Insurance in Norway

Arntzen de Besche

Leading insurance companies, financial institutions, directors and officers, agents, and brokers frequently turn to Arntzen de Besche‘s insurance practice, which provides advise on the full range of contentious and non-contentious matters. Alexander Plows oversees the team and regularly acts for insurers and reinsurers across a broad range of issues, including coverage disputes and regulatory matters. Karl Rosén specialises in financial service regulatory mandates, while Terje Granvang has a proven track record in advising on insurance and professional indemnity issues. Elsewhere in the team, Eivind Landmark Tandrevold has proven experience in insurance disputes, and Jan Olav Aabø has demonstrable experience in litigation and professional indemnity matters. Other key names are Tobias Behncke and Bendik Misund Nedberg. Sven Iver Steen departed in February 2024.

Praxisleiter:

Alexander Plows


Weitere Kernanwälte:

Karl Rosén; Terje Granvang; Eivind Landmark Tandrevold; Jan Olav Aabø; Tobias Behncke; Bendik Misund Nedberg


Referenzen

‘The insurance team has extensive knowledge and is very service-minded. The team is set apart from other insurance teams due to Alex Plows’ experience in the London market and his ability to adapt his advice to Norwegian clients while building on his international experience.’

‘Alex Plows is an outstanding insurance lawyer and has extensive experience and knowledge within the insurance and reinsurance industry. His ability to handle complex matters is very impressive.’

Kernmandanten

XL Insurance Company SE


AXIS


RSM Norway


If P&C Insurance


Chubb European Group


Tryg


Enstar Group


Aspen Insurance


The Hartford


Liberty


Lloyd’s Insurance Company


Gjensidige Forsikring


KLP Skadeforsikring AS


Storebrand


Lloyd’s Insurance Company (Lloyd’s of London)


PwC


KPMG


Norges Banks Pensjonskasse (The Central Bank of Norway’s Pension Fund)


Solid Försäkring AB


Z Insurance AS


Highlight-Mandate


  • Representing If P&C Insurance in a NOK1.7bn Directors and Officers (D&O) liability claim filed by various hedge fund.
  • Representing Tryg in a NOK200m Directors and Officers (D&O) liability claim brought by the bankruptcy estate of Kleven.
  • Assisted ERGO in its acquisition of the remaining 50% stake of Storebrand Health Insurance.

BAHR

BAHR has an insurer-focused insurance practice that showcases a strong track record advising both domestic and international clients on marine insurance, regulatory work and asset management work. Jan Jansen, who is a seasoned insurance litigator, and Atle Skaldebø-Rød, who is singled out as an ‘extremely competent and confident lawyer’ who handles marine insurance litigation, both oversee the practice. Marine insurance is a key pillar of the practice and on this front, Mads Schjølberg and Marte Leveraas are recommended. Other notable members are Benjamin Berg Bentele, who advises insurers and policyholders on domestic litigation and arbitration proceedings, and Lars Inge Ørstavik, who joined in June 2024 from Advokatfirmaet Simonsen Vogt Wiig.

Praxisleiter:

Jan Jansen; Atle Skaldebø-Rød


Weitere Kernanwälte:

Mads Schjølberg; Marte Leveraas; Benjamin Berg Bentele; Lars Inge Ørstavik


Referenzen

‘Strong litigation and insurance team that provide sound strategic advice.’

‘Atle Skaldebø-Rød is a precise and very capable adviser and great at litigation strategy. Mads Schjølberg is a rising star, in particular in marine insurance.’

‘In-depth knowledge and understanding of our business and they provide swift and clear advice on complex matters.’

Kernmandanten

Zurich Insurance Group


Chubb Insurance


Norwegian Hull Club


Assuranceforeningen Skuld (Gjensidig)


Den Norske Krigsforsikring for Skib


If Skadeforsikring NUF


Tryg Forsikring NUF


Nordnet AB (publ)


DNB Livsforsikring ASA


Oslo Pensjonsforsikring ASA


AIG


Protector Forsikring


Livsforsikringsselskapet Nordea Liv Norge AS


Duvi AS


Aker pensjonskasse


The Norwegian association of pension funds (Pensjonskasseforeningen)


Highlight-Mandate


  • Representing Norwegian Hull Club’s P&I department in a large direct action brought by West of England P&I Club.
  • Representing JAS Worldwide and its insurers in relation to damages to a specialist cargo of four fish farm service vessels transported on the MV Eemslift Hendrika.
  • Representing Skuld in relation to the covered vessel MV Norwegian Gannet’s alleged collision with a floating fish farm cage at Sognefjorden, Norway.

