Corporate insurance
FAQ
How do I cancel an insurance policy?
What insurance do I need if I have started a new business?
What insurance-related matters do I need to consider when hiring a new employee?
How can I receive a company’s bills electronically?
How can I adopt eInsurance Services for the company?
How can I get more payment time for my bill?
How do I file a claim and what is the time limit for filing claims?
An employee had an accident at work – what should I do?
How can I print out insurance certificates for the company’s valid insurance policies?
Must I notify you if my company address changes?
Do I need to notify you if my company’s business operations change?
What happens with my insurance policies when I sell a vehicle?
How does decommissioning and recommissioning a vehicle affect my company’s motor vehicle insurance policies?
Is my travel insurance valid in a high-risk area?
How do I cancel an insurance policy?
You must cancel your insurance in writing. You can cancel the insurance by identifying yourself strongly in the op.fi service and sending a free-form message on the online service that contains all the information required for cancellation. You need the following information to cancel a policy: - Company name Only those authorised to sign for the policyholder company or those who have a power of attorney from someone who has the right to grant it can cancel the insurance. Please note the following before you cancel the insurance policies: Statutory Workers' compensation insurance: If a company has employees, you need a valid insurance policy. If the company’s operation ends, it has no employees, or it pays less than 1,500 euros in wages per year, the cancellation of insurance is acceptable. Motor liability insurance: You can terminate a motor liability insurance policy if the vehicle changes owners, it is removed from the register with a scrapping certificate or due to an accident, or if the vehicle has been decommissioned from road use. You should cancel the insurance only when your vehicle is decommissioned from road use for a longer period of time. When a vehicle has been decommissioned, you can cancel its motor liability insurance. Liability and legal expenses insurance: Liability and legal expenses insurance only covers insurance events that occur while the policy is in force. If the company’s legal expenses insurance has been valid for less than two years when an insurance event takes place, the damage must have occurred during the validity of the insurance. If you cancel your legal expenses insurance now and wish to reactivate it later, the two year period will begin from the start.
- Business ID or customer code
- Policy code
- Insurance or cover to be cancelled
- Date of cancellation
- Reason for cancellation
- Company’s account number for possible refunds
- Vehicle registration number when cancelling motor liability insurance
What insurance do I need if I have started a new business?
As a self-employed person, you must acquire self-employed person’s statutory pension insurance (YEL) if your annual income exceeds EUR 9 010.28 (2024). You should also take care of your personal insurance cover against accidental injury or illness. If your company has employees, the law obliges you to take out employee pension insurance (TyEL) and statutory accident and occupational insurance. Companies will also need liability and legal expenses insurance and comprehensive cover for the company’s property. Our pension insurance partner is Ilmarinen Mutual Pension Insurance Company, and you can get the insurance matters in order through us. Learn more about insurances for new businesses If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
What insurance-related matters do I need to consider when hiring a new employee?
It is the duty of every employer to take up statutory workers’ compensation insurance for employees when their salary payment exceeds EUR 1,500, as well as the employee pension insurance (TyEL) when the monthly salary exceeds EUR 68.57 (2024). Our pension insurance partner is Ilmarinen Mutual Pension Insurance Company, and you can get the insurance matters in order through us. It is also a good idea to insure staff against illness or leisure-time accidents. Voluntary policies enable faster access to treatment, recovery, and return to work while engaging your employees. If the employer is a household, the employer has the obligation to take out statutory occupational accident and occupational disease insurance for the hired employee. The policyholder must declare the wages or salary to the Incomes Register. Learn more about insuring employees If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
How can I receive a company’s bills electronically?
You can request more payment time for a bill by sending us a message at op.fi or by calling our service number. We will confirm whether the requested payment date is possible. If you are requesting more payment time electronically, we will need the following information: - contract code We will charge default interest according to the Interest Act for days following the original due date in connection with the next invoice. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
- amount due
- due date
- requested payment date
How can I adopt eInsurance Services for the company?
