Enligt rapporten finns bakom utvecklingen en kombination av pressade balansräkningar, höga konkurstal och ett skifte i hur framför allt små och medelstora företag hanterar kundrisker.
Fler företag försäkrar sina affärer – 5 varningssignaler att ha koll på
Affärer
Svenska företag försäkrar sina affärer i allt större utsträckning. Den inhemskt försäkrade omsättningen ökade med 24 procent under 2024, enligt den senaste rapporten från Kredit- och Garantiförsäkringsföreningen.

Foto: Adobe Stock/Pressbild.
Någonting är fel
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Riskmedvetenhet driver efterfrågan
Camilla Arwin, styrelseledamot i Kredit- och Garantiförsäkringsföreningen, beskriver ett år där försiktigheten har blivit betydligt mer uttalad. Hon pekar på att likviditeten pressats av både räntor och priser samtidigt som betalningsmönstren förändrats.
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


