{"id":7543,"date":"2026-03-17T14:16:25","date_gmt":"2026-03-17T14:16:25","guid":{"rendered":"https:\/\/haavind.no\/en\/?post_type=expertise&#038;p=7543"},"modified":"2026-04-16T09:31:54","modified_gmt":"2026-04-16T09:31:54","slug":"insurance-and-pensions","status":"publish","type":"expertise","link":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/","title":{"rendered":"Insurance and Pensions"},"content":{"rendered":"\t<div class=\"template-expertise alignwide wp-block-dekode-hero\">\n\t\t<div class=\"hero__inner\">\n\t\t\t<div class=\"hero__inner_blocks\">\n\t\t\t\t\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Insurance and Pensions<\/h1>\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover\" \/><\/figure><\/div>\n\n\n\n<p>Insurance and pensions require a combination of legal precision, sector insight and practical problem-solving.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"anchor-menu\">\n\t\t\t\t<a href=\"#contact\" class=\"anchor-contact\">Contact us<\/a>\n\t\t\t\t<a href=\"#references\" class=\"anchor-references\">References<\/a>\n\t\t\t\t<a href=\"#services\" class=\"anchor-services\">We advise on<\/a>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\n\n\n<p><br>Haavind\u2019s specialists advise stakeholders across the insurance value chain, including insurance undertakings, insurance intermediaries, policyholders and injured parties. We provide end-to-end support, from ongoing advisory work and commercial clarifications, through claims handling and negotiations, to mediation (court-administered and party-initiated), arbitration and litigation before the state courts. Our work ranges from traditional loss and liability matters to more business-oriented assignments such as licensing applications and regulatory advice, product development and policy wordings, and the negotiation of insurance contracts. We also advise regularly on pensions and have established a number of pension funds. Our aim is to identify the solution that best protects the client\u2019s interests in each matter, through leading expertise, clear advice, strong case management and efficient handling of both the law and the facts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-we-can-help\">How we can help<\/h2>\n\n\n<div class=\"t2-accordion wp-block-t2-accordion\" data-allow-multiple=\"1\">\n<div class=\"t2-accordion-item wp-block-t2-accordion-item\">\t<h2 class=\"t2-accordion-title\">\n\t\t<button\n\t\t\taria-controls=\"accordion-panel\"\n\t\t\taria-expanded=\"false\"\n\t\t\tclass=\"t2-accordion-trigger\"\n\t\t\tid=\"insurance-regulatory\"\n\t\t\ttype=\"button\"\n\t\t>\n\t\t\tInsurance regulatory\t\t\t<span class=\"t2-accordion-icon is-closed-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevrondown\" aria-hidden=\"true\" focusable=\"false\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.5382 24L11.5382 -6.55671e-08L12.9229 0L12.9229 24L11.5382 24Z\" fill=\"black\"\/>\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24 12.4618L0 12.4618L0 11.0771L24 11.0771V12.4618Z\" fill=\"black\"\/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"t2-accordion-icon is-open-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevronup\" aria-hidden=\"true\" focusable=\"false\"><line y1=\"11.7119\" x2=\"24\" y2=\"11.7119\" stroke=\"black\" stroke-width=\"1.5\"\/><\/svg>\t\t\t<\/span>\n\t\t<\/button>\n\t<\/h2>\n\t\t<div\n\t\taria-labelledby=\"insurance-regulatory\"\n\t\tclass=\"t2-accordion-item__inner-container\"\n\t\tid=\"accordion-panel\"\n\t\trole=\"region\"\n\t\thidden\t>\n\t\t\n\n<p>We advise insurance undertakings, insurance intermediaries and asset managers on ongoing regulatory matters and practical compliance in a complex regulatory landscape. We work closely with the client\u2019s legal and compliance teams to deliver robust and workable solutions. Our specialists regularly assist with:<\/p>\n\n\n\n<ul>\n<li>Establishment and structuring of operations, including branches and cross-border activity<\/li>\n\n\n\n<li>Assessments