Advokatfirma Kogstad Lunde & Co

Insurance and dispute resolution boutique firm Advokatfirma Kogstad Lunde & Co ‘offers consistently sound and precise legal advice’ to domestic and international insurers and reinsurers across the whole gamut of insurance matters. Firm founder and practice head Trond Werner Lunde combines expertise in insurance and tort with a background in litigation, while fellow practice head Terje Marthinsen oversees the personal injury and employers’ liability team and the aviation and energy team. Seasoned litigator Per Kristian Lundkvist is singled out as a ‘diligent and experienced lawyer’ and advises across a broad practice within insurance and tort law, while Karoline Stenberg specialises in professional liability issues, recourse claims and insurance fraud matters.

Praxisleiter:

Trond Werner Lunde; Terje Marthinsen


Weitere Kernanwälte:

Per Kristian Lundkvist; Karoline Stenberg


Referenzen

‘Kogstad Lunde offers consistently sound and precise legal advice. The teams generally consist of very down-to-earth professionals.’

‘You can always count on Terje Marthinsen and Per Kristian Lundkvist to address your problems with the utmost attention to detail, ensuring that you are quickly presented with possible solutions.’

‘Kogstad Lunde & Co is one of the few law firms in Norway that offers comprehensive legal services to the insurance industry, specialising in insurance and compensation law, and one of the very best.’

Kernmandanten

Tryg Forsikring


Protector Forsikring


Gjensidige Forsikring


If


KLP


Sandefjord kommune


Alta kommune


Frende Skadeforsikring


Frende Livsforsikring


Stavanger kommune


Haugesund kommune


Fremtind Forsikring


The Norwegian Auditors’ Association


The Norwegian Government/Attorney General/The Norwegian Labour and Welfare Organisation


The Norwegian Government / The National Complaint|Board for Health Services


Eika


Pareto Forsikringsmegling AS


Jernbanepersonalets Bank og Forsikring


Knif Trygghet Forsikring


Byggmesterforsikring


Talgø MøreTre


Landkreditt Forsikring


Ly Forsikring


Faver AS


Drangedal kommune


HDI Speciality SE


Lillehammer kommune


Kennedys Law


Norsk Hussopp Forsikring


Ulstein kommune


Skien kommune


Senja kommune


Norsk Forsikring


Statens Pensjonskasse


Trafikkforsikringsforeningen (TFF)


Yrkesskadeforsikringsforeningen (YFF)


Talgø Invest AS


Lloyds, Brussels


Sedgwick


Azure law


Highlight-Mandate


  • Represented The Motor Insurers’ Bureau (TFF) and The Occupational injury Insurance Association (YFF) in a Supreme Court cross-border case.
  • Counsel for Tryg Insurance and an auditor in a NOK100m professional liability claim.
  • Representing Protector Insurance, who has both the building insurance and the liability insurance of the owner, in the Grenfell Tower Fire.

Riisa & Co Advokatfirmaet ANS

Insurance and tort boutique Riisa & Co Advokatfirmaet ANS maintains a strong market position advising domestic and international insurance companies on the entire spectrum of insurance-related matters. Practice head Svein Bergset is adept at the full range of insurance and tort matters handling both contentious and non-contentious mandates. The team also includes Joachim Skjelsbæk, who specialises in professional liability and product liability work, Jørgen Svartebekk, who takes point on liability insurance, and Yngve Skogrand, who offers expertise in dispute settlements and claims litigation within personal lines insurance.

Praxisleiter:

Svein Bergset; Yngve Skogrand; Joachim Skjelsbæk; Jørgen Svartebekk


Weitere Kernanwälte:

Toralf Wågheim; Børth Eivind Lid


Referenzen

‘Riisa Advokatfirma is a specialist law firm within insurance and tort law. They are a total supplier of legal services to insurance companies, and as a client, we can use them in every insurance and tort matter. Their lawyers are very skilled and specialised and always give great advice for a reasonable cost.’

