Försäkring som affär. Inte administration.

Bolag med stora kundgrupper väljer oss
för att erbjuda sina kunder försäkring.

Insurance looks simple.
Until it doesn't.

The insurance issue often ends up with someone responsible for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, ongoing market monitoring. It is basically an entire department.

For those of you with an existing business, the agreements roll over automatically. The terms are never evaluated. The potential is never realized.

For those of you looking to launch something new, risk is another factor. Products that seem similar on the surface can differ fundamentally in terms, structure, and commercial conditions. The choices you make today will have consequences that appear years later - when it is significantly more difficult to change.

Most of the agreements we see are not incorrect. They are imprecise. It is more expensive.

Saman Jabbari Founder & strategic insurance partner

Boka ett första samtal

Previous experiences from:

Previous experiences from:

Insurance looks simple.
Until it doesn't.

The insurance issue often falls to someone with responsibility for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, market monitoring.
It is really an entire department.

The result? Extended contracts, solutions that are never evaluated, and a business that does not develop.

For those of you with an existing business, the agreements roll automatically. The terms are never evaluated. The potential is never realized.

Saman Jabbari

Founder & strategic insurance partner

For those of you looking to launch something new, risk is another factor. Products that seem similar on the surface can differ fundamentally in terms, structure, and commercial conditions. The choices you make today will have consequences that appear years later - when it is significantly more difficult to change.

Most agreements we see are not incorrect.
They are imprecise. It is more expensive.

FI-licensierad försäkringsförmedlare

FI-licensierad
försäkringsförmedlare

Medlem i Hjerta

Oberoende.
Vi väljer alltid partner efter er affär.

We procure from the entire market

Varför det spelar roll för er

Varför det spelar
roll för er

More revenue per customer

We identify exactly where the hidden potential lies and calculate what it can yield - before we recommend anything.

Compliance that holds

Terms and conditions that your legal department can approve - without needing to become insurance experts.

Insurance that suits your business

We meet you where you are. Whether you are launching something new or have an existing business that has long needed optimization.

Oberoende rådgivning · FI-licensierad · Medlem i SFM · Hjerta-ansluten

One gateway to the entire market

You shouldn't have to compare every insurer yourself.
That's what we do, and we know what good terms look like.

+ the entire market

insurance intermediary

Your companyOne partner. The entire market.

Services

Tre steg. En försäkringsaffär som håller. Vi går från klarhet till avtal och vidare till löpande kontroll.

01 Qombine Insight

Strategi & analys Vi synar nuläget, jämför alternativen och visar vad som faktiskt skiljer produkterna åt. Ni får ett beslutsunderlag som går att agera på – inte ännu en rapport att parkera. Ni får: Klarhet, prioriteringar och konkreta rekommendationer.

02 Qombine Deal

Upphandling & förhandling Vi tar affären från kravbild till rätt partner och rätt villkor. Oavsett om ni lanserar nytt eller behöver omförhandla ett gammalt avtal driver vi processen hela vägen. Ni får: Rätt partner, rätt villkor och ett avtal som håller.

03 Qombine Manage

Löpande förvaltning När avtalet är på plats ser vi till att affären fortsätter leverera. Vi följer KPI:er, håller dialogen med försäkringsbolagen och driver förbättringar innan problemen växer. Ni får: Ägarskap, kontroll och framdrift över tid.

01 Qombine Insight

02 Qombine Deal

03 Qombine Manage

Börja med Insight, gå vidare till Deal och behåll kontrollen med Manage.

Services

Tre steg. En försäkringsaffär som håller. Vi går från klarhet till avtal och vidare till löpande kontroll.

01 Qombine Insight

02 Qombine Deal

03 Qombine Manage

Börja med Insight, gå vidare till Deal och behåll kontrollen med Manage.

Don't let the insurance issue be just a checkbox. Get in touch. We will provide concrete ideas - not a sales pitch.

Saman JabbariCEO & strategic insurance partner

About us

Strategist. Executor. Insurance partner.

Insurance is really complex. It's not an opinion — it's something I've seen time and time again over 18 years in the industry. At Trygg-Hansa, SEB, and Northmill Bank. On the customer side and on the insurance side.

I've seen what happens when the insurance question isn't owned by someone who can drive it all the way. Agreements that don't hold. New initiatives that never land. Organizations that leave money on the table without knowing it.

That's why Qombine exists.

We are not a consulting firm that delivers a report and moves on. We step in as your partner — and we stay.

"Most guess. Qombine calculates."

About us

Strategist. Executor. Insurance partner.

That's why Qombine exists.

We are not a consulting firm that delivers a report and moves on. We step in as your partner — and we stay.

"Most guess. Qombine calculates."

About us

Strategist. Executor. Insurance partner.

That's why Qombine exists.

We are not a consulting firm that delivers a report and moves on. We step in as your partner — and we stay.

"Most guess. Qombine calculates."

Kostnadsfri genomlysning. 30 minuter.

Kostnadsfri genomlysning.
30 minuter.

På 30 minuter går vi igenom er försäkringsaffär och pekar ut var potentialen finns.

Boka ett första samtal

Get in touch

Tell us what you're working on. We'll take it from there.

Name

Message

Phone+46 737 03 27 43

Emailinfo@qombine.se

AddressEngelbrektsgatan 31, Stockholm

LinkedInQombine ↗

Qombine. FI-licensed insurance intermediary.

Försäkring som affär. Inte administration.

Bolag med stora kundgrupper väljer oss för att erbjuda sina kunder försäkring.

Insurance looks simple. Until it doesn't.

The insurance issue often ends up with someone responsible for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, ongoing market monitoring. It is basically an entire department.

For those of you with an existing business, the agreements roll over automatically. The terms are never evaluated. The potential is never realized.

Most of the agreements we see are not incorrect. They are imprecise. It is more expensive.

Saman Jabbari Founder & strategic insurance partner

Insurance looks simple. Until it doesn't.

The insurance issue often falls to someone with responsibility for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, market monitoring. It is really an entire department.

The result? Extended contracts, solutions that are never evaluated, and a business that does not develop.

For those of you with an existing business, the agreements roll automatically. The terms are never evaluated. The potential is never realized.

Saman Jabbari

Most agreements we see are not incorrect. They are imprecise. It is more expensive.

More revenue per customer

Compliance that holds

Insurance that suits your business

One gateway to the entire market

Services

Tre steg. En försäkringsaffär som håller. Vi går från klarhet till avtal och vidare till löpande kontroll.

01 Qombine Insight

02 Qombine Deal

03 Qombine Manage

01 Qombine Insight

02 Qombine Deal

03 Qombine Manage

Services

Tre steg. En försäkringsaffär som håller. Vi går från klarhet till avtal och vidare till löpande kontroll.

01 Qombine Insight

02 Qombine Deal

03 Qombine Manage

Strategist. Executor. Insurance partner.

Strategist. Executor. Insurance partner.

Strategist. Executor. Insurance partner.

Kostnadsfri genomlysning. 30 minuter.

Kostnadsfri genomlysning. 30 minuter.

Get in touch

Bolag med stora kundgrupper väljer oss
för att erbjuda sina kunder försäkring.

Insurance looks simple.
Until it doesn't.

Insurance looks simple.
Until it doesn't.

The insurance issue often falls to someone with responsibility for a hundred other things. It is not a personal failure - it is what the issue requires. Negotiation skills, legal understanding, market monitoring.
It is really an entire department.

Most agreements we see are not incorrect.
They are imprecise. It is more expensive.

Kostnadsfri genomlysning.
30 minuter.