Insurance in Poland

CMS Cameron McKenna Nabarro Olswang Posniak i Bejm sp.k.

CMS Cameron McKenna Nabarro Olswang Posniak i Bejm sp.k.‘s financial services and institutions team is led by Ewa Świderska, and the department is praised for its ‘great knowledge, deep understanding of the market and client needs.’ The practice advises domestic and international insurance stakeholders on a broad range of contentious and non-contentious matters including M&A transactions and regulatory mandates. The group also acts for financial institutions on consumer protection issues, representing clients before the Polish consumer protection authority. Senior associate Adam Jodkowski is also a name of note.

Practice head(s):

Ewa Świderska


‘Great knowledge, deep understanding of the market and client needs and focused on solutions.’

‘The company is experienced in mergers and transformations of insurance companies.’

‘Fast response and on going contact during the case which helps to keep the issue under control, as well as good cooperation and quite often proposing alternative solutions.’

‘We worked with Mrs. Ewa Świderska, who coordinated the project with the satisfactory result and Ms. Sylwia Raszplewicz- Czyżewska who supported the projects and we are happy about the cooperation.’

Key clients


Bank Millennium

Credit Agricole Life Insurance Europe



PIB Group Limited


Work highlights

  • Assisted Generali group with the merger of Generali Polish life and non-life companies with, accordingly, Concordia life and non-life companies, and the successful transformation of a mutual insurance company, Concordia Non-Life, into a joint-stock company.
  • Advised Credit Agricole Life Insurance Europe on the regulatory, commercial, and tax aspects related to the intra-group transfer of the insurance portfolio of its Polish branch to the newly established Polish insurance company within Credit Agricole Group and the intra-group transfer of the remaining assets of that branch, as well as advising on the liquidation of the above-mentioned Polish branch.
  • Advised Qover (InsurTech) on some aspects of cooperation with Revolut in relation to embedded insurance supporting Revolut clients in their day-to-day operations.

DLA Piper Giziński Kycia sp.

DLA Piper's insurance team is particularly praised for its 'great experience in advising on the financial market.' The practice offers both contentious and non-contentious support to domestic and international insurance companies and intermediaries. This includes regulatory matters, corporate transactions, litigation before the courts, the Polish Financial Supervision Authority, and the Office of Competition and Consumer Protection, and tax law advice. 'Exceptional' and dedicated-insurance lawyer Beata Mrozowska-Bartkiewicz  leads the group from Warsaw. Senior associate Dominika Wolf-Jezierska is also a key team member with significant experience in regulatory and contentious matters.

Other key lawyers:

Dominika Wolf-Jezierska


‘Great experience in advising on the financial market and great personal contact with the client.’

‘A solid, factual basis goes hand in hand with professional service and knowledge of market needs. Good contact with the customer and efficient service.’

‘Mrs. Beata Mrozowska-Bartkiewicz is an exceptional lawyer with great knowledge and attitude.’

‘Cooperation with Beata Mrozowska-Bartkiewicz is carried out in an atmosphere of professionalism, at the highest professional level and in an efficient manner. She has the ability to recognise the needs of her clients and meet them head on.’

Key clients


American Agricultural Insurance Company





Generali Group


Open Life

Partner Reinsurance Europe SE

PKO Ubezpieczenia

Polska Izba Ubezpieczeń


PZU Group

Polski Gaz TUW

TUW Polski Zakład Ubezpieczeń Wzajemnych


Ubezpieczeniowy Fundusz Gwarancyjny


Zavarovalnica Triglav

Hogan Lovells (Warszawa) LLP

The 'very experienced' and insurance-dedicated team at Hogan Lovells (Warszawa) LLP is adept at advising a range of clients, including life and non-life insurers and reinsurers, financial institutions and intermediaries. Areas of strength include mandates involving start-ups, distribution projects, outsourcing and reorganisations, regulatory advice and disputes. The practice benefits from the firm’s strong tax, M&A, corporate and banking teams as well as the firm’s international presence, meaning cross-border mandates are a core part of the team’s offering. Beata Balas-Noszczyk is head of the group and has a 'unique insurance knowledge' and counsel Bartosz Romanowski and Karol Ruszkowski are also key team members.