‘Partner Toralf Wågheim has extensive experience as an adviser and procedural lawyer. He is an expert in professional liability and corporate liability insurance and offers extraordinary experience in cases regarding malpractice from professionals.’

‘Svein Bergset is extremely responsive and provides coherent advice. We would highly recommend him.’

Kernmandanten

AIG


Gjensidige Forsikring


Fremtind Forsikring AS


If Skadeforsikring NUF


DNB Bank ASA


DNB Livsforsikring


Tryg


Oslo Pensjonsforsikring AS


Storebrand


Claims Link


Protector


Trafikkforsikringsforeningen (TFF)


Yrkesskadeforeningen (YFF)


Toyota Insurance Management SE


Allianz Global Corporate & Specialty


Nordic Guarantee


Industriforsikring


Frende Forsikring


The Norwegian Government/Attorney General/The Norwegian Labour and Welfare Organisation


Eika Forsikring


The Norwegian Government / The National Complaint Board for Health Services


Zurich


HDI Global Specialty SE Denmark


Rockwool Group Denmark


Fender Marine AS


Fidelis Partnership


Highlight-Mandate


  • Acted as legal representative for Riskpoint in a claim for compensation against the chairman of the board, general manager and their liability insurance companies after the bankruptcy in Norske Skog ASA.
  • Acted as counsel for the Patient’s Injury Compensation Board in a litigation, which regards a personal injury case.
  • Assisted AIG Europe in a case before the Supreme Court concerning the impact of the injured party’s own contribution to the loss.

Advokatfirmaet Thommessen AS

Advokatfirmaet Thommessen AS routinely advises domestic and international insurers and ‘excels in providing timely, commercial and cost-effective advice’ on a variety of insurance matters, such as D&O claims, pensions insurance, reinsurance issues and regulatory work. With a ‘wealth of experience’, Andreas Meidell oversees the team and delivers first-rate expertise on commercial insurance claims and coverage issues. Other key practitioners are Henrik Hagberg, who is an oil services and shipping lawyer with extensive experience in contentious and non-contentious work, and Tore Mydske, who advises financial institutions on matters relating to financial services regulations. Another key area for the firm is marine and offshore insurance, where Trond Hatland and Henrik Møinichen are key names.

Praxisleiter:

Andreas Meidell


Weitere Kernanwälte:

Henrik Hagberg; Tore Mydske; Trond Hatland; Henrik Møinichen


Referenzen

‘The team has a very strong grasp of the law but also excels in providing timely, commercial and cost-effective advice.’

‘New partner Henrik Møinichen is particularly impressive – gets it quickly and is very responsive, understanding what clients need and giving it to them. Long-serving partner Andreas Meidell has a wealth of experience and is practical and commercial.’

‘Top tier specialists in this field.’

Kernmandanten

Gard


Den norske Krigsforsikring for Skib (DNK)


Norwegian Hull Club (NHC)


Tryg Forsikring


Garex


UK Club


Zurich


AXA XL


Chubb


Navigators


Markel


Swiss Re


Allianz


Lampe & Schwartze KG – Verein Hanseatischer Transportversicherer e.V.


Cardif


Travelers Companies Inc.


QBE


Storebrand Livsforsikring AS


Gjensidige Forsikring AS


Fremtind Forsikring AS


Finans Norge


Skuld


Swedish Club


Brit Insurance


Equinor Insurance


Stadyard AS


SAR AS


Highlight-Mandate


  • Litigated an energy insurance claim for Tryg Forsikring.
  • Advising DNK on a total loss claim of $180m following a vessel detention for 9 months in Nigeria.
  • Defended insurers Chubb, QBE and Navigators in a direct action liability D&O claim of NOK1.7bn in Oslo City Court.

Wiersholm

With ‘exceptionally high competence’ and an ability to ‘navigate complex legal issues with tactical and strategic wisdom’, the insurance and liability practice at Wiersholm assists insurance companies and policyholders with a diverse range of contentious and non-contentious insurance matters. Hans Kenneth Viga-Gerhardsen is an expert in marine insurance law and oversees the team, which also includes Magnus Nordøy Snellingen, who is a key adviser on shareholder M&A and D&O liability disputes, and Kjersti Trøbråten, who is geared to support on regulatory insurance issues. Other notable team members include Olav Perland, who specialises in dispute resolution, and managing associate Stian Advocaat Endre, who possesses expertise in regulatory matters related to insurance companies and insurance intermediaries.

