Insurance Business Review: Specials Magazine

Vering Nordics stands out as an independent loss adjusting and claims management firm, led by seasoned loss adjusters with deep technical expertise and hands-on industry insight. It is well-known for delivering responsive and accurate services for insurers, corporates and international partners across the Nordic and Baltic countries. With broad territorial coverage and a specialized approach, Vering Nordics handles complex and high-value claims for its clients. At the heart of its excellence is a comprehensive network of experienced loss adjusters, built and expanded over the past 20 years within vrs PACE under the leadership of Pia Lundberg, senior loss adjuster and former claims and risk manager. The network underpins its ability to deliver dedicated teams tailored for every assignment across all lines of insurance. “I am confident and proud that we always succeed in finding the right person to handle the claim, in metropolitan areas as well as in remote parts,” says Fredrik Westerberg, CEO. A majority of these adjusters and surveyors are members of national loss adjusting and surveyors associations. This forms a key part of its quality framework. Vering Nordics also reviews every file and claim handling internally before finalizing. Comprehensive checks on policy coverage, claim contents, and adjustments ensure high-quality outcomes. Now part of Vering International and Adenes France, Vering Nordics is poised to attract top-level adjusters to its team. Joining hands with a leading European loss adjusting group, it strengthens its ability to manage international programs and serves major European insurers and captives. This pursuit attracts high-profile accounts and claims. Irrespective of claim size, Vering Nordics maintains impartiality and independence at every stage, meeting the highest ethical standards. In most cases, it is provided with the policy and insurance conditions, and losses are assessed and recommended in accordance with these terms. It engages openly with all parties involved, ensuring a fair and reasonable interpretation of the cover. ... Read More

Top Expat Insurance Agency in Europe 2025

For internationally mobile professionals, pensioners, and families, crossing a border no longer means starting over. Insurance, however, often still does. Expatriates encounter fragmented healthcare systems, regulatory uncertainty, and unfamiliar languages, leaving them unsure whether their health, property, car or income will remain protected. Headquartered in Greece and founded by managing director John Paterakis, insuranceline was built to resolve this disconnect. Its mission is to make insurance clarity, continuity, and security accessible to expatriates whenever life takes them all around Greece. Rather than treating relocation as a reset, the agency ensures protection remains consistent across borders through advisory-led, long-term relationships. What distinguishes insuranceline is its refusal to operate transactionally. Traditional brokers focus on domestic products and short-term pricing, while online-only platforms prioritize speed and self-service, often leaving clients to navigate exclusions alone. Insuranceline operates at the intersection of cross-border expertise, human guidance, and digital efficiency, delivering continuity where fragmented solutions fall short. “We do not simply sell policies. We design insurance strategies intended to remain relevant across borders, life stages, and regulatory environments,” says John P. For expatriates, this approach matters most at moments of change. Relocation, renewal, and claims are precisely where transactional models tend to fail. Insuranceline’s advisory structure is designed to anticipate these moments rather than react to them. At relocation, advisors assess future mobility plans, visa requirements, healthcare access, and family considerations. At renewal, they proactively review changes in residence, income, or legal status. During claims, clients have direct access to an advisor who understands both policy detail and local systems. Insurance shifts from a distant contract into a reliable support structure. ... Read More

Insurance Broker

BAVARIA AG was founded in in 1973 by Dieter Krautgartner to exhibit its services with reliability and personalized care in the European insurance brokerage space. Since then, the company has been committed to fostering strong client relationships through a personal touch that transcends industry norms. Following Krautgartner's legacy, BAVARIA AG remains a frontrunner in traditional speciality insurance brokerage, setting new standards while being dedicated to fulfilling its client’s needs. “Central to our success are the core principles of reliability, personalization, and directness,” says Sandra Ahrabian, chairwoman of BAVARIA AG's supervisory board. “These principles are not merely buzzwords but ingrained in the company's ethos, guiding every interaction and decision.” BAVARIA AG's steady binary growth over the years serves as a testament to the effectiveness of this approach, setting it apart from competitors in the market. The company’s expert employees are at the forefront of handling damages, insurance, and claim settlements. Clients can rely on the company to provide round-the-clock support and remain the direct point of contact for any questions or concerns. With a focus on procedures and the progress of claim cases, BAVARIA AG works closely with insurance companies to ensure swift and satisfactory resolutions for its clients. One of the distinctive offerings of BAVARIA AG is its aircraft insurance classification system, tailored specifically for single-engine aircraft. This proprietary system utilizes a comprehensive database to assess each aircraft and pilot, considering factors such as pilot workload and technical specifications to determine insurance premiums. By customizing premiums based on individual risk profiles, BAVARIA AG ensures fair and competitive pricing for its clients. ... Read More

