Seesam advantages

09.03.2010

Why should I buy insurance policy from Seesam?

Capital adequacy - our company’s capital ratio to gross written premiums is one of the highest among the Latvian insurance companies, which is one of the key indicators of the company’s stability.
Claim technical reserves – the value characterizing the relation between our company’s accumulated technical provisions for claims and the gross amount of insurance claims paid is one of the highest among the Latvian insurance companies that guarantees performance of the expected future obligations.
A part of the biggest financial group of Finland – we are a part of „OP-Pohjola Group”, which is the biggest financial group in Finland. The international rating agency Standard & Poor`s has conferred the insurer’s safety rating A+ to „Pohjola Insurance Company” that is the largest insurance company of the Group. This rating is one of the highest among the Scandinavian and Baltic insurance companies.
Conservative and safe reinsurance – we use the reinsurance program of our shareholder – the non-life insurance company „Pohjola Insurance Company’ - in international reinsurance companies, safety ratings of which according to assessment of „Standard & Poor`s” is not lower than A+.

We operate in Latvia since 1993.
The insurance company „Pohjola Insurance Company” - our shareholder has been operating in Finland for 115 years (since 1895).
Our team consists of experienced and professional staff capable to offer customized solutions to each customer.

We are one of the most efficient Latvian insurance companies as to the turnover per employee and as to maintenance costs in relation to turnover, i.e., the money having been paid by our clients for insurance is effectively managed. The efficiency of maintenance expenditures and the conservative policy of building reserves increase our financial stability and ability to meet our obligations to customers in the long run.

We provide a fair deal for our customers and also expect the same in relation to us.
We respect our customers and keep promises given to them.