Insurance competition
We benchmark your current cover against five insurers and bring you a like-for-like comparison. Pay only if we find savings.
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30 minutes. No charge. No obligation.
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}Insurance broker · Helsinki & Kauniainen
We help SMEs in Finland review, compete, and manage their business insurance. The competition is performance-based: you only pay if we find savings. Ongoing service is a fixed monthly fee — no surprises.
We benchmark your current cover against five insurers and bring you a like-for-like comparison. Pay only if we find savings.
Read more →Annual reviews, mid-year changes, document trail. Fixed monthly fee — no surprise invoices.
Read more →When something happens, we negotiate the settlement on your behalf. You don't accept the first offer — you get what your policy entitles you to.
Read more →Both founders spent years inside Finnish insurers. We know the pricing logic and the negotiation room — knowledge you can't get without a decade in the industry.
Competition is risk-shared: no savings, no fee. Management is a fixed monthly price agreed in advance. We never make more money by recommending bigger policies.
We don't serve listed companies. We don't serve consumers. We serve Finnish SMEs (3–30 MEUR turnover) and we do it well.
01
A structured benchmark of your current cover against five Finnish insurers — comparing terms and exclusions, not just price.
Risk-shared. We charge nothing if we don't find savings. If we do, our fee is a portion of the savings — always smaller than yours. Clients typically save 10–35 % on premiums without weakening cover.
5–8 weeks from the first 30-minute review to new cover in force.
02
After competition, we keep watch on your cover so it tracks the business — turnover, headcount, premises, vehicles.
Fixed monthly fee, agreed in advance. Typical SME pays 200–800 €/month depending on size and number of policies. No percentage fees, no surprise invoices.
Minimum 12 months. After that, six-month notice. You can return to a direct relationship with the insurer at any point — your policies travel with you.
03
When a loss happens, the first offer is rarely the right number. We negotiate on your behalf so you get what your policy actually entitles you to.
For management clients, claims handling is included in the monthly fee — no extra charges. As a standalone service, the fee is agreed in advance based on the loss size and estimated work.
Call directly: +358 (0) 10 274 2750 — straight to Matti or Jari. No queue.
Working inside an insurer, you have one company's products to recommend. Even when you can see another carrier would serve the client better, you can't say so — because you don't earn anything from it.
We both felt the same thing: this isn't the position from which to serve clients well.
Ten years ago we passed the broker exam, registered with the Finnish Financial Supervisory Authority, and founded Arvomeklarit Oy. Now we work for the client — not for one insurer's targets.
Our background is still our edge. We know how Finnish insurers price risk, where the negotiation room sits, what the policy wording really means. That's not something you learn in three years.
We say what we see. If we don't see value for you, we say so — we don't manufacture reasons to work together.
Clients stay with us an average of 5+ years. That's rare in this industry, and it doesn't happen by accident.
We don't try to be big. No listed companies, no consumers — just Finnish SMEs, served well.
We'll be in touch within 24 business hours.
Mon–Fri · 8.00–17.00 EET
Email replies within 24 business hours. For urgent claims, call directly.