Assuranceforeningen Skuld is an international mutual marine insurance company based in Oslo, Norway that specializes in protection and indemnity. Total premium in 2006 was USD 174 million. In addition to Oslo, Skuld has offices in Bergen, Copenhagen, Hamburg, Hong Kong, Moscow, New York, Piraeus and Singapore. Since Skuld is a mutual company owned by the insured, the general meeting consists of all insurance holders, or members, who vote relative to their deadweight tonnage entered in the association.