{"product_id":"tryg-business-model-canvas","title":"Tryg Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Business Model Canvas: Value, Distribution, and Margin Strategies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Tryg’s Business Model Canvas and discover how the insurer creates customer value, scales distribution, and sustains margins in a competitive market. This concise, downloadable canvas breaks down all nine building blocks with company-specific insights and strategic implications. Ideal for investors, consultants, and founders—purchase the full file to benchmark, plan, and act with confidence.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal reinsurers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGlobal reinsurers provide capital relief and protect Tryg's Nordic portfolio against catastrophes, enabling underwriting of large commercial risks with retention layers supplemented by treaty and facultative placements. Structured treaties and facultative deals stabilised earnings volatility through 2024 amid mid‑teens reinsurance rate increases. Long‑term partners improved pricing and claim recoveries, supporting solvency and capital efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrokers and agents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBroker networks expand Tryg’s reach into SME and corporate segments, leveraging thousands of intermediaries to access niche clients and drive cross-sell into a customer base of about 3.2 million (2024). They deliver advisory-led sales that help tailor complex commercial policies and reduce underwriting friction. Commission-based alignment supports volume growth and retention by incentivising long-term placements. Ongoing feedback from intermediaries directly informs product design and commercial refinements.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAuto, repair, and telematics partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOEMs, repair shops and telematics partners speed motor-claims handling and cut costs, with telematics-linked programs reducing claim frequency\/costs by roughly 10–20% in 2024 pilots. Data-sharing between partners improves pricing accuracy and raises fraud-detection rates by an estimated 10–15%. Preferred repair networks shorten cycle times by ~25%, lifting customer satisfaction, while POS affinity offers convert at single-digit to low-teen percentages, fueling new policy growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHealthcare and assistance providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eClinics, hospitals and assistance firms enable Tryg’s health and travel claim fulfillment, supporting integrated care pathways that empirically lower loss ratios and improve outcomes; Tryg served about 3.2 million customers in 2024. 24\/7 roadside and emergency support raise service quality, while partnerships enable bundled wellness and prevention programs.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClaim fulfillment: clinics\/hospitals\u003c\/li\u003e\n\u003cli\u003eLoss ratio cut: integrated care\u003c\/li\u003e\n\u003cli\u003e24\/7 emergency \u0026amp; roadside\u003c\/li\u003e\n\u003cli\u003eBundled wellness\/prevention\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and data vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCore-system, cloud and analytics partners power Tryg’s digital distribution and automation, supporting operations for roughly 3.2 million customers (2024). External data sources enhance underwriting accuracy and KYC\/AML controls, while cybersecurity partners protect sensitive data. Open APIs speed product and channel integrations, reducing time-to-market for new offerings.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ecore-systems\u003c\/li\u003e\n\u003cli\u003ecloud \u0026amp; analytics\u003c\/li\u003e\n\u003cli\u003eexternal-data (KYC\/AML)\u003c\/li\u003e\n\u003cli\u003ecybersecurity\u003c\/li\u003e\n\u003cli\u003eopen-apis\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReinsurers stabilise capital, brokers reach 3.2M and telematics cut claims 10–20%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eReinsurers provide catastrophe cover and capital relief, stabilising earnings amid mid‑teens reinsurance rate increases (2024) and preserving solvency. Brokers access ~3.2M customers (2024), driving SME\/corporate growth. Telematics, repair networks and clinics cut claims\/costs ~10–20%, shorten cycle times ~25% and raise fraud detection ~10–15%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartnership\u003c\/th\u003e\n\u003cth\u003e2024 metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBroker reach\u003c\/td\u003e\n\u003ctd\u003e3.2M customers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReinsurance pricing\u003c\/td\u003e\n\u003ctd\u003emid‑teens % increase\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTelematics impact\u003c\/td\u003e\n\u003ctd\u003e10–20% cost reduction\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive Business Model Canvas tailored to Tryg’s insurance strategy, covering customer segments, channels, value propositions, revenue streams, key activities, partners, resources, cost structure and customer relationships. Reflects real-world operations with SWOT and competitive advantage analysis, ideal for presentations, investor discussions and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Tryg's insurance strategy into a one-page, editable