relating to distribution and sales channels, and contractual structures within the insurance value chain<\/li>\n\n\n\n<li>Advice in connection with supervisory reviews, regulatory measures and dialogue with public authorities<\/li>\n<\/ul>\n\n\t<\/div>\n\t<\/div>\n\n<div class=\"t2-accordion-item wp-block-t2-accordion-item\">\t<h2 class=\"t2-accordion-title\">\n\t\t<button\n\t\t\taria-controls=\"accordion-panel-1\"\n\t\t\taria-expanded=\"false\"\n\t\t\tclass=\"t2-accordion-trigger\"\n\t\t\tid=\"product-development-and-policy-wording\"\n\t\t\ttype=\"button\"\n\t\t>\n\t\t\tProduct development and policy wording\t\t\t<span class=\"t2-accordion-icon is-closed-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevrondown\" aria-hidden=\"true\" focusable=\"false\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.5382 24L11.5382 -6.55671e-08L12.9229 0L12.9229 24L11.5382 24Z\" fill=\"black\"\/>\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24 12.4618L0 12.4618L0 11.0771L24 11.0771V12.4618Z\" fill=\"black\"\/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"t2-accordion-icon is-open-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevronup\" aria-hidden=\"true\" focusable=\"false\"><line y1=\"11.7119\" x2=\"24\" y2=\"11.7119\" stroke=\"black\" stroke-width=\"1.5\"\/><\/svg>\t\t\t<\/span>\n\t\t<\/button>\n\t<\/h2>\n\t\t<div\n\t\taria-labelledby=\"product-development-and-policy-wording\"\n\t\tclass=\"t2-accordion-item__inner-container\"\n\t\tid=\"accordion-panel-1\"\n\t\trole=\"region\"\n\t\thidden\t>\n\t\t\n\n<p>We assist with the development, review and quality assurance of insurance products and related documentation, with a focus on clarity, risk allocation and operational manageability in claims handling and disputes. Our specialists regularly assist with:<\/p>\n\n\n\n<ul>\n<li>Drafting and revision of policy terms and conditions, exclusions, safety requirements and definitions<\/li>\n\n\n\n<li>Assessing the alignment between policy wordings, customer documentation and claims processes<\/li>\n\n\n\n<li>Reviewing standard texts, process descriptions and templates used in underwriting and claims handling<\/li>\n\n\n\n<li>Advice on the interface between insurance contracts, underlying contracts and principles of the law of damages<\/li>\n<\/ul>\n\n\t<\/div>\n\t<\/div>\n\n<div class=\"t2-accordion-item wp-block-t2-accordion-item\">\t<h2 class=\"t2-accordion-title\">\n\t\t<button\n\t\t\taria-controls=\"accordion-panel-2\"\n\t\t\taria-expanded=\"false\"\n\t\t\tclass=\"t2-accordion-trigger\"\n\t\t\tid=\"negotiation-of-liability-insurance\"\n\t\t\ttype=\"button\"\n\t\t>\n\t\t\tNegotiation of liability insurance\t\t\t<span class=\"t2-accordion-icon is-closed-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevrondown\" aria-hidden=\"true\" focusable=\"false\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.5382 24L11.5382 -6.55671e-08L12.9229 0L12.9229 24L11.5382 24Z\" fill=\"black\"\/>\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24 12.4618L0 12.4618L0 11.0771L24 11.0771V12.4618Z\" fill=\"black\"\/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"t2-accordion-icon is-open-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevronup\" aria-hidden=\"true\" focusable=\"false\"><line y1=\"11.7119\" x2=\"24\" y2=\"11.7119\" stroke=\"black\" stroke-width=\"1.5\"\/><\/svg>\t\t\t<\/span>\n\t\t<\/button>\n\t<\/h2>\n\t\t<div\n\t\taria-labelledby=\"negotiation-of-liability-insurance\"\n\t\tclass=\"t2-accordion-item__inner-container\"\n\t\tid=\"accordion-panel-2\"\n\t\trole=\"region\"\n\t\thidden\t>\n\t\t\n\n<p>We advise on the negotiation and placement of liability insurance programs, acting for both insurance undertakings and policyholders. We contribute structure, negotiation support and precise drafting that reduces ambiguity and the risk of disputes later. Our specialists regularly assist with:<\/p>\n\n\n\n<ul>\n<li>Negotiation of professional indemnity (E&amp;O), directors\u2019 and officers\u2019 liability (D&amp;O) and