundation link shapes ownership, but the listed company remains separate from the foundation and from each licensed operating insurer.

Company references

Full company reference archive

View all available references and official source links for this company.

Open full company reference archive

Company at a glance

  • Headquarters: Oslo, Norway
  • Listed/legal parent: Gjensidige Forsikring ASA, listed in Oslo
  • Core insurance businesses: personal and commercial non-life insurance; Norwegian pension and savings activity
  • Main markets: Norway, Denmark and Sweden
  • Reporting currency: NOK
  • Financial year-end: 31 December
  • Regulatory context: Norwegian and European solvency supervision for the group and named undertakings

Business and operating structure

Gjensidige Forsikring ASA is the listed parent and a major Norwegian insurance company. The group organises non-life business across Norway, Denmark and Sweden and also reports pension and savings activity in Norway. Country reporting follows management responsibility rather than one Nordic legal licence.

Key insurance activities

The portfolio covers motor, property, accident, agriculture and commercial risks for individuals and businesses. Norway remains the central market, while Danish and Swedish portfolios introduce different competitive, currency and claims environments. Pension and savings have different balance-sheet dynamics from short-tail non-life cover.

Scale and current reporting context

The group reports in Norwegian kroner for the calendar year. FY2025 is the current reference for insurance revenue, underwriting result and combined ratio. Danish and Swedish contributions are translated into NOK, and weather or large-loss experience can alter period comparisons.

Legal-entity, brand and subsidiary distinctions

Gjensidigestiftelsen is a shareholder and customer-oriented foundation, not an underwriting segment of Gjensidige Forsikring ASA. Country segments may include branches or subsidiaries. Foundation ownership does not convert the listed parent into a mutual company.

Capital, ratings and regulatory context

Regulatory reports distinguish group solvency from the position of an individual undertaking. Bond-issuer and insurer-strength opinions apply to the entities identified. Nordic comparison should keep currency translation, pension activity, customer mix and catastrophe exposure visible.

What matters when comparing Gjensidige

For Gjensidige, comparison turns on foundation ownership, Nordic currencies and the contribution of pension activity.

Related intelligence

Sources and methodology

  • Annual report — Gjensidige; FY2025; Gjensidige Forsikring group and report-defined segments/geographies.
  • Key figures/results — Gjensidige; FY2025 under IFRS 9 and IFRS 17; Gjensidige group.
  • Ratings/debt — Gjensidige; Rating table updated April 2026; Gjensidige Forsikring ASA and individually identified debt instruments.
  • Official corporate profile — Gjensidige; Current profile; Norway, Sweden and Denmark; Norwegian pension/savings exception.
  • Exchange/listing — Euronext Oslo Børs; Current listing; Gjensidige Forsikring ASA, ISIN NO0010582521.