Praxisleiter:

Hans Kenneth Viga-Gerhardsen; Magnus Nordøy Snellingen; Kjersti Trøbråten


Weitere Kernanwälte:

Olav Perland; Stian Advocaat Endre


Referenzen

‘Very knowledgeable team, honest when the reply to a question is unclear, always trying to give pragmatic and easy-to-understand advice.’

‘Kjersti Trøbråten is the partner in charge, and her knowledge of the regulatory landscape is outstanding. Her understanding of how business fits into the landscape is invaluable for us as a client. Stian Endre is our trusted adviser, he is very knowledgeable, has a deep understanding of commercial issues and can “translate” them to explain what the regulatory requirements are.’

‘The combination of very competent personnel with a pleasant approach is very highly appreciated. In the top of both competence and people handling.’

Kernmandanten

Gjensidige Forsikring ASA


AIG Europe S.A.


AIG Europe UK Limited


Folksam Ömsesidig Sakförsäkring


If Skadeforsikring NUF


Knif Trygghet Forsikring AS


Tryg Forsikring


BDO AS


AXA XL Insurance SE


QBE Europe SA/NV


Gjensidigeforeningene (Granne, Favn and Nordlys)


Matrix Insurance AS


Norwegian Underwriting Agency


Highlight-Mandate


  • Represented Danske Bank in a dispute with Edison International S.p.a. following a CEO fraud of NOK130m.
  • Assisting Gjensidige as the liability insurer of Bull Årstad and the late lawyer Per Asle Ousdal.

Bull & Co Advokatfirma AS

Bull & Co Advokatfirma AS advises domestic and international insurers, brokers, agents, and private companies on contentious and non-contentious matters. At the helm of the practice is Runar Hansen, who is well-regarded for matters involving insurance law and liability legislation. Other notable names in the team are Nils Henrik Varmann Jørgensen, who is praised for ‘achieving good solutions in negotiations’, and insolvency specialist Klemet Gaski.

Praxisleiter:

Runar Hansen


Weitere Kernanwälte:

Nils Henrik Varmann Jørgensen; Klemet Gaski


Referenzen

‘The Bull & Co insurance practice handles large claims for domestic and international insurers. They are also one of few firms which specialise in reinsurance.’

‘Runar Hansen has a wealth of experience and an excellent instinct. He is a skillful negotiator and knows when it is in his client’s interests to settle rather than litigate.’

‘Very strong professional competence.’

Kernmandanten

AIG Europe S.A.


Allianz Global Corporate & Speciality


Chubb Insurance


CNA Insurance


Icopal


If Skadeforsikring NUF


Landkreditt Forsikring AS


Oslo District Court


Protector Forsikring ASA


Å Energi AS


Highlight-Mandate


  • Representing Å Energi in legal proceedings against Scandinavian insurer Tryg Forsikring in a coverage dispute.

DLA Piper

Drawing from its international network of offices, DLA Piper has cross-border capabilities along with ‘exceptional competence and professionalism’ across complex insurance and reinsurance matters. Practice head Mohsin Ramani combines prior in-house experience and a focus on general civil dispute resolution with particular emphasis on insurance claims to be ‘well positioned to work with PI and D&O claims’. The team also includes Camilla Wollan, who takes point on regulatory matters within the insurance sector, and Katrine Lillerud, who advises on EEA regulatory matters within insurance.

Praxisleiter:

Mohsin Ramani


Weitere Kernanwälte:

Camilla Wollan; Katrine Lillerud


Referenzen

‘The team at DLA Piper is experienced and has answered every small and big question we have had in the process in a good way. Believe their experience and knowledge around Cyber makes a difference.’

‘Complex legal questions hand in hand with a short timeline demands people who can bring up perspectives and new angles, and DLA does this well.’

‘Our legal counsel from DLA Piper demonstrated exceptional competence and professionalism. With a solid background in insurance law, they were able to provide us with invaluable advice. Their branch insight in insurance in addition to the law knowledge ensured we got the best possible guidance.’