Speed up your claims and insurance services by signing a Corporate Agreement for Digital Transactions and begin using the op.fi service. The op.fi service allows you to view your list of valid insurance policies, print insurance certificates, send us messages and manage your claims. Register your company’s Agreement for Digital Transactions The agreement can be signed electronically only by a person authorised to sign on behalf of your company. The service allows you to designate your company’s administrator users and their authorisations. If you have questions about digital insurance services for corporate customers, or there is a failure in the service, please call Pohjola Insurance online support at 010 253 6198 (Mon.–Fri. 8.30 am–16 pm).
How can I get more payment time for my bill?
You can request more payment time for a bill by sending us a message at op.fi or by calling our service number. We will confirm whether the requested payment date is possible. If you are requesting more payment time electronically, we will need the following information: - contract code We will charge default interest according to the Interest Act for days following the original due date in connection with the next invoice. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
- amount due
- due date
- requested payment date
How do I file a claim and what is the time limit for filing claims?
See Pohjola Claim Help for easy instructions for various loss events and filing a claim. There you will also find the contact information for our loss partners that can help you with the claim. Learn more about Pohjola Claim Help at vahinkoapu.pohjola.fi The sooner you report the accident to us, the easier it is to process the claim. Learn more about filing a loss report If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
An employee had an accident at work – what should I do?
Direct the injured employee to one of our partner doctors to ensure a speedy recovery and return to work. File the accident report in our online service or in the link service used by your company without delay and no later than within 10 working days from the date when you learned about the accident.
How can I print out insurance certificates for the company’s valid insurance policies?
You can print out confirmations for the current insurance period by logging in to the op.fi service. You need personal online bank user identifiers or an OP Corporate User ID to log in. When logging in to the op.fi service with personal online bank user identifiers, select the customer role, that is to say, select whether you are handling your personal or the company’s insurance and banking matters. You can change your customer role while using the services. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
Must I notify you if my company address changes?
A change of postal address is not automatically updated in the company’s information even if you have changed the address for the Trade Register or Posti. Let us know if the postal address or insurance location of your company changes. You can notify us about your new address by sending us a message at op.fi or by calling our service number. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
Do I need to notify you if my company’s business operations change?
As your business changes, so may your company’s insurance needs. We recommend that you contact us in all situations of change so we will be able to check that your policies are up to date. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
What happens with my insurance policies when I sell a vehicle?
The vehicle’s motor liability insurance and any voluntary insurance policies will be terminated automatically on the basis of information from Traficom when: - the vehicle changes owners The change will be updated to your company’s insurance information with a slight delay. After we have received notice of the change, we will send your company a new policy document and bill that takes into account the termination of insurance for the vehicle. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
- the vehicle is removed from the register.
How does decommissioning and recommissioning a vehicle affect my company’s motor vehicle insurance policies?
You can decommission and recommission vehicles in Traficom’s online service or at the nearest inspection station offering registration services. The changes are updated automatically to your insurance policy’s details. The motor liability insurance premium for the decommissioning period is 14 euros. With respect to the comprehensive motor vehicle insurance, you will continue to pay for vandalism, fire, theft and legal expenses covers that protect your decommissioned vehicle. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers
Is my travel insurance valid in a high-risk area?
Traveller’s insurance is not valid in high-risk areas to which the Ministry for Foreign Affairs of Finland recommends that you do not travel or which it recommends leaving. If you have arrived in a high-risk area before such a recommendation was issued, the insurance will be valid for 10 days from the date the Ministry issued the recommendation. We recommend additional cover if you travel to a country or area to which the recommendation by the Ministry for Foreign Affairs of Finland applies. Additional cover extends validity to losses caused by the very reasons why the Ministry gave its recommendation. It is possible to opt for a fixed-term extension. Check the advice for travellers by the Ministry for Foreign Affairs for high-risk areas at the following address: um.fi/matkustustiedotteet. If you have any questions about insurance matters, we are happy to help. You can contact us by phone or by sending us a message at op.fi. Get the contact details of our Customer Service for corporate customers