Gjensidige is the market leader in the commercial market in Norway, where as many as 97 per cent of the customers are served directly by Gjensidige. The main part of the customer portfolio consists of small and medium-sized enterprises and agricultural customers. Gjensidige recorded a profit after tax of NOK 3.8 billion in 2015, corresponding to a return on equity of 17,4 per cent. For the general insurance operation the premium growth was 4,3 per cent and the combined ratio was 83,7 per cent.

Lines of Business:
All non-marine Lines including Cargo