The link between climate adaptation and insurability in Sweden is becoming increasingly evident. The country’s water and sewage infrastructures are ageing and often unable to handle heavier rainfall and the changing climate. As a result, flood-related damages have been rising nationwide, putting growing pressure on insurers. Payouts for weather-related property losses have more than doubled over the past three decades, driven by flash floods, heavy rain, and sewer backflow events. As these hazards become more frequent, insurers are reassessing what constitutes 'sudden and unforeseen' damage; some have begun limiting coverage in areas where climate risks were overlooked during planning. Without substantial municipal investment in stormwater systems and tighter land-use controls, premiums are likely to continue rising and an increasing number of households may find affordable cover out of reach.

Sweden’s road and rail networks are also showing signs of strain, and companies continue to face accidents, delays and higher costs due to inadequate maintenance and winter disruptions. Business leaders and insurers are voicing growing concerns that infrastructure quality is falling behind economic needs. If public investment does not keep pace, it is likely insurers will tighten policy terms or even exclude damage caused by network failures. In turn, this is expected to drive demand for policies that cover transport interruptions and business disruption costs. This trend will most likely also give rise to the question of whether public authorities or private operators should ultimately bear the financial responsibility – a debate that is becoming increasingly central to Swedish risk management.

Business bankruptcies are rising across Sweden, reflecting economic pressure from higher interest rates and tighter credit conditions. This creates greater legal and financial risk for company boards, as directors can face personal liability if they are accused of mismanagement. Demand for directors and officers insurance is therefore growing. Smaller and mid-sized firms are increasingly looking for policies that include legal support and compliance guidance, helping protect decision-makers in a more challenging business environment. This shift is likely to continue as insolvency levels remain elevated.

PFAS contamination has become a nationwide challenge in Sweden, with traces found in groundwater near airports, fire training sites, and industrial areas. Cleanup costs are high and long-term, yet many insurers are starting to exclude PFAS from coverage, leaving municipalities, businesses, and property owners exposed to potentially large liabilities. The trend has intensified following the 2023 Swedish Supreme Court PFAS-case ruling, which confirmed that elevated PFAS levels in residents’ blood can constitute compensable harm. This landmark case has set a precedent that heightens pressure on insurers, especially as PFAS continues to be detected at multiple locations across the country. In turn, this is expected to drive demand for insurance solutions that share the financial burden while supporting responsible environmental remediation, making PFAS a persistent and evolving risk for the Swedish insurance sector.

Cyberattacks are becoming increasingly frequent and severe in Sweden, affecting both businesses and municipalities. Despite being one of the most digitally advanced countries, many organisations remain vulnerable to ransomware, data breaches, and other cyber threats. In December 2023, the prominent Swedish retail chain Coop was hit by a cyberattack that disrupted operations and left payment systems offline for several days. In August 2025, a large-scale ransomware attack compromised systems in numerous municipalities, raising concerns over data breaches and operational disruptions. As these attacks continue, cyber insurance is becoming an essential tool for managing risk. More organisations are expected to adopt coverage to protect operations and recover swiftly after incidents. Implementing basic safeguards, such as response plans and staff training, is becoming standard practice. With digital threats on the rise, the importance of cyber insurance in Swedish risk management will only grow.