The mission of Garantia is to improve capital efficiency. Our goal is to modernize collateral practices and provide customers with easy and cost-effective guarantee solutions and new business opportunities through digital channels.

Garantia is an independent non-life insurance company specialising in guarantee services and it is supervised by the Finnish Financial Supervisory Authority. We have an extensive knowledge in the financial sector. We co-operate closely with our clients and partners and build up long-term customer relationships. We are increasing the trustworthiness of different parties to close contracts and deals. Our customers are Finnish corporates and consumers in Finland.

Our competitive edge is the broad diversified distribution network consisting of bancassurance partnerships, online distribution channels and direct relationships and also the scalable business model. The global ratings agency Standard & Poor’s has confirmed our credit rating to A- with the stable outlook, which is also a validation of our underwriting operations and strong capital adequacy.

Read more about our credit rating