other liability insurances<\/li>\n\n\n\n<li>Reviewing contractual risk and liability regimes, and translating them into appropriate insurance solutions<\/li>\n\n\n\n<li>Underwriting advice for transaction insurance, primarily W&amp;I insurance, including review of the proposed coverage structure, key exclusions, limits, period of cover and alignment with the transaction documentation<\/li>\n\n\n\n<li>Advice in connection with renewals, amendments and portfolio adjustments, including \u201cclaims made\u201d issues where relevant<\/li>\n<\/ul>\n\n\t<\/div>\n\t<\/div>\n\n<div class=\"t2-accordion-item wp-block-t2-accordion-item\">\t<h2 class=\"t2-accordion-title\">\n\t\t<button\n\t\t\taria-controls=\"accordion-panel-3\"\n\t\t\taria-expanded=\"false\"\n\t\t\tclass=\"t2-accordion-trigger\"\n\t\t\tid=\"coverage-advice-and-claims-handling\"\n\t\t\ttype=\"button\"\n\t\t>\n\t\t\tCoverage advice and claims handling\t\t\t<span class=\"t2-accordion-icon is-closed-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevrondown\" aria-hidden=\"true\" focusable=\"false\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.5382 24L11.5382 -6.55671e-08L12.9229 0L12.9229 24L11.5382 24Z\" fill=\"black\"\/>\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24 12.4618L0 12.4618L0 11.0771L24 11.0771V12.4618Z\" fill=\"black\"\/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"t2-accordion-icon is-open-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevronup\" aria-hidden=\"true\" focusable=\"false\"><line y1=\"11.7119\" x2=\"24\" y2=\"11.7119\" stroke=\"black\" stroke-width=\"1.5\"\/><\/svg>\t\t\t<\/span>\n\t\t<\/button>\n\t<\/h2>\n\t\t<div\n\t\taria-labelledby=\"coverage-advice-and-claims-handling\"\n\t\tclass=\"t2-accordion-item__inner-container\"\n\t\tid=\"accordion-panel-3\"\n\t\trole=\"region\"\n\t\thidden\t>\n\t\t\n\n<p>We provide prompt and thorough advice on coverage issues and advice clients throughout the life cycle of a claim. We focus in particular on getting the process, documentation and early positioning right, as this is often decisive for the outcome. Our specialists regularly assist with:<\/p>\n\n\n\n<ul>\n<li>Coverage analyses and advice on rights, obligations and time limits<\/li>\n\n\n\n<li>Handling of the duty of disclosure, notification requirements, loss mitigation and other policy conditions<\/li>\n\n\n\n<li>Settlement dialogue and negotiations, including assessment of evidence and loss documentation<\/li>\n\n\n\n<li>Subrogation and complex recourse claims, including coordination where multiple layers of insurance or multiple stakeholders are involved<\/li>\n\n\n\n<li>Reinsurance issues in settlement and claims matters, particularly where reinsurance arrangements affect handling, allocation or settlement of the underlying claim<\/li>\n<\/ul>\n\n\t<\/div>\n\t<\/div>\n\n<div class=\"t2-accordion-item wp-block-t2-accordion-item\">\t<h2 class=\"t2-accordion-title\">\n\t\t<button\n\t\t\taria-controls=\"accordion-panel-4\"\n\t\t\taria-expanded=\"false\"\n\t\t\tclass=\"t2-accordion-trigger\"\n\t\t\tid=\"dispute-resolution-and-litigation\"\n\t\t\ttype=\"button\"\n\t\t>\n\t\t\tDispute resolution and litigation\t\t\t<span class=\"t2-accordion-icon is-closed-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevrondown\" aria-hidden=\"true\" focusable=\"false\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.5382 24L11.5382 -6.55671e-08L12.9229 0L12.9229 24L11.5382 24Z\" fill=\"black\"\/>\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24 12.4618L0 12.4618L0 11.0771L24 11.0771V12.4618Z\" fill=\"black\"\/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"t2-accordion-icon is-open-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevronup\" aria-hidden=\"true\" focusable=\"false\"><line y1=\"11.7119\" x2=\"24\" y2=\"11.7119\" stroke=\"black\" stroke-width=\"1.5\"\/><\/svg>\t\t\t<\/span>\n\t\t<\/button>\n\t<\/h2>\n\t\t<div\n\t\taria-labelledby=\"dispute-resolution-and-litigation\"\n\t\tclass=\"t2-accordion-item__inner-container\"\n\t\tid=\"accordion-panel-4\"\n\t\trole=\"region\"\n\t\thidden\t>\n\t\t\n\n<p>Where