Kernmandanten

AIG


AXA XL


Beazley


Gjensidige


Lloyd’s Insurance Company


QBE


Tryg


Zurich


Highlight-Mandate


  • Advising Lloyd’s Insurance Company in a professional liability case against the Norwegian Tax Administration.
  • Representing Gjensidige Forsikring ASA and Karl Knudsen AS in relation to a dispute regarding claims for professional liability on the basis of alleged consultancy errors.
  • Represented Byggesakskonsulenten AS and Gjensidige Forsikring in a compensation case against a developer.

Ræder Bing

With ‘extensive experience handling insurance matters and insight into the insurance industry’, Ræder Bing‘s insurance team advises insurance companies and industry clients across a range of sectors, with a particular focus on maritime and shipping matters. Exemplifying this in particular is practice head Jon Andersen, who is a seasoned litigator on maritime and insurance matters. Espen Komnæs joined the firm in June 2024 and acts primarily on contentious insurance matters, while Kristian Østberg is a key adviser on insurance matters within the maritime sector. Other key practitioners include Hanna Norum, who assists with regulatory work within insurance law, litigation expert Kyrre Kielland, and Alexander Wiesner Barg, whose broad practice covers professional liability and coverage issues.

Praxisleiter:

Jon Andersen


Weitere Kernanwälte:

Espen Komnæs; Kristian Østberg; Hanna Norum; Kyrre Kielland; Alexander Wiesner Barg


Referenzen

‘Ræder Bing’s Insurance Team has extensive experience handling insurance matters and insight into the insurance industry and is well suited to handle insurance claims through mediation and litigation.’

‘We have worked with partner Kristian Østberg on several occasions. Østberg has provided us with excellent, cost-effective legal advice. He has in a time-efficient manner negotiated very good solutions to major disputes for our company group.’

Advokatfirmaet Schjødt

Advokatfirmaet Schjødt provides a one-stop service to clients, with a particular focus on insurers, handling domestic and cross-border complex insurance matters. Klaus Henrik Wiese-Hansen oversees the team and is a key adviser on a variety of mandates including regulatory and transactional matters. For insurance disputes, Per Ristvedt is a key name. The team also includes Caroline Karlsson, who specialises in transactional risk management work, and Norman Hansen Meyer, who takes point on marine and energy insurance.

Praxisleiter:

Klaus Henrik Wiese-Hansen


Weitere Kernanwälte:

Per Ristvedt; Caroline Karlsson; Norman Hansen Meyer; Ingrid Austjorde Valseth; Miriam Eiring


Referenzen

‘Clever, nice and trustworthy team.’

‘Klaus Henrik Wiese-Hansen has been my preferred lawyer for many years.’

Kernmandanten

AXA XL


Beazley Group Ltd.


Chubb European Group SE


Codan Forsikring NUF


Dual Group


Frende Livsforsikring AS


Gjensidige Forsikring ASA


HDI Global SE


Hyperion Insurance Group Limited


Kommunal Landspensjonskasse Gjensidig Forsikringsselskap


Lombard International Assurance S.A.


Protector ASA


SEB Life International Assurance Company DAC


Skandia Leben (FL) AG


Swiss Life (Liechtenstein) AG


Telenor Pensjonskasse


Tryg Forsikring A/S


Willis Towers Watson plc


Zurich Insurance plc (Ireland)


American International Group (AIG)


Highlight-Mandate


  • Defending Adam Opel GmbHGmBH/General Motors Holdings LLC in a NOK550m lawsuit arising a fire in an Opel Zafira at Sola airport.
  • Advised Alm. Brand Forsikring A/S on the DKK12.7bn acquisition of Codan Forsikring A/S and the establishment of a new branch in Norway.
  • Advised AmTrust Nordic AB and AmTrust Insurance Services Norway AS on their re-domiciliation from Norway to Sweden via a reverse cross-border merger.

Selmer

Selmer advises energy, offshore, marine and construction sector clients on both contentious and non-contentious insurance matters. Eline Hellem Langeland and Preben Helverschou head up the practice, and Helverschou assists domestic and international clients with coverage disputes, direct action claims and marine casualty issues. Elsewhere in the team, Hilde Høksnes focuses on insurance regulations and Henning Wahlen specialises in civil litigation and arbitration for insurance sector clients.

Praxisleiter:

Preben Helverschou; Eline Hellem Langeland


Weitere Kernanwälte:

Hilde Høksnes; Henning Wahlen


Referenzen

‘I have worked with Preben Helverschou for many years. I would always instruct him on any type of case related to marine and insurance matters.’