Business Model Canvas that quickly reveals core pain-relief propositions, streamlines collaboration for underwriting, claims and distribution improvements, and saves hours of structuring so teams can focus on customer-centric solutions and rapid decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk underwriting and pricing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAssess and select risks across property, casualty, health and life lines for Tryg, leveraging scale across about 4 million Nordic customers and gross written premiums of DKK 30.6bn in 2023. Apply actuarial models and experience curves to set technical prices and reflect claims inflation and observed severity trends. Calibrate underwriting appetite by segment and geography and continuously refine guidelines with portfolio feedback and quarterly reviews.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eClaims management and fraud control\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTriage, assess and settle claims quickly and fairly using digital FNOL and straight-through processing to resolve low-complexity cases within 24–72 hours, supported by specialized adjusters for complex losses. Tryg served about 3.2 million customers in 2024 and applies analytics plus SIU tactics to prevent and detect fraud, recovering and preventing significant loss. Supplier network management focuses on reducing severity and cycle time through preferred partners and KPIs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDistribution and sales enablement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDrive growth across direct, broker and partner channels, leveraging Tryg’s scale with over 3 million customers and roughly 30% market share in Denmark to expand distribution reach.\u003c\/p\u003e\n\u003cp\u003eOptimize marketing, pricing and conversion funnels using data-driven testing and segmentation to lift conversion and retention.\u003c\/p\u003e\n\u003cp\u003eTrain advisors and equip brokers with digital tools and analytics to shorten sales cycles.\u003c\/p\u003e\n\u003cp\u003eRun affinity and cross-sell campaigns across the customer base to boost wallet share.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital and reinsurance management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eTryg optimises capital to meet EU Solvency II requirements (SCR ≥100%, MCR binding) and Nordic supervisory expectations, balancing dividend capacity and solvency headroom. Reinsurance programmes combine proportional treaties for volatility sharing and non‑proportional covers for peak loss protection. ALM and liquidity planning secure multi‑month claim buffers and stress scenarios. Continuous monitoring enforces risk limits and concentration caps.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSolvency II: SCR ≥100% \/ MCR floor\u003c\/li\u003e\n\u003cli\u003eProportional + non‑proportional reinsurance\u003c\/li\u003e\n\u003cli\u003eALM-driven multi‑month liquidity buffers\u003c\/li\u003e\n\u003cli\u003eReal‑time risk limits \u0026amp; concentration monitoring\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProduct and digital innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDesign modular products across private, SME and corporate lines to upsell and speed time-to-market, leveraging Tryg's scale with 3.6 million customers (2024). Build self-service apps, portals and embedded insurance flows to reduce handling costs and increase conversion. Pilot telematics, IoT and preventive services while iterating via customer feedback and A\/B testing to lower claims frequency.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003emodular-products\u003c\/li\u003e\n\u003cli\u003eself-service-apps\u003c\/li\u003e\n\u003cli\u003eembedded-insurance\u003c\/li\u003e\n\u003cli\u003etelematics-iot\u003c\/li\u003e\n\u003cli\u003econtinuous-ab-testing\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eServing \u003cstrong\u003e3.6m\u003c\/strong\u003e Nordics, \u003cstrong\u003eDKK 30.6bn\u003c\/strong\u003e GWP, \u003cstrong\u003eSCR ≥100%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnderwrite and price risks across property, casualty, health and life for ~3.6m Nordic customers (2024) and DKK 30.6bn GWP (2023), using actuarial models and portfolio-level appetite. Rapid digital FNOL and straight-through claims for low-complexity cases, specialist adjusters for complex losses and SIU-led fraud mitigation. Capital and reinsurance management maintain SCR ≥100% with ALM liquidity buffers.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers (2024)\u003c\/td\u003e\n\u003ctd\u003e3.6m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGWP (2023)\u003c\/td\u003e\n\u003ctd\u003eDKK 30.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSCR\u003c\/td\u003e\n\u003ctd\u003e≥100%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe Tryg Business Model Canvas previewed here is the exact deliverable you’ll receive—this is not a mockup or sample. Upon purchase you’ll get the same complete, editable file ready for use. No hidden pages, no placeholders—what you see is what you’ll download.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":55674900578681,"sku":"tryg-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/tryg-business-model-canvas.png?v=1755797940","url":"https:\/\/portersfiveforce.com\/products\/tryg-business-model-canvas","provider":"Porter's Five Forces","version":"1.0","type":"link"}