a matter cannot be resolved through dialogue, we assist throughout the dispute process. We develop dispute strategy, ensure structured management of evidence and procedure, and conduct cases before the courts or in arbitration. Our specialists regularly assist with:<\/p>\n\n\n\n<ul>\n<li>Negotiations and mediation (both court-administered and party-initiated mediation)<\/li>\n\n\n\n<li>Litigation and arbitration in coverage and liability disputes<\/li>\n\n\n\n<li>Disputes concerning recourse and allocation between insurance market participants, including matters where reinsurance elements drive the dispute<\/li>\n\n\n\n<li>Large and complex matters where insurance forms a central part of the overall picture<\/li>\n\n\n\n<li>Choice-of-venue and choice-of-law questions as well as enforcement issues, particularly in connection with claims involving cross-border elements<\/li>\n<\/ul>\n\n\t<\/div>\n\t<\/div>\n\n<div class=\"t2-accordion-item wp-block-t2-accordion-item\">\t<h2 class=\"t2-accordion-title\">\n\t\t<button\n\t\t\taria-controls=\"accordion-panel-5\"\n\t\t\taria-expanded=\"false\"\n\t\t\tclass=\"t2-accordion-trigger\"\n\t\t\tid=\"pensions\"\n\t\t\ttype=\"button\"\n\t\t>\n\t\t\tPensions\t\t\t<span class=\"t2-accordion-icon is-closed-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevrondown\" aria-hidden=\"true\" focusable=\"false\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.5382 24L11.5382 -6.55671e-08L12.9229 0L12.9229 24L11.5382 24Z\" fill=\"black\"\/>\n\t\t<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24 12.4618L0 12.4618L0 11.0771L24 11.0771V12.4618Z\" fill=\"black\"\/><\/svg>\t\t\t<\/span>\n\t\t\t<span class=\"t2-accordion-icon is-open-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" height=\"24\" width=\"24\" class=\"t2-icon t2-icon-chevronup\" aria-hidden=\"true\" focusable=\"false\"><line y1=\"11.7119\" x2=\"24\" y2=\"11.7119\" stroke=\"black\" stroke-width=\"1.5\"\/><\/svg>\t\t\t<\/span>\n\t\t<\/button>\n\t<\/h2>\n\t\t<div\n\t\taria-labelledby=\"pensions\"\n\t\tclass=\"t2-accordion-item__inner-container\"\n\t\tid=\"accordion-panel-5\"\n\t\trole=\"region\"\n\t\thidden\t>\n\t\t\n\n<p>We advise pension funds, asset managers and employers on pension-related matters. We have established a number of pension funds and drafted many occupational pension schemes. Our specialists regularly assist with:<\/p>\n\n\n\n<ul>\n<li>Establishment and structuring of pension funds, including licensing processes, governance arrangements and required documentation<\/li>\n\n\n\n<li>Design, amendment and harmonisation of pension schemes, including review of terms, rules and member communications<\/li>\n\n\n\n<li>Business transactions and reorganisations where pension schemes and historic arrangements must be mapped and addressed<\/li>\n\n\n\n<li>Advice relating to asset management, including investment frameworks, mandates, policies, risk management and oversight of external managers<\/li>\n\n\n\n<li>Advice in connection with regulatory dialogue and supervisory matters relating to pensions<\/li>\n<\/ul>\n\n\t<\/div>\n\t<\/div>\n<\/div>\n\n\t<div \n\t\tclass=\"template-expertise alignwide wp-block-haavind-block-contact-people\" id=\"contact\"\t\t>\n\t\t<h2 class=\"post-featured-title\">Contact us<\/h2>\n\t\t<div class=\"block-contact-people-list\">\n\t\t\t\n<div class=\"t2-featured-content-layout alignwide wp-block-t2-featured-content-layout\">\n<div class=\"t2-featured-single-post t2-featured-content is-post-type-person sector-finance sector-private-equity sector-real-estate sector-renewable-energy speciality-banking-and-finance speciality-stock-exchange-capital speciality-financial-regulatory role-partner wp-block-t2-featured-single-post\">\n<div class=\"wp-block-group alignfull post-featured-image is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/kasper-formo-asplin\/\">\n\t<figure style=\"--t2-focal-point: 50% 50%\" class=\"t2-post-featured-image has-image-ratio-3-4 wp-block-t2-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1365\" src=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2022\/08\/Kasper-Formo-Asplin-scaled-1024x1365.