Practice head(s):

Beata Balas-Noszczyk


‘A very experienced team you can rely on and provides high-quality advice on insurance and regulatory matters.’

‘They are always quick to understand the situation, identify our options and describe the relevant solutions.’

‘Highly qualified and very service minded. Easily available and they also reach out when there is any development we should know about.’

‘The strengths of the team include deep expertise, perfect co-operation, open to customers’ expectations, reasonable costs and good relations with regulators.’

‘On a regular basis, I work with the Hogan Lovells’  lawyers on corporate and insurance matters. These people are open-minded and coherent and get to the heart of the problem. Their legal opinions are comprehensive and of a high standard. It is a rare gift to be able to translate legal language into language that non-lawyers can understand.’

‘In my opinion, the greatest value of the team is the people working there who are competent, committed and responsible. The employees of Hogan Lovells are incredibly knowledgeable about insurance law, and from frequent contact, I can tell that they are constantly improving their knowledge.’

‘Beata Balas-Noszczyk has unique insurance knowledge, is an excellent expert on regulatory issues and is very responsive and open for discussion.’

‘Beata Balas-Noszczyk is a very good and experienced expert, open to cooperation and has very good relations with regulators.’

Key clients

Aviva Group

mBank S.A.

Credit Agricole Group

UNIQA Polska Group

AXA Polska Group

NN Group

CACI Life dac, CACI Non-Life dac

Lloyd’s Group

Polish Insurance Association

D.A.S. Towarzystwo Ubezpieczeń Ochrony Prawnej S.A.

Work highlights

  • Advising the Aviva Group on the sale of its 51% stake in Santander Aviva Towarzystwo Ubezpieczeń na Życie and Santander Aviva Towarzystwo Ubezpieczeń to the Allianz Group.
  • Advising UNIQA Polska Group and AXA Polska Group on the corporate and regulatory aspects of a merger.
  • Advising Polish local subsidiary of Lloyd’s Group in relation to its day-to-day Polish business.

WKB Wiercinski, Kwiecinski, Baehr

The insurance practice at WKB Wiercinski, Kwiecinski, Baehr acts for domestic and foreign insurance and distributors. The practice benefits from the support of the firm’s M&A, dispute resolution, contract law and consumer law teams, representing clients before the Polish consumer, competition and financial regulators. The team is jointly led by business-insurance expert Jakub Pokrzywniak  and co-founder Tomasz Kwieciński who is a litigation and arbitration specialist. Managing associate Marek Prętki has expertise in the non-life insurance sector and Aleksandra Przybysz specialises in regulatory matters and M&A transactions.


‘The team has great knowledge, is open-minded and has an innovative approach.’

‘The WKB team find links between legal regulations and running an operational business in such a way as to meet statutory requirements and at the same time not to restrict operational activities.’

‘Members of the team have experience in the insurance practice and in the energy sector as well, which is very valuable in our business.’

‘Full professionalism and top-level knowledge.’

‘Cooperation with this law firm, especially with Jakub Pokrzywniak, is satisfactory both in terms of the level and quality of services provided and professional and individual approach to each client.’

Key clients

Aviva plc

Aviva Towarzystwo Ubezpieczeń na Życie S.A.

Aviva Insurance Ireland DAC

Towarzystwo Ubezpieczeń i Reasekuracji Warta SA


UNIQA TU na Życie S.A.

Chubb European Group SE Branch in Poland

Towarzystwo Ubezpieczeń i Reasekuracji Allianz Polska S.A.

Towarzystwo Ubezpieczeń Allianz Życie Polska S.A.

Powszechny Zakład Ubezpieczeń S.A.

Powszechny Zakład Ubezpieczeń na Życie S.A.

Generali Towarzystwo Ubezpieczeń S.A.

InterRisk TU S.A. VIG

Korporacja Ubezpieczeń Kredytów Eksportowych S.A.

TUW Polski Zakład Ubezpieczeń Wzajemnych

Towarzystwo Ubezpieczeń na Życie Europa S.A.

Baloise Vie Luxemburg S.A

PKO Leasing S.A

Open Life TU Życie S.A.

Nord Partner sp. zo.o.

