About Tryg

Our business

Learn how Tryg is organised, meet our management and read about the business areas.

Organisations diagram Tryg

The organisation of Tryg

Tryg is governed by a two-tier system, in which the Supervisory Board and the Executive Board manage Tryg's affairs.

Meet our management

The two tiers are distributed over four national business areas in Denmark, Norway and Sweden. 

Close to customers 

Tryg’s four national business areas each has a clear, unambiguous responsibility for profitability, development, sales and administration. This enables us to make decentral decisions quickly and close to our customers across the Nordic region.  

Click the headlines below to read read about our business areas.  

Our business areas

Private

The Private business area sells insurances to private customers in Denmark and Norway.
 – among others: car, contents, house, accident, travel, motorcycles, dog and health. 

Key figures

  • Gross premium income: DKKm 8,798
  • Employees: 1,000
  • Distributions channels: Call centres, Affinity groups, Car dealers, Real estate agents, Franchise offices, Nordea branches, online sales.
  • Brands: Tryg Forsikring and Enter Forsikring (Norway)
Commercial

The Commercial business area sells insurances to small and medium sized businesses in Denmark and Norway. Among others: car, property, house, liability, travel, accident and health. 

Key figures

  • Gross premium income: DKKm 3,862
  • Employees: 479
  • Distributions channels: Call centres, Own sales agents, Franchise offices, Nordea branches, Affinity Groups, Online sales.
  • Brands: Tryg 
Corporate

The Corporate business area sells insurances to corporate customers with more than 100 employees and a turnover above DKK 100 million. Among others: property, accident, liability, transportation and group life. 

Corporate operates under the names Tryg, in Denmark and Norway, and Moderna in Sweden. Tryg Corporate is a part of the global network AXA corporate solutions. 

Key figures

  • Total earned premium: DKKm 3,852
  • Employees: 250
  • Distributions channels: Direct sales channels, insurance brokers. 
  • Brands: Tryg, Moderna (in Sweden), Tryg Garanti

Tryg Garanti
Tryg Garanti is the largest specialised surety insurance company in the Nordic region and is a subsidiary of Tryg.  The subsidiary is included in the business area Corporate.

Tryg Garanti issues all types of bonds in the construction and order producing industry. Furthermore, we issue bonds in favour of public authorities, e.g. the Probate Court and the EU Directorate.

Tryg Garanti is a member of the International Credit Insurance & Surety Association, ICISA , which secures a wide co-operation with other leading experts in the surety business in Europe as well as worldwide. This co-operation also gives us a possibility of supporting the activities of Danish companies abroad.

The primary customers are contractors and contract manufactures. Tryg Garanti guarantees its customers' performance under the contracts they have signed. Tryg Garanti is present in Denmark, Norway, Sweden (under the brand Moderna Garanti) and Finland. Read more about Tryg Garanti here.

Sweden

The business area Sweden sells insurances to private customers and small and medium sized businesses. Among others: Car, house, dog, boat and accident. 

Key figures

  • Total earned premium: DKKm 1,487
  • Employees: 353
  • Distribution channels: Own sales agents, call centres, online sales.
  • Brands: Moderna, Moderna Djurförsäkringar, Atlantica Båtförsäkring, Bilsport and MC specialförsäkring.

Partners

Tryg has strategic partnerships build on strong relations. Our partners among others include the Nordic bank group Nordea and AXA Corporate solutions – one of the largest insurance groups in the world.

Nordea
Since July 1st 2002 Tryg has had a strategic partnership agreement with Nordea, one of the largest banks of the Nordic region. Nordea refers costumers to Tryg in Denmark and Norway – and Tryg sells Nordea's life insurance and pension products.  
AXA Corporate Solutions
Since May 2008, Tryg has used the international network of AXA Corporate Solutions to meet Nordic customers' international requirements. The partnership makes Tryg part of a global network represented in more than 90 countries and with geographical coverage of 95% of the inhabited world.