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/figure>\n\t<\/a>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull post-featured-content is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/kasper-formo-asplin\/\"><h2 class=\"t2-post-title wp-block-t2-post-title\">Kasper Formo Asplin<\/h2><\/a>\n\t<div class=\"taxonomy-role wp-block-post-terms\"><a href=\"https:\/\/haavind.no\/en\/role\/partner\/\" rel=\"tag\">Partner<\/a><\/div>\n\t<div class=\"card-info wp-block-t2-people-meta\"><div class=\"card-info__post-meta meta-key-people_email\"><a href=\"mailto:k.asplin@haavind.no\">k.asplin@haavind.no<\/a><\/div><div class=\"card-info__post-meta meta-key-people_phone\"><a href=\"tel:+47 922 37 937\">+47 922 37 937<\/a><\/div><\/div>\n<\/div>\n\n<\/div>\n\n<div class=\"t2-featured-single-post t2-featured-content is-post-type-person sector-fisheries-and-aquaculture sector-finance speciality-food speciality-dispute-resolution speciality-corporate role-partner wp-block-t2-featured-single-post\">\n<div class=\"wp-block-group alignfull post-featured-image is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/ida-espolin-johnson\/\">\n\t<figure style=\"--t2-focal-point: 50% 50%\" class=\"t2-post-featured-image has-image-ratio-3-4 wp-block-t2-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"1030\" src=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2024\/05\/IdaEspolinJohnson_24915.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/figure>\n\t<\/a>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull post-featured-content is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/ida-espolin-johnson\/\"><h2 class=\"t2-post-title wp-block-t2-post-title\">Ida Espolin Johnson<\/h2><\/a>\n\t<div class=\"taxonomy-role wp-block-post-terms\"><a href=\"https:\/\/haavind.no\/en\/role\/partner\/\" rel=\"tag\">Partner<\/a><\/div>\n\t<div class=\"card-info wp-block-t2-people-meta\"><div class=\"card-info__post-meta meta-key-people_email\"><a href=\"mailto:i.johnson@haavind.no\">i.johnson@haavind.no<\/a><\/div><div class=\"card-info__post-meta meta-key-people_phone\"><a href=\"tel:+47 958 18 432\">+47 958 18 432<\/a><\/div><\/div>\n<\/div>\n\n<\/div>\n\n<div class=\"t2-featured-single-post t2-featured-content is-post-type-person sector-private-equity sector-renewable-energy speciality-corporate speciality-dispute-resolution speciality-stock-exchange-capital role-associate-partner wp-block-t2-featured-single-post\">\n<div class=\"wp-block-group alignfull post-featured-image is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/herman-bondeson\/\">\n\t<figure style=\"--t2-focal-point: 50% 50%\" class=\"t2-post-featured-image has-image-ratio-3-4 wp-block-t2-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"1030\" src=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2022\/11\/herman-Bondeson.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/figure>\n\t<\/a>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull post-featured-content is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/herman-bondeson\/\"><h2 class=\"t2-post-title wp-block-t2-post-title\">Herman Bondeson<\/h2><\/a>\n\t<div class=\"taxonomy-role wp-block-post-terms\"><a href=\"https:\/\/haavind.no\/en\/role\/associate-partner\/\" rel=\"tag\">Associate Partner<\/a><\/div>\n\t<div class=\"card-info wp-block-t2-people-meta\"><div class=\"card-info__post-meta meta-key-people_email\"><a href=\"mailto:h.bondeson@haavind.no\">h.bondeson@haavind.no<\/a><\/div><div class=\"card-info__post-meta meta-key-people_phone\"><a href=\"tel:+34 681 237 815\">+34 681 237 815<\/a><\/div><\/div>\n<\/div>\n\n<\/div>\n\n<div class=\"t2-featured-single-post t2-featured-content is-post-type-person role-specialist-counsel wp-block-t2-featured-single-post\">\n<div class=\"wp-block-group alignfull post-featured-image is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/michal-jorek\/\">\n\t<figure style=\"--t2-focal-point: 50% 50%\" class=\"t2-post-featured-image has-image-ratio-3-4 wp-block-t2-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1315\" src=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2025\/03\/Michal-Jorek-2025-1024x1315.