• To carry out nation-wide, Danish non-life insurance business
• To be attractive to customers by being a competitive independent and pre-eminent insurance group
• To ensure that our shareholders achieve a long-term, competitive, stable return

• To improve our position in the Danish insurance market
• To ensure that our expense ratio is at a competitive level in relation to the market
• To ensure that our growth in non-life business is higher than that of the market
• To attract and retain profitable customers by delivering a high level of customer service
• To be able to attract and retain qualified employees

• To achieve primarily organic growth, supplemented by close co-operation with alliance partners, and opportune acquisitions suitable for Topdanmark's overall strategy 
• To develop and improve the level of customer service 
• To pay out all excess capital to the shareholders
• To be a dynamic organisation encouraging both personal and professional development 
• To align the goals of Management and employees with those of our shareholders

• It creates more value for Topdanmark to do business within Denmark's borders 
• The success criteria for an insurance company are: continuous efficiency improvements, good risk management and high distribution efficiency
• Digitisation, innovation and utilisation of new technology are important means for achieving Topdanmark's success criteria

We continuously focus on optimising the return on our activities.

Our operational goals are:

• A combined ratio of at least the same level as the leading companies in the Danish market
• Growth in gross premiums earned in line with the Danish market