försäkringsmäkling

försäkringsmäkling, also referred to as insurance brokerage, is a profession that involves advising and representing clients in the procurement of insurance coverage. A broker acts as an intermediary between the policyholder and one or more insurers, and its primary role is to assess the client’s risk profile, identify suitable insurance products, and negotiate terms on the client’s behalf. In Sweden, försäkringsmäklare operate under the authority of the Swedish Agency for Financial Markets and are subject to licensing requirements that ensure they meet strict ethical and professional standards.

Unlike licensed insurance agents who typically work for a single insurer, a broker maintains independence and can offer a wider range of options from multiple carriers. This independence enables brokers to recommend coverage that best fits the client’s needs rather than a single product line. Typical services include risk assessments, policy comparison, claims support, and periodic review of coverage as circumstances change. Brokers may charge a fee for their services, receive commissions from insurers, or both, depending on the contractual arrangement.

In recent years, digital platforms have expanded the accessibility of försäkringsmäkling, allowing clients to compare policies online, submit inquiries, and receive personalized recommendations. Despite this digital shift, the core of försäkringsmäkling remains personalized customer service, thorough market knowledge, and the ability to secure appropriate coverage for a variety of private and commercial insurance needs.