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/figure>\n\t<\/a>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull post-featured-content is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/michal-jorek\/\"><h2 class=\"t2-post-title wp-block-t2-post-title\">Michal Jorek<\/h2><\/a>\n\t<div class=\"taxonomy-role wp-block-post-terms\"><a href=\"https:\/\/haavind.no\/en\/role\/specialist-counsel\/\" rel=\"tag\">Specialist Counsel<\/a><\/div>\n\t<div class=\"card-info wp-block-t2-people-meta\"><div class=\"card-info__post-meta meta-key-people_email\"><a href=\"mailto:m.jorek@haavind.no\">m.jorek@haavind.no<\/a><\/div><div class=\"card-info__post-meta meta-key-people_phone\"><a href=\"tel:+47 920 92 709\">+47 920 92 709<\/a><\/div><\/div>\n<\/div>\n\n<\/div>\n\n<div class=\"t2-featured-single-post t2-featured-content is-post-type-person sector-real-estate speciality-dispute-resolution speciality-property-development speciality-property-transactions role-senior-lawyer wp-block-t2-featured-single-post\">\n<div class=\"wp-block-group alignfull post-featured-image is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/thomas-setsaas\/\">\n\t<figure style=\"--t2-focal-point: 50% 50%\" class=\"t2-post-featured-image has-image-ratio-3-4 wp-block-t2-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"1030\" src=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2022\/11\/Thomas-Setsaas.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/figure>\n\t<\/a>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull post-featured-content is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/thomas-setsaas\/\"><h2 class=\"t2-post-title wp-block-t2-post-title\">Thomas Setsaas<\/h2><\/a>\n\t<div class=\"taxonomy-role wp-block-post-terms\"><a href=\"https:\/\/haavind.no\/en\/role\/senior-lawyer\/\" rel=\"tag\">Senior Lawyer<\/a><\/div>\n\t<div class=\"card-info wp-block-t2-people-meta\"><div class=\"card-info__post-meta meta-key-people_email\"><a href=\"mailto:t.setsaas@haavind.no\">t.setsaas@haavind.no<\/a><\/div><div class=\"card-info__post-meta meta-key-people_phone\"><a href=\"tel:+47 934 36 003\">+47 934 36 003<\/a><\/div><\/div>\n<\/div>\n\n<\/div>\n\n<div class=\"t2-featured-single-post t2-featured-content is-post-type-person sector-construction sector-fisheries-and-aquaculture sector-offshore-and-industries sector-renewable-energy speciality-construction-and-offshore speciality-dispute-resolution role-partner wp-block-t2-featured-single-post\">\n<div class=\"wp-block-group alignfull post-featured-image is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/silje-helene-bakkevig-dagsland\/\">\n\t<figure style=\"--t2-focal-point: 50% 50%\" class=\"t2-post-featured-image has-image-ratio-3-4 wp-block-t2-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1318\" src=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2016\/04\/Silje-Dagsland-2-1024x1318.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><\/figure>\n\t<\/a>\n<\/div>\n\n\n<div class=\"wp-block-group alignfull post-featured-content is-layout-flow wp-block-group-is-layout-flow\">\n\t<a class=\"t2-post-link wp-block-t2-post-link\" href=\"https:\/\/haavind.no\/en\/people\/silje-helene-bakkevig-dagsland\/\"><h2 class=\"t2-post-title wp-block-t2-post-title\">Silje Helene Bakkevig Dagsland<\/h2><\/a>\n\t<div class=\"taxonomy-role wp-block-post-terms\"><a href=\"https:\/\/haavind.no\/en\/role\/partner\/\" rel=\"tag\">Partner<\/a><\/div>\n\t<div class=\"card-info wp-block-t2-people-meta\"><div class=\"card-info__post-meta meta-key-people_email\"><a href=\"mailto:s.dagsland@haavind.no\">s.dagsland@haavind.no<\/a><\/div><div