Gjensidige Latvija is a subsidiary of the Norwegian insurer Gjensidige, offering non-life insurance products in Latvia. Services include property, travel, personal, shopping, compulsory driver, and fully comprehensive insurance[5]. The target audience is both private and commercial customers. The unique selling proposition is their efficient claims administration process, with about 27% of claims resolved in a single call and online claims reimbursed within five working days[5]. Recently, Gjensidige's Baltic operations, including ADB Gjensidige, were sold to Ergo International AG[3].