Skuld's Annual Review and Accounts 2017 (20.02.17-20.02.18) is now available, please see Financial reports . For a record 15th consecutive year we celebrate a positive underwriting result. We are proud to announce yet another strong bottom line as well as a total combined ratio of 97%. Proving our strength "Skuld's result and the cases handled over the year show that our size and stability cater for both the big casualties and the volatility in our markets", says President and CEO Ståle Hansen. Riding the storm Chairman of the Board, Klaus Kjærulff, says "Skuld is well placed with a strong management team, highly skilled employees and a strong service culture."