{"id":1419,"date":"2026-10-29T17:19:35","date_gmt":"2026-10-29T15:19:35","guid":{"rendered":"https:\/\/nordicbroker.fi\/?p=1419"},"modified":"2026-10-29T22:20:27","modified_gmt":"2026-10-29T20:20:27","slug":"krigsforsakring-ukraina","status":"publish","type":"post","link":"https:\/\/nordicbroker.fi\/sv\/krigsforsakring-ukraina\/","title":{"rendered":"Krigsf\u00f6rs\u00e4kring f\u00f6r Ukraina: vad du b\u00f6r kontrollera i din egen f\u00f6rs\u00e4kring"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_column_text]<\/p>\n<h3>Vanlig f\u00f6rs\u00e4kring och krigsf\u00f6rs\u00e4kring \u00e4r tv\u00e5 olika saker. Vilken av dem har du egentligen?<\/h3>\n<p>Ett f\u00f6retag i Ukraina kan fortfarande f\u00f6rs\u00e4kra sin egendom och andra risker som tidigare. Skador som orsakas av kriget h\u00f6r till ett eget skikt: krigsf\u00f6rs\u00e4kringen.<\/p>\n<p>Den h\u00e4r sidan \u00e4r en checklista. Den kan inte avg\u00f6ra vad just din f\u00f6rs\u00e4kring s\u00e4ger \u2013 det framg\u00e5r av dina f\u00f6rs\u00e4kringsvillkor, och din m\u00e4klare kan hj\u00e4lpa dig att tolka dem. Checklistan hj\u00e4lper dig att se vad du b\u00f6r fr\u00e5ga om, s\u00e5 att du \u00e4r b\u00e4ttre f\u00f6rberedd.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>1. Ta reda p\u00e5 hur din f\u00f6rs\u00e4kring behandlar krig<\/h3>\n<p>Leta upp krigsklausulen i varje f\u00f6rs\u00e4kring. Fr\u00e5ga sedan din m\u00e4klare skriftligen: ers\u00e4tts krigsskador, \u00e4r de undantagna eller s\u00e4ljs skyddet separat?<\/p>\n<p>L\u00e4s d\u00e4refter f\u00f6rs\u00e4kringsvillkorens exakta ordalydelse. Olika f\u00f6rs\u00e4kringar anv\u00e4nder olika begrepp: krig, terrorism, politiskt v\u00e5ld. Kontrollera vilka av dem din f\u00f6rs\u00e4kring anv\u00e4nder och vad varje begrepp betyder i just dina villkor.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>2. Fr\u00e5ga f\u00f6r varje f\u00f6rs\u00e4kringsgren<\/h3>\n<p>St\u00e4ll fr\u00e5gan f\u00f6r varje gren i din f\u00f6rs\u00e4kring: egendom, gods under transport, fordon, ansvar, sjukv\u00e5rd, olycksfall och resa. Svaret kan faktiskt skilja sig fr\u00e5n gren till gren.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>3. F\u00f6rbered dina egna svar f\u00f6rst<\/h3>\n<p>Den som priss\u00e4tter krigsrisk g\u00e5r igenom ditt f\u00f6retag innan en offert l\u00e4mnas. R\u00e4kna med fr\u00e5gor om:<\/p>\n<ul>\n<li><strong>Bransch.<\/strong> Ett f\u00f6retag inom f\u00f6rsvarsteknik och en livsmedelsleverant\u00f6r utg\u00f6r inte samma risk.<\/li>\n<li><strong>Plats.<\/strong> Var beredd p\u00e5 att beskriva exakt var verksamheten finns, inte bara i vilken region.<\/li>\n<li><strong>Grannar.<\/strong> Om grannfastigheten \u00e4r ett m\u00e5l \u00f6kar din risk kraftigt, \u00e4ven om du sj\u00e4lv inte \u00e4r ett m\u00e5l.<\/li>\n<li><strong>Aff\u00e4rsv\u00e4rde.<\/strong> Vad din egendom och din verksamhet \u00e4r v\u00e4rda. Ha siffrorna redo.<\/li>\n<li><strong>Logistik.<\/strong> Hur varor och personer tar sig till din verksamhet<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>4. R\u00e4kna med en skr\u00e4ddarsydd l\u00f6sning<\/h3>\n<p>Det finns ingen standardprodukt f\u00f6r krigsrisk som du kan plocka fr\u00e5n hyllan. Tidpunkten spelar ocks\u00e5 roll: frontlinjen flyttas, och d\u00e4rmed kan det som finns att tillg\u00e5 f\u00f6r\u00e4ndras. Varje f\u00f6rfr\u00e5gan byggs upp f\u00f6r den enskilda kunden, ofta genom att kombinera f\u00f6rs\u00e4kringsgivare i Ukraina med internationella marknader. Ett uppl\u00e4gg \u00e4r att kombinera ett internationellt skydd mot politiska risker med ett lokalt skydd f\u00f6r de fysiska tillg\u00e5ngarna. Fr\u00e5ga din m\u00e4klare hur delarna h\u00e4nger ihop och var gr\u00e4nsen mellan dem g\u00e5r. Priset beror p\u00e5 risken.