Insurance Regulation & Regulatory Compliance

Insurance Regulation & Regulatory Compliance

Insurance is a heavily regulated field that calls for sector-specific legal expertise. In addition to being familiar with the day-to-day insurance law and the international regulatory framework, anticipating any developments in the insurance practice is key in this sector.

We advise you in all matters related to insurance regulation and market changes. As our client you will gain the most up-to-date information concerning the market and benefit from our solid practical experience of insurance business operations and our excellent contacts with the authorities. Our experience and expertise will be of particular use in situations where regulations are still in the formative stage and have not yet been applied in practice. In international regulatory matters you will also have access to our unique global network of law firms.

Our services include:

  • Licenses and market entry
  • Notifications and Europass procedures
  • Insurance intermediary, distribution and marketing issues
  • Data protection and data security
  • Legal opinions
  • Capitalisation arrangements
  • Regulatory compliance advice and audits
  • Insurance classes
  • Ancillary operations
  • Outsourcing arrangements
  • Governance system requirements
  • Continuity management
  • Changes in guarantee capital
  • Corporate law counselling
  • Preparation and management of matters related to general meetings, such as chairing the meeting
  • Regulatory updates and training for senior management
  • Regulation monitoring and reporting; providing training at the operative level
  • Tax advice and seeking advance rulings
  • Competition law
  • ESG regulation and compliance
  • Procurement procedures
  • Prevention of money laundering and terrorism financing
  • Sanctions regulations
  • Employment law counselling
  • Auditing internal regulations and policies

Latest references

We advised the Savings Banks Group on an arrangement whereby the shares in Sp-Henkivakuutus Oy were sold to Henki-Fennia and at the same time the parties agreed on a long-term distribution cooperation for insurance savings and loan protection products. The closing of the transaction remains subject to regulatory approvals. Sb Life Insurance is a domestic life insurance company, established in 2007, offering insurance savings and risk insurance products to private customers and companies. The Savings Banks and Oma Säästöpankki Oyj act as agents for Sp-Life Insurance. Henki-Fennia is a subsidiary of Keskinäinen Vakuutusyhtiö Fennia, specialising in voluntary life, pension and savings insurance.
Case published 11.4.2025
We acted as Finnish law legal adviser to the lenders and the export credit agencies in connection with the EUR 514.4 million green project financing for the development and construction of Easpring Finland New Materials Oy’s cathode active material (CAM) manufacturing plant in Kotka, Finland. The borrower, Easpring Finland New Materials Oy, is a joint venture owned by Beijing Easpring Material Technology, Finnish Minerals Group and LG Energy Solution. The financing was provided by six international commercial banks, with Société Générale acting as financial adviser and mandated lead arranger together with Natixis as co-mandated lead arranger, and DNB, ICBC, ING and Standard Chartered participating as lenders, with support from the export credit agencies Finnvera and Sinosure. The project represents a significant milestone for Finland and the European battery value chain by strengthening Europe’s domestic supply of cathode active materials, a key component in lithium-ion batteries for electric vehicles and energy storage applications. Once the first phase of the project is operational, the Kotka facility is expected to produce approximately 60,000 tonnes of cathode active material annually, making it one of the largest CAM production plants in Europe and supplying leading battery manufacturers across Europe. 
Case published 21.7.2026
We acted as Finnish legal advisor to Delta Capacity in connection with its acquisition of the ready-to-build Karppio battery energy storage system (BESS) project from Helios Nordic Energy. The acquisition was made and the project will be implemented together with Strioga Family Foundation. The Karppio BESS project is located in Teuva, Finland, and has a capacity of 125 MW / 300 MWh. Delta Capacity will lead the remaining development of the project through to commissioning, planned for 2027, and will serve as long-term asset manager. Delta Capacity is a Swiss-based developer of utility scale battery storage systems. The acquisition adds to Delta Capacity’s growing Nordic portfolio. 
Case published 20.7.2026
We advised Swedbank AB (publ) on the refinancing of a large Finnish retail real estate portfolio owned by Trophi’s Finnish subsidiaries. Trophi is the leading Nordic real estate company focusing on grocery anchored retail properties, with 278 properties across Sweden and Finland. Finland is a market that continues to develop and is also strategically important for Trophi, accounting for approximately 30% of Trophi’s letting and property value.
Case published 17.7.2026