Insurer profile
LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)
LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö) · Finland
Overview
LähiTapiola (LocalTapiola) is a Finnish mutual finance group formed by the fusion of the Lähivakuutus and Tapiola companies, owned by its customers.
Source36
Products in this market
3
Offer pages
Company details
- Parent group
- LähiTapiola-ryhmä (LocalTapiola Group)
- Regulator
- Finnish Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
- Phone
- +358 9 4531
- [email protected]
Products from LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)
Motor5
Motor Third-Party Liability Insurance (Traffic Insurance)
Mandatory traffic insurance covering personal injury and third-party property damage caused in traffic.
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.
Motorcycle and Moped Insurance
Insurance covering motorcycles and mopeds including mandatory traffic insurance and optional casco coverage.
Company Vehicle Traffic Insurance
Mandatory traffic insurance for company-owned vehicles covering third-party liability in traffic.
Company Vehicle Casco Insurance
Voluntary comprehensive insurance for company vehicles covering own-damage risks.
Property7
Home Insurance
Home insurance for all types of residences (apartments, detached houses, holiday homes) available in multiple levels covering contents and sudden damages.
Forest Insurance
Insurance protecting forest owners against storm, fire, insect and fungal damage, with customisable coverage for individual forest properties.
Boat Insurance
Insurance for motor and sailing boats covering hull, engine, fittings and liability for damage to other boats or persons.
Business Property and Operations Insurance
Comprehensive insurance package for businesses covering property, operations and tailored risks.
Business Interruption Insurance
Insurance covering financial losses from business interruption due to an insured event.
Farm Insurance (Kantri)
Comprehensive farm insurance covering farm buildings, equipment, livestock, crops and farm operations.
Farm Machinery Insurance
Insurance for farm working machines covering damage and breakdown risks on the farm.
Health7
Personal Accident Insurance
Personal accident insurance covering medical costs and income loss resulting from accidents, valid 24 hours a day.
Health Insurance (Illness and Medical Expenses)
Health insurance covering medical expenses from illness and accidents, ensuring fast access to private healthcare.
Child Insurance
Children's health and accident insurance covering medical costs from illness and accidents, including sports and hobbies, up to age 18.
Baby / Unborn Child Insurance
Insurance that can be taken out before birth providing comprehensive medical and accident cover for the baby without health-based restrictions, plus pregnancy-related cover for the mother.
Critical Illness Cover
Lump-sum benefit paid upon diagnosis of a specified serious illness, available for individuals and businesses.
Workers' Compensation Insurance
Statutory workers' compensation insurance covering work accidents and occupational diseases for employees.
Disability (Work Ability) Insurance
Insurance covering income loss from long-term disability or inability to work for employees and entrepreneurs.
Liability3
Business Liability Insurance
Liability insurance for businesses covering damages caused to third parties by the company's operations.
Patient Liability Insurance
Statutory patient insurance covering patient injuries caused by healthcare operations.
Transport Liability Insurance
Liability insurance for businesses covering damage to goods during transport for which the company is legally responsible.
Travel3
Travel Insurance
Travel insurance covering illness and accident abroad, trip cancellation and luggage, available as continuous or single-trip cover.
Domestic Travel Insurance
Travel insurance valid within Finland when travelling more than 50 km from home, covering medical costs and trip cancellation.
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.
Life4
Personal Life Insurance
Term life insurance providing a lump-sum payment to beneficiaries upon the insured's death.
Entrepreneur's Life Insurance
Life insurance for entrepreneurs covering death and optionally serious illness, protecting the business and family finances.
Group Life Insurance
Group life insurance for company employees providing a death benefit to their beneficiaries.
Business Partner Protection Insurance
Life insurance protecting a company against the financial impact of losing a key business partner.
Financial3
Voluntary Group Pension Insurance
Supplementary group pension insurance for company employees as an employee benefit.
Investment Insurance (Unit-Linked)
Unit-linked investment insurance combining savings and investment with an insurance wrapper, issued by LähiTapiola Keskinäinen Henkivakuutusyhtiö.
Capitalisation Agreement
A savings and investment contract without an insured person, issued by the life insurance company for corporate and institutional savings.
Other2
Regulatory updates
LähiTapiola's insurance entities (e.g. LähiTapiola Keskinäinen Henkivakuutusyhtiö, business ID 0201319-8) are supervised by the Finnish Financial Supervisory Authority (FIN-FSA/Finanssivalvonta), and its life insurance company has been granted transitional measures for solvency calculation valid until 1.1.2032. Finanssivalvonta has previously imposed a EUR 125,000 sanction on the group's asset-management subsidiary, LähiTapiola Varainhoito Oy, for failures in organizing trade reporting.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from LähiTapiola for the Finland market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026
Motor third-party liability
motor third-party liability insurance from LähiTapiola for the Finland market, with online purchase and 24/7 assistance.
Last verified Sep 10, 2026
Travel insurance
travel insurance from LähiTapiola for the Finland market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026