Specialty Insurance

Pulse Insurance excels in providing specialty innovative insurance solutions for individuals and businesses facing higher-than-standard risks. Authorised fully by Lloyd’s in the UK and Brussels in Europe, both premier names in the insurance marketplace, Pulse Insurance wields the independence to underwrite personal accident and travel risks directly. This autonomy allows the company to offer comprehensive coverage across Europe, blending competitive rates with broad policy provisions to strengthen operational resilience. What sets Pulse Insurance apart is its commitment to customisation. Recognising that one-size-fits-all solutions are often inadequate, it proactively adjusts its policies to better fit the distinct needs of each client. This flexibility is a significant advantage, streamlining the underwriting process by minimising referral points, which in turn speeds up decision-making and policy implementation. As a result, businesses can secure the essential coverage they require swiftly, ensuring continuity in their operations. Joe Balsom, head of specialty at Pulse Insurance, encapsulates the company’s ethos, stating, “Finding the best solution for clients has always been in our DNA. We ensure that holding a Pulse Insurance policy means being in safe hands.” The company shines in the realm of niche insurance. It offers personal accident insurance and optional sickness coverage—plans precisely designed to protect businesses when employees are incapacitated by illness or injury. These policies are a lifeline for companies, allowing them to compensate affected employees or hire additional staff to maintain operational continuity. This layer of protection is vital for SMEs, where the stability of the workforce is directly linked to sustained business performance. The benefits of Pulse’s comprehensive approach extend to employees. Offering travel insurance as an employee benefit means staff have one less thing to worry about when they take a break from work. If the company holds a Pulse Travel policy, their employees receive 24/7 access to medical emergency assistance and coverage that includes pre-existing conditions— provisions that are often omitted in standard policies. Not just that, Pulse’s policies cover cancellation, curtailment and personal accidents during company trips and even extend to vacations taken by company directors. ... Read More

IN FOCUS

The Evolving Role of Loss Adjusters in Europe's Digitised Insurance Ecosystem

The European insurance industry is evolving with AI and remote technologies, transforming loss adjusters into data analysts who enhance customer experience while prioritising sustainability and efficiency.

Learn more

The Importance of Specialised Agencies for European Citizens

Specialised expat insurance agencies provide essential, portable, and holistic protection for globally mobile Europeans, ensuring compliance, continuity, and tailored coverage amid evolving residency, legal, and healthcare requirements.

Learn more

EDITORIAL

How Innovation is Shaping European Claims Handling

The market for loss adjusting and claims handling companies in Europe in 2025 has been shaped by a convergence of economic, environmental and technological trends.

Rising climate-related incidents, ongoing regulatory reforms and increased demand for digital solutions have driven significant changes in claims volumes and operational complexity, prompting firms to embrace innovations like AI and digital platforms to improve efficiency and customer experience. The insurance claims services sector is projected to grow robustly, driven by higher accident rates, supply chain disruptions and heightened risk awareness among businesses and consumers.

Challenges such as workforce shortages, rising claims costs and the need to comply with evolving regulatory frameworks have pushed companies to optimise their processes and invest in new technologies. Integration of AI, machine learning and predictive analytics is accelerating claims assessments, reducing fraud and strengthening resilience in the face of economic volatility and climate change.

Regulatory pressures, including updates to Solvency II and the implementation of the Digital Operational Resilience Act (DORA), continue to shape operational strategies and risk management across the industry.

Despite these challenges, the sector remains optimistic. Firms are focusing on digital transformation and diversifying their service offerings to maintain competitiveness. With ongoing technological advancements and evolving risk landscapes, the outlook for loss adjusting and claims handling services in Europe is positive, paving the way for more adaptive and resilient solutions by the end of 2025.

In this edition, we feature some of the industry’s most influential names. Leaders such as Martin Thormählen, Member of Staff, of Munich Re[ETR: MUV2], and Ulf Hulthen, BIO/IT Director at Länsförsäkringar, share their perspectives on market opportunities and challenges. We hope these insights help you make more data-driven, strategic business decisions.