Case study

LocalTapiola (Finland)

Last update: 30 April 2021

Key facts

LocalTapiola is a mutual group of companies established in 2013, providing non-life, life and pension insurance, asset management, real estate and finance services to private customers, farmers, entrepreneurs, corporate customers and organisations. LocalTapiola has a network of 19 regional mutual insurance companies employing approximately 3,400 people, servicing nearly 1.6 million customers. In 2019, the company had business premium income of EUR 1.2 billion and EUR 0.6 billion for non-life insurance and life insurance, respectively. 


LocalTapiola’s vision and mission is to become a life-long security company, providing comprehensive and proactive services to safeguard its owner-customers’ lives and success. For more information visit their website 

Water damage prevention programme 

LocalTapiola has a vision to reduce water damage claim payouts by 50% by the year 2025. They have learned that the easiest way of starting to prevent water damage was to pinpoint focus into single family homes and invest in technology. The concept is to offer the a Sense Guard kit to family homes free of charge with valid insurance. 

Farm safety programme 

LocalTapiola’s Farm Safety Programme was created to provide a unified means for assessing risks on the farm with the aim to encourage farmers to take action to improve safety. The safety mapping assessment covers a range of risk areas including document storage, fire, electrical installations and equipment, combustion engines, heating plants, fire work, oil tanks and occupational health.  

Mechanisms: Modelling & Data
Hazards: Multi hazard

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