Insurer profile
Topdanmark – a part of If Skadeforsikring, branch of If Skadeförsäkring AB (publ), Sweden
Topdanmark – a part of If Skadeforsikring, branch of If Skadeförsäkring AB (publ), Sweden · Denmark
Overview
Topdanmark is one of Denmark's largest insurance companies, offering non-life insurance products to private individuals, businesses, and the agricultural sector. Founded in 1972 through the merger of Mejeriernes Ulykkesforsikring and Arbejdsgivernes Ulykkesforsikring (established 1898–1899), it became a public company in 1985 and was fully acquired by Finnish Sampo Group in October 2024. As of 1 July 2025, Topdanmark and If Skadeforsikring merged into a single company, forming the largest insurance group in the Nordic region with over 4.5 million customers; Topdanmark now operates as part of the Danish branch of If Skadeförsäkring AB (publ), Sweden; from 24 November 2026 the Topdanmark brand is replaced by If for private and business customers, with prices and cover unchanged.
Source32
Products in this market
3
Offer pages
Company details
- Parent group
- If Skadeförsäkring AB (publ) / Sampo Group
- Regulator
- Danish Financial Supervisory Authority (Finanstilsynet) and Swedish Finansinspektionen (as branch of a Swedish entity)
- Phone
- +45 70 13 79 13
- [email protected]
Products from Topdanmark – a part of If Skadeforsikring, branch of If Skadeförsäkring AB (publ), Sweden
Motor4
Car Insurance – Third Party Liability
Mandatory third-party liability insurance covering damage caused to other persons or their property by your vehicle.
Car Insurance – Comprehensive (Casco)
Comprehensive motor insurance covering theft, damage, and accidents to your own vehicle.
Electric Vehicle Insurance
Specialised insurance for electric, hybrid, and plug-in hybrid vehicles including battery and charging cable coverage.
Motorcycle Insurance
Mandatory third-party liability and optional casco insurance for motorcycles, including roadside assistance.
Property10
Contents Insurance
Covers personal belongings inside your home against theft, fire, water damage, and more, with optional extended electronics cover.
Home Insurance (Buildings)
Building insurance for owner-occupied homes covering fire, storm, water damage, burglary, and homeowner liability.
Holiday Home Insurance
Year-round insurance for summer houses, holiday homes, and allotment houses covering fire, storm, water damage, theft and vandalism.
Construction Insurance (Private)
Insurance covering damage during construction or renovation work on your private home.
Commercial Insurance for Self-Employed (0-5 employees)
Tailored business insurance package for self-employed individuals and small businesses covering property, liability, and other commercial risks.
Commercial Insurance for Larger Businesses (5+ employees)
Bundled business insurance package for larger companies covering employee accidents, cyber risk, and business travel.
Commercial Property Insurance
Covers company buildings, solar panels, and wind turbines against weather damage and major incidents, with an optional all-risk extension.
Wind Turbine Insurance
Broad insurance for wind turbines covering fire, theft, water damage, and physical damage to the gearbox or generator, plus optional business interruption cover.
Agricultural Insurance (Landbrugsforsikring)
Comprehensive farm insurance package covering buildings, livestock, machinery, contents, liability, and loss of income for agricultural businesses.
Agricultural Contents & Business Interruption Insurance
Combined agricultural contents and business interruption insurance covering fire, weather damage, theft, and income loss for farms.
Health4
Accident Insurance
Personal accident insurance providing a lump sum for permanent disability following an accident, with optional critical illness cover.
Health Insurance
Private health insurance via Dansk Sundhedssikring offering fast specialist treatment; available in five tiers: Basis, Flex, Senior, Alvorlig Sygdom, and Koordinator360.
Children's Insurance
Around-the-clock insurance for children covering accidents, with optional critical illness cover, until age 18.
Pregnancy Insurance
Insurance covering pregnancy and the period after birth, offering compensation for critical illness at birth and access to midwife-led online sessions.
Liability4
Boat Insurance
Liability and optional casco insurance for boats, with add-ons for extended sailing area, year-round sailing, and trailer cover.
Drone Insurance (Business)
Mandatory liability insurance for businesses using drones, covering damage to persons or property caused by the drone.
Directors' and Officers' Liability Insurance
Covers board members' personal liability, with no deductible, if they are held liable for damages towards banks or other creditors.
Business & Product Liability Insurance
Covers the financial consequences if a business is held liable for property or personal damage caused to customers or employees.
Travel2
Annual Travel Insurance
Annual travel insurance covering the household for holidays, including emergency medical treatment, 24/7 assistance, and optional ski and cancellation cover.
Youth Travel Insurance
Specialised travel insurance for travellers under 28, designed for extended stays abroad such as exchange programmes or gap years.
Financial2
Income Protection Insurance (Lønsikring)
Income protection insurance covering up to 90% of previous salary for up to 12 months at a time (max 36 months) if made involuntarily unemployed.
Job Transition Insurance
Insurance letting you carry your previous, longer notice period into a new job, covering up to 90% of salary if made redundant within the first 12 months.
Pet2
Dog Insurance
Mandatory liability insurance for dogs plus optional illness/accident coverage including veterinary costs, with lifetime cover up to approx. DKK 30,840/year.
Cat Insurance
Illness and accident insurance for cats covering veterinary treatment costs, with optional add-ons such as dental treatment.
Cyber2
Cyber Insurance for Businesses
Business cyber insurance providing round-the-clock expert help and cost coverage after hacker attacks, ransomware, or data leaks.
Online Banking Fraud Insurance
Covers losses for small businesses from online-banking fraud up to approximately DKK 3.5 million, since banks do not cover such losses for companies.
Other2
Workers' Compensation Insurance
Mandatory workers' compensation insurance covering employees who suffer an accident at work, including treatment costs and permanent disability compensation.
Livestock Insurance
Insurance for agricultural livestock (cattle, pigs, poultry, sheep, goats, deer) covering death and injury due to accident, fire, storm, or theft.
Regulatory updates
Following the merger completed on 1 July 2025, Topdanmark Forsikring A/S (LEI 549300ZSIJREG4GDWJ45) was formally absorbed into If Skadeförsäkring AB (publ), with its legal entity record marked 'RETIRED' via 'ABSORPTION' effective that date; Topdanmark now trades in Denmark as a branch (CVR no. 24203212) under Finanstilsynet and Finansinspektionen supervision. Topdanmark's own 'Finanstilsynets seneste redegørelse' page currently states there are no newer inspection reports to publish. Topdanmark Livsforsikring's life/pension book was separately divested to Nordea (Nordea Pension).
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Topdanmark for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 10, 2026
Motor third-party liability
motor third-party liability insurance from Topdanmark for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026
Travel insurance
travel insurance from Topdanmark for the Denmark market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026