Home › Business insurance
An entrepreneur asks whether they can see the insurance price without a salesperson's call, whether they get help immediately when a hacker hits the company's information system and how large a discount can be obtained on business insurance. These decide 50 points out of 100.
Score shows how the company does on our comparison criteria, on a 0–100 scale. Rankings cannot be bought.
Basic metrics · 68.4
+ The content of the insurance cover is itemised very thoroughly: each cover (liability, legal expenses, business interruption, data security i.e. cyber insurance, property, consultant liability, IPR) is explained in its own text, covering what it covers and who it suits
Basic metrics: 68.4, rank 1 · no change
Basic metrics · 66.8
+ Damage types and covered situations are itemised exceptionally clearly: 'Has damage occurred? Select the damage' lists work accident, vehicle, property, building, transport, liability, legal expenses, business interruption and data security damage as separate paths
Basic metrics: 66.8, rank 2 · no change
Basic metrics · 60.5
+ Property and operations insurance is itemised: property insurance, business interruption insurance, liability insurance, legal expenses insurance, transport insurance and cyber insurance each appear as their own products
Basic metrics: 60.5, rank 4 · ▲ 1 place
– Discount: The maximum discount is not stated on the interruption, cyber or sole trader insurance page.
Basic metrics · 58.6
+ Insurance cover is grouped clearly by the insured subject: Property and operations (business insurance, liability insurance, patient insurance, business interruption insurance, cyber insurance, transport liability insurance) and People, Vehicles, Travel, Life and Pension as their own entities
Basic metrics: 58.6, rank 5 · ▲ 1 place
– Discount: The maximum amount of the discount is not stated on the companies front page, the cyber insurance page or the page for starting entrepreneurs.
Basic metrics · 64.5
+ The insurer and business ID (Y-tunnus) are shown directly in the footer of every page: '© Pohjantähti Keskinäinen Vakuutusyhtiö 2026, Raatihuoneenkatu 19, 13100 Hämeenlinna, business ID (Y-tunnus): 0146905-4', which is the most open insurer information in the comparison
Basic metrics: 64.5, rank 3 · ▼ 2 places
– Help in a cyber attack: Cyber or data security insurance was not found in the company's sitemap, on the business front page, the business interruption insurance page or the liability insurance page.
Weights are fixed. All companies are measured on the same scale. Read the full methodology.
| Buying motive | What is measured | Scale | Weight |
|---|---|---|---|
| Price online QUESTIONCan I see the price of company insurance online without a call from a salesperson? | Whether the price of business insurance can be calculated and the insurance bought on the company's page. | Price and online purchase for business insurance = 100, only for some of the insurance = 50, only a request for quotation or contact request = 0. | 22 p |
| Help in a cyber attack QUESTIONCan I get help immediately when a hacker hits my company's systems? | How clearly the cyber insurance page promises help with damages. | Help around the clock = 100, telephone on-call service without hours = 60, help mentioned but channel not stated = 30. | 14 p |
| Discount QUESTIONHow large a discount can be obtained on business insurance? | The highest discount percentage the company publishes for business customers. | 20% or more = 100 points, no discount = 0, in between directly proportional. | 14 p |
| Basic metrics | Digital quality, transparency, reachability and AI quality score | Basic metrics × 0.5 | 50 p |
Business insurance brings together property, liability, business interruption and personal insurance, but it is hard for an entrepreneur to see in advance what the insurance really covers and what the excess is. We scored 5 Finnish insurance companies on 20 metrics. The most important question: can you see the content of the cover, the distinction between statutory insurances and the quote request directly on the page, or only after contact?
Business insurance brings together the most important insurances of a company and an entrepreneur: the statutory workers' compensation insurance and YEL insurance, as well as voluntary property, liability, business interruption and cyber insurance. The price is almost always given as a quote, because it depends on the industry, number of staff, turnover and the property to be insured, so no company shows a ready-made euro amount online. In this guide we compare the transparency of Finnish insurance companies' public business insurance pages: whether the entrepreneur can see the content of the insurance cover, the distinction between statutory and voluntary insurances, a request for quote online, the claims process, the terms and product fact sheets, and the insurer before making contact.
Price calculator or quote request online without a phone call (25), insurance cover contents and compensable damages itemised (20), YEL and statutory occupational accident insurance stated separately (15), claims process or claim notification online described (10), terms and product description publicly findable (10), deductible level or determination stated (10), insurer or business ID (Y-tunnus) displayed (10)
Transparency is 30% of the basic metrics, i.e. 15% of the total points · these metrics make up its 100 points · the full formula and the other pillars
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer experience is brought into the assessment separately. We also collect customer feedback and customer experiences about companies through separate surveys. The survey results will be added to the overall assessment later.
Business insurance is priced by quotation. The price depends on the industry, number of staff, turnover and the property to be insured, so no company shows a ready-made euro amount online. The companies that rise to the top of the comparison are those that offer a quote request or survey directly online and describe the content of the insurance cover openly already on the product page. An online quote request is not full price transparency, but it is better than just a phone number.
Statutory and voluntary ones should be kept separate. An entrepreneur must take out YEL insurance and statutory occupational accident insurance for their employees, and on top of these come voluntary property, liability and business interruption insurance. The companies that rise to the top are those that clearly state which insurances are mandatory and which are voluntary, itemise the damages covered and keep terms and product fact sheets publicly available.
Pohjola Vakuutus (OP) is not included in the comparison. OP sells business insurance, but op.fi serves its content behind a cookie and login wall, which we do not bypass. We were therefore unable to measure its transparency from the public site in this round. This is a measurement gap on our side, not a claim about OP. The same approach has been taken in our other insurance comparisons.
Every company is measured with the same public formula: half of the points come from buyer's questions and half from basic metrics, which have four pillars: technical quality, transparency, reachability and AI quality score. Ranking cannot be bought, and you can see the origin of each point on the company's profile. Read the full methodology →
An entrepreneur must take out YEL insurance when the business meets the conditions of the law, and statutory occupational accident insurance for their employees. Other insurance, such as property, liability, business interruption and cyber insurance, is voluntary but often important.
The price depends on the industry, number of staff, turnover and the property to be insured, so it cannot be shown as a ready-made amount in euros. All the companies in the comparison price business insurance as a quotation, which you get by request for quotation or by contacting them.
Business liability insurance is a so-called basic insurance that covers personal injury and property damage that a company causes to outsiders through its operations. Legal expenses insurance is often taken alongside it for disputes and criminal matters.
Business interruption insurance helps cover a company's fixed costs and loss of sales if business is interrupted as a result of property damage such as fire or water damage.
Request quotes from several insurers and compare the content of the cover, the deductible and the exclusions, not just the price. Read the product summary and the terms, and make sure that compulsory insurance is in order before optional extra cover.
The free pre-analysis shows every item where your company loses points and which rank fixing it is enough for. The paid analysis shows what the items are and how to fix them.
Can't find your company on the list even though it should be there? Get in touch and we will include it in the next measurement round.
See the free pre-analysis A ranking cannot be bought. The analysis shows how it is earned.