{"id":31136,"date":"2025-01-22T09:12:43","date_gmt":"2025-01-22T08:12:43","guid":{"rendered":"https:\/\/rtm.dk\/?p=31136"},"modified":"2025-01-22T09:12:48","modified_gmt":"2025-01-22T08:12:48","slug":"udviklingen-i-praemierne-paa-erhvervsforsikringer","status":"publish","type":"post","link":"https:\/\/rtm.dk\/en\/udviklingen-i-praemierne-paa-erhvervsforsikringer\/","title":{"rendered":"Udviklingen i pr\u00e6mierne p\u00e5 erhvervsforsikringer"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||-55px|||&#8221; custom_padding=&#8221;20px||11px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;2560px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/rtm.dk\/wp-content\/uploads\/2025\/01\/Prisstigning.png&#8221; title_text=&#8221;Prisstigning&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;15px||15px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong><em>Af Henning Toftager, Forsikringsdirekt\u00f8r, RTM<\/em><\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;4px||10px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.18.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_5_text_color=&#8221;gcid-ce7c38a1-0c93-4fcc-9f8d-d169de25c0c3&#8243; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{%22gcid-ce7c38a1-0c93-4fcc-9f8d-d169de25c0c3%22:%91%22header_5_text_color%22%93}&#8221;]<\/p>\n<p><span>Udviklingen i pr\u00e6mierne p\u00e5 erhvervsforsikringer i Danmark har gennemg\u00e5et betydelige \u00e6ndringer de seneste \u00e5r.<\/span><\/p>\n<p><span><strong>Historisk perspektiv:<\/strong><\/span><br \/><span>I perioden fra 2003 til 2007 blev der observeret en markant reduktion i genforsikringsandelen p\u00e5 det danske marked. For erhvervsforsikringer faldt denne andel fra 15 % i 2003 til 7,6 % i 2007. Denne udvikling indikerer, at forsikringsselskaberne i stigende grad har valgt at beholde en st\u00f8rre del af risikoen selv, hvilket kan have indflydelse p\u00e5 pr\u00e6mieniveauerne.<\/span><\/p>\n<p><span><strong>Nylige tendenser:<\/strong><\/span><br \/><span>I k\u00f8lvandet p\u00e5 coronakrisen har mange erhvervskunder oplevet betydelige stigninger i forsikringspr\u00e6mierne. Efter flere \u00e5r med intens konkurrence og faldende pr\u00e6mier er denne tendens nu vendt. Forsikringsselskaberne stiller h\u00f8jere krav til risikostyring og -minimering, hvilket har medf\u00f8rt varslede pr\u00e6miestigninger, is\u00e6r for ejendoms- og erhvervsforsikringer.<\/span><\/p>\n<p><span><strong>Fremadrettede forventninger:<\/strong><\/span><br \/><span>Det er sandsynligt, at pr\u00e6mierne p\u00e5 erhvervsforsikringer vil forts\u00e6tte med at variere baseret p\u00e5 faktorer som \u00f8konomiske forhold, skadesfrekvens og \u00e6ndringer i risikovurderinger. Virksomheder opfordres derfor til l\u00f8bende at evaluere deres forsikringsbehov og overveje risikostyringsstrategier for at opn\u00e5 de mest fordelagtige pr\u00e6mier.<br \/>En opgave vi i RTM ser som yderst vigtig i de kommende \u00e5r.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_5_text_color=&#8221;gcid-ce7c38a1-0c93-4fcc-9f8d-d169de25c0c3&#8243; global_colors_info=&#8221;{%22gcid-ce7c38a1-0c93-4fcc-9f8d-d169de25c0c3%22:%91%22header_5_text_color%22%93}&#8221;][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Det er sandsynligt, at pr\u00e6mierne p\u00e5 erhvervsforsikringer vil forts\u00e6tte med at variere baseret p\u00e5 faktorer som \u00f8konomiske forhold, skadesfrekvens og \u00e6ndringer i risikovurderinger.<\/p>","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>Her kommer en artikel 2 fra november m\u00e5ned en historie fra Forsikring<\/p>","_et_gb_content_width":"","footnotes":""},"categories":[97,33],"tags":[],"class_list":["post-31136","post","type-post","status-publish","format-standard","hentry","category-01_2025","category-arkiv"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - 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