class=\"card-info__post-meta meta-key-people_phone\"><a href=\"tel:+47 481 53 407\">+47 481 53 407<\/a><\/div><\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":7545,"template":"","meta":{"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance and Pensions - Haavind EN<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance and Pensions\" \/>\n<meta property=\"og:url\" content=\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/\" \/>\n<meta property=\"og:site_name\" content=\"Haavind EN\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-16T09:31:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/\",\"url\":\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/\",\"name\":\"Insurance and Pensions - Haavind EN\",\"isPartOf\":{\"@id\":\"https:\/\/haavind.no\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png\",\"datePublished\":\"2026-03-17T14:16:25+00:00\",\"dateModified\":\"2026-04-16T09:31:54+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#primaryimage\",\"url\":\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png\",\"contentUrl\":\"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png\",\"width\":1080,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Expertise\",\"item\":\"https:\/\/haavind.no\/en\/expertise\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance and Pensions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/haavind.no\/en\/#website\",\"url\":\"https:\/\/haavind.no\/en\/\",\"name\":\"Haavind EN\",\"description\":\"-\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/haavind.no\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Insurance and Pensions - Haavind EN","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/","og_locale":"en_US","og_type":"article","og_title":"Insurance and Pensions","og_url":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/","og_site_name":"Haavind EN","article_modified_time":"2026-04-16T09:31:54+00:00","og_image":[{"width":1080,"height":1080,"url":"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/","url":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/","name":"Insurance and Pensions - Haavind EN","isPartOf":{"@id":"https:\/\/haavind.no\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#primaryimage"},"image":{"@id":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#primaryimage"},"thumbnailUrl":"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png","datePublished":"2026-03-17T14:16:25+00:00","dateModified":"2026-04-16T09:31:54+00:00","breadcrumb":{"@id":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#primaryimage","url":"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png","contentUrl":"https:\/\/haavind.no\/content\/uploads\/sites\/2\/2026\/03\/ForsikringIkon-2.png","width":1080,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/haavind.no\/en\/expertise\/insurance-and-pensions\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Expertise","item":"https:\/\/haavind.no\/en\/expertise\/"},{"@type":"ListItem","position":2,"name":"Insurance and Pensions"}]},{"@type":"WebSite","@id":"https:\/\/haavind.no\/en\/#website","url":"https:\/\/haavind.no\/en\/","name":"Haavind EN","description":"-","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/haavind.no\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/haavind.no\/en\/wp-json\/wp\/v2\/expertise\/7543"}],"collection":[{"href":"https:\/\/haavind.no\/en\/wp-json\/wp\/v2\/expertise"}],"about":[{"href":"https:\/\/haavind.no\/en\/wp-json\/wp\/v2\/types\/expertise"}],"version-history":[{"count":6,"href":"https:\/\/haavind.no\/en\/wp-json\/wp\/v2\/expertise\/7543\/revisions"}],"predecessor-version":[{"id":7581,"href":"https:\/\/haavind.no\/en\/wp-json\/wp\/v2\/expertise\/7543\/revisions\/7581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haavind.no\/en\/wp-json\/wp\/v2\/media\/7545"}],"wp:attachment":[{"href":"https:\/\/haavind.no\/en\/wp-json\/wp\/v2\/media?parent=7543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}