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>5. Fr\u00e5ga om offentliga program<\/h3>\n<p>\u00c4ven offentliga akt\u00f6rer st\u00f6der krigsriskskydd. Ukrainas exportkreditorgan (Export Credit Agency) driver ett statligt program som har g\u00e4llt sedan den 1 januari 2026. MIGA, en del av V\u00e4rldsbanksgruppen, och det amerikanska utvecklingsfinansieringsbolaget DFC st\u00f6der skydd mot politiska risker och krigsrisker vid investeringar i Ukraina. Varje program har egna regler f\u00f6r vem som f\u00e5r anv\u00e4nda det, och vissa \u00e4r \u00f6ppna enbart f\u00f6r dem som har hemvist i Ukraina. Fr\u00e5ga din m\u00e4klare vilka av dem, om n\u00e5gra, som passar den juridiska enhet som ska f\u00f6rs\u00e4kras: det ukrainska bolaget, det utl\u00e4ndska moderbolaget eller b\u00e5da.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>6. Kontrollera vad som har f\u00f6r\u00e4ndrats<\/h3>\n<p>I oktober 2026 kan vi konstatera att attackerna mot Ukraina har \u00f6kat under det senaste \u00e5ret. Det har blivit sv\u00e5rare att ordna skydd f\u00f6r vissa omr\u00e5den och branscher, och villkoren forts\u00e4tter att f\u00f6r\u00e4ndras. Det som g\u00e4llde f\u00f6rra m\u00e5naden g\u00e4ller kanske inte i dag. Be om aktuell information f\u00f6r just din plats och datera varje svar du f\u00f6rlitar dig p\u00e5. Det g\u00e4ller \u00e4ven den h\u00e4r sidan.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>7. Anlita en m\u00e4klare som k\u00e4nner till Ukraina<\/h3>\n<p>Vanliga f\u00f6rs\u00e4kringsbolag visar kanske litet intresse f\u00f6r Ukraina, erbjuder lite eller har begr\u00e4nsad kunskap om marknaden. En m\u00e4klare med aktuell marknadsk\u00e4nnedom och direktkontakt med f\u00f6rs\u00e4kringsgivare kan ta reda p\u00e5 vad som finns tillg\u00e4ngligt f\u00f6r dig i dag.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<\/p>\n<h3>Vi g\u00e5r helst p\u00e5 s\u00e4kra kort \u2013 och det rekommenderar vi dig ocks\u00e5: ta din f\u00f6rs\u00e4kring till oss<\/h3>\n<p>Nordic Broker \u00e4r ett team av f\u00f6rs\u00e4kringsm\u00e4klare i Helsingfors med mer \u00e4n 30 \u00e5rs erfarenhet. Vi \u00e4r verksamma i Ukraina och st\u00e5r under tillsyn av finska Finanssivalvonta. <a href=\"https:\/\/nordicbroker.fi\/sv\/kontakta-oss\/\">Skicka oss dina nuvarande f\u00f6rs\u00e4kringsvillkor<\/a> och ber\u00e4tta var du bedriver verksamhet. Vi g\u00e5r igenom dem tillsammans med dig.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;24px&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vanlig f\u00f6rs\u00e4kring och krigsf\u00f6rs\u00e4kring \u00e4r inte samma sak. En checklista \u00f6ver vad ett f\u00f6retag i Ukraina b\u00f6r fr\u00e5ga om sin egen f\u00f6rs\u00e4kring.<\/p>\n","protected":false},"author":1,"featured_media":1408,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[50,45],"tags":[],"class_list":["post-1419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-forsakringsinsikter","category-okategoriserad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Krigsf\u00f6rs\u00e4kring f\u00f6r Ukraina: vad du b\u00f6r kontrollera i din egen f\u00f6rs\u00e4kring - Nordic Broker<\/title>\n<meta name=\"description\" content=\"Vanlig f\u00f6rs\u00e4kring och krigsf\u00f6rs\u00e4kring \u00e4r inte samma sak. 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