Insurer profile
LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)
LähiTapiola (LocalTapiola) is a Finnish mutual group of companies owned by its customers, formed in 2013 from the merger of Lähivakuutus and Tapiola. It serves over 1.6 million private, farm, entrepreneur, and corporate customers through 19 regional mutual insurance companies and around 200 offices across Finland, offering non-life, life, and pension insurance as well as investment and savings services.
Source- Legal entity
- LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)
- Headquarters
- Espoo, Finland
- Parent group
- LähiTapiola-ryhmä (LocalTapiola Group)
- Regulator
- Finnish Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
- Phone
- +358 9 4531
- yksityisasiakkaat@lahitapiola.fi
- Last verified
- May 1, 2026
Products from LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)
motor
Motor Third-Party Liability Insurance (Traffic Insurance)
Mandatory traffic insurance covering personal injury and third-party property damage caused in traffic.
motor
Comprehensive Vehicle Insurance (Casco)
Voluntary comprehensive car insurance available in two levels (Suppea and Laaja) covering own vehicle damage from fire, theft, vandalism, collisions and more.
motor
Motorcycle and Moped Insurance
Insurance covering motorcycles and mopeds including mandatory traffic insurance and optional casco coverage.
motor
Company Vehicle Traffic Insurance
Mandatory traffic insurance for company-owned vehicles covering third-party liability in traffic.
motor
Company Vehicle Casco Insurance
Voluntary comprehensive insurance for company vehicles covering own-damage risks.
property
Home Insurance
Home insurance for all types of residences (apartments, detached houses, holiday homes) available in three levels (Suppea, Perus, Laaja) covering contents and sudden damages.
property
Forest Insurance
Insurance protecting forest owners against storm, fire, insect and fungal damage, with customisable coverage for individual forest properties.
property
Boat Insurance
Insurance for motor and sailing boats covering hull, engine, fittings and liability for damage to other boats or persons.
property
Business Property and Operations Insurance
Comprehensive insurance package for businesses covering property, operations and tailored risks.
property
Business Interruption Insurance
Insurance covering financial losses from business interruption due to an insured event.
property
Farm Insurance (Kantri)
Comprehensive farm insurance covering farm buildings, equipment, livestock, crops and farm operations.
health
Personal Accident Insurance
Personal accident insurance covering medical costs and income loss resulting from accidents, valid 24 hours a day.
health
Health Insurance (Illness and Medical Expenses)
Health insurance covering medical expenses from illness and accidents, ensuring fast access to private healthcare.
health
Critical Illness Cover
Lump-sum benefit paid upon diagnosis of a specified serious illness, available for individuals and businesses.
health
Workers' Compensation Insurance
Statutory workers' compensation insurance covering work accidents and occupational diseases for employees.
health
Disability (Work Ability) Insurance
Insurance covering income loss from long-term disability or inability to work for employees and entrepreneurs.
travel
Travel Insurance
Travel insurance covering illness and accident abroad, trip cancellation and luggage, available as continuous or single-trip cover.
travel
Domestic Travel Insurance
Travel insurance valid within Finland when travelling more than 50 km from home, covering medical costs and trip cancellation.
travel
Trip Cancellation Cover
Cover included in travel insurance reimbursing pre-paid trip costs if the trip must be cancelled due to sudden illness or other compelling reason.
life
Personal Life Insurance
Term life insurance providing a lump-sum payment to beneficiaries upon the insured's death.
life
Entrepreneur's Life Insurance
Life insurance for entrepreneurs covering death and optionally serious illness, protecting the business and family finances.
life
Group Life Insurance
Group life insurance for company employees providing a death benefit to their beneficiaries.
life
Business Partner Protection Insurance
Life insurance protecting a company against the financial impact of losing a key business partner.
financial
Pension Insurance (YEL – Self-Employed Persons' Pension)
Statutory pension insurance for self-employed persons (YEL) as required by Finnish law.
financial
Employees' Pension Insurance (TyEL)
Statutory employees' pension insurance (TyEL) covering employees' retirement and disability pensions.
financial
Voluntary Group Pension Insurance
Supplementary group pension insurance for company employees as an employee benefit.
financial
Investment Insurance (Unit-Linked)
Unit-linked investment insurance combining savings and investment with an insurance wrapper.
liability
Business Liability Insurance
Liability insurance for businesses covering damages caused to third parties by the company's operations.
liability
Patient Liability Insurance
Statutory patient insurance covering patient injuries caused by healthcare operations.
cyber
Cyber Insurance
Cyber insurance (tietoturvavakuutus) covering costs, business interruption and liability arising from data security breaches and cyberattacks.
pet
Pet Insurance (Animal Insurance)
Insurance for pets (cats, dogs and other animals) covering veterinary costs in case of illness or accident.
other
Crop Insurance
Crop insurance for farmers covering yield losses due to weather and other insured perils; offered exclusively by LähiTapiola in Finland.
other
Livestock Insurance
Insurance for farm production animals (cattle, pigs, etc.) covering death and veterinary costs.
liability
Transport Liability Insurance
Liability insurance for businesses covering damage to goods during transport for which the company is legally responsible.
Regulatory updates
LähiTapiola is supervised by the Finnish Financial Supervisory Authority (FIN-FSA / Finanssivalvonta). The FIN-FSA's 2024 Annual Report highlighted cybersecurity and fraud prevention as top supervisory priorities. In 2025, FIN-FSA published a risk assessment on money laundering and terrorist financing for the life insurance sector, and continued monitoring compliance with the EU's DORA regulation (applicable from January 2025) for digital operational resilience. No specific enforcement actions against LähiTapiola were found in the public record for 2024–2025.