‘We work with Preben Helverschou. He is an excellent lawyer with a broad knowledge of the legal issues that affect our clients and a commercial approach when required.’

‘Great team with key resources experienced from the main offshore/marine insurers and major EPCI contractors. Excellent attention to detail in claim matters, while able to understand the full commercial picture.’

Kernmandanten

Nexans Norway


Hydor


Institutt for Energiteknikk


Brødrene Dahl


Krüger Kaldnes


Fram Forsikringsmegling


Degree of Freedom


Norwegian Hull Club


Olympic Subsea


Norway Marine Insurance


Advokatfirmaet Simonsen Vogt Wiig

Advokatfirmaet Simonsen Vogt Wiig provides clients with ‘sound advice which takes commercial interests into account’ across a broad range of insurance work, with notable strength in marine insurance. Practice head Anette Fjeld focuses on non-marine-related matters including industrial, property and professional liability insurance. Elsewhere in the team, Kristoffer Larsen Rognvik is a key adviser to yards, ship owners and marine insurance companies on marine insurance disputes, and Øyvind Grøneng, who joined in May 2024, focuses on the shipping and offshore sector.

Praxisleiter:

Anette Fjeld


Weitere Kernanwälte:

Kristoffer Larsen Rognvik; Øyvind Grøneng


Referenzen

‘They respond quickly and timely. They have a very good handle on the law and provide sound advice which takes commercial interests into account in a sensible way.’

‘They are very approachable and motivated to assist the client to get the best possible result.’

‘Øyvind Grøneng has returned to the firm after a period as a judge. His experience from sitting as a judge as well as representing insurers in large shipping cases make him uniquely suited to provide great strategic advice. He is quick, pragmatic and clever, and comes highly recommended.’

Kernmandanten

Gjensidige


If Skadeforsikring NUF


Frende


Skuld P & I


Gard


Navigators


North Standard P & I


Hydor AS


Norsk Hydro/Industriforsikring


Yara Insurance


Codan Insurance


Britannia P & I


KLP Skadeforsikring/KLP


Ansvarsforskring


NorSun AS


Norwegian Hull Club


Generali Italia SpA


Highlight-Mandate


  • Representing Rana Mounicipality in a case against Gjensidige Forsikring ASA before the Supreme Court of Norway regarding insurance companies’ right of recourse in insurance and compensation matters.
  • Assisting the owners Twitt Navigation Ltd and insurers Britannia of the crude oil tanker Sola TS in the litigation against the Norwegian Government.
  • Assisting Gjensidige Forsikring on several ongoing cases within the aviation and shipping areas.

Wikborg Rein

Wikborg Rein is regularly instructed by domestic and international insurance companies on the full spectrum of insurance matters, including contentious, transactional, and regulatory work. Clients note that the team has a ‘great blend of maritime admiralty knowledge and marine insurance experience’; department head Anders Færden and Oddbjørn Slinning are key contacts in this space. The team also includes Herman Steen, who heads up the shipping and offshore dispute practice and regularly acts on international maritime casualty work, and Ole Andenæs, who assists clients with regulatory, advisory, and contentious matters.

Praxisleiter:

Anders Færden


Weitere Kernanwälte:

Oddbjørn Slinning; Herman Steen; Ole Andenæs


Referenzen

‘A great blend of maritime admiralty knowledge and marine insurance experience. The host of international offices makes it a great option given the vast network of lawyers.’

‘Herman Steen has feet in both camps, with a strong litigation and marine insurance practice.’

Kernmandanten

Assuranceforeningen Gard


Gard Marine & Energy Ltd


Codan Insurance


AXA XL


Norwegian Hull Club


Assuranceforeningen SKULD


Hydor AS


RSA


Zürich Insurance


The Swedish Club


Highlight-Mandate


  • Assisted Gard Marine & Energy with its purchase of a large insurance portfolio, mainly the entire marine and wind power portfolio, from Alm. Brand.
  • Instructed on behalf of various groups of All Risks Insurer interests led by Global Aerospace, as defendants in the ongoing Lessor Policy Claims before the courts in several jurisdictions.
  • Assisting the bankruptcy estate of Kleven Verft AS in a dispute against the shipyard’s former chairman and CEO and his liability insurer, Tryg Forsikring.