Work highlights

  • Advised Aviva plc on the Polish legal aspects of its exit from Poland through the sale of its entire shareholding in Aviva Poland companies to Allianz for a cash consideration of €2.5bn.
  • Represented TUiR Warta S.A. successfully in the PLN7m worth court dispute over cash stolen in a transit from the Bank to ATMs before the Supreme Court.
  • Advised Chubb European Group SE Branch in Poland on a creative adaptation of several common law (UK) General Terms of Insurance to the requirements of Polish law and market practice without changing the core insurance products.

Baker McKenzie Krzyzowski i Wspólnicy Sp.k.

Baker McKenzie Krzyżowski i Wspólnicy Sp.k.'s international presence allows the team to act for local and international insurance companies in insurance and reinsurance claims, policy drafting and regulatory, corporate and compliance matters. Dispute resolution and regulatory expert Sebastian Pabian  and Pawel Wajda, who is skilled in regulatory compliance, co-lead the practice. Ireneusz Stolarski left the team in June 2021.

Practice head(s):

Sebastian PabianPawel Wajda


‘Professional service, high level of expertise and the ability to recognise customer needs and at the same time great knowledge of the market.’

‘The legal services provided by the lawyers meets the highest standards of our group. Understanding the client’s needs and grasping the key issues necessary to clarify a legal issue and resolve problems is highly valued by us. This is supported by the simple fact that we have been working together for many years in many complex cases, often involving interdisciplinary work.’

‘The individual lawyers we work with are totally different from competitors. One of the best in the insurance industry. As a result, not only the legal but also the methodological approach to the cases commissioned is at a very high level.’

‘Excellent knowledge of the insurance market, openness to the clients’ needs, extensive professional experience.’

‘High level of understanding business problems.’

‘Dr. P. Wajda. has a fast pace of work, good availability and a high level of understanding business problems.’

Key clients

TUiR Allianz Polska S.A.

Colonnade Insurance S.A. Branch in Poland

AIG Europe S.A.

Meiji Yasuda

Wiener TU S.A. Vienna Insurance Group

Compensa TU S.A. Vienna Insurance Group

Link4 Towarzystwo Ubezpieczeń S.A.

TUiR Warta S.A.

Generali T.U. S.A.

Polska Izba Ubezpieczeń

Open Life Towarzystwo Ubezpieczeń Życie S.A.

Work highlights

  • Represented TUiR Allianz Polska, Colonnade Insurance S.A. Branch in Poland and AIG Europe S.A. in both loss-adjustment and court proceedings regarding insurance claims under the D&O, PI and BBB insurance policies.
  • Represented Wiener (Vienna Insurance Group), Compensa (Vienna Insurance Group), Link4 (PZU Group), TUiR Warta S.A., Generali S.A. and TUiR Allianz Polska S.A. in administrative and court-administrative proceedings related to their activities.
  • Advising Meiji Yasuda (as the shareholder of two Polish insurance companies) on a review of Polish legislation and recent changes regarding the operation of the insurance company.

CZUBLUN TREBICKI Law Office Professional Partnership

CZUBLUN TREBICKI Law Office Professional Partnership has a core focus on insurance law, and the group is highly adept at handling a wide variety of insurance matters for a range of clients, including insurance companies, insurance distributors, banks and leasing companies. Founder Piotr Czublun and Agnieszka Wesołowska, who has expertise in supporting foreign entities on legal and regulatory issues, jointly head up the group in Warsaw.

Other key lawyers:

Julita Nowak


‘The team is very professionally focused on the best service for clients. Their answers always address clients’ questions, giving practical advice on how to solve the issue. They are very open for discussion and collaboration and are always trying to find the best ways to solve our problem.’

‘All team members have deep professional knowledge in the area of insurance, answering timely and always to the point.’

‘I mostly cooperate with Mr Czublun and I really admire the depth of his expertise connected with practical market knowledge. He is always very approachable and ready to help even in smaller cases which are important to us.’

Key clients

Hitachi Capital Polska Sp. z o.o.

Polska Izba Brokerów Ubezpieczeniowych i Reasekuracyjnych

Attis Broker Sp. z o. o.

Arrant Sp. z o. o.

HanseMerkur Reiseversicherung AG

Arval Service Lease Polska Sp. z o. o.

MAK Ubezpieczenia Sp. z o. o.

UNIQA Towarzystwo Ubezpieczeń na Życie S.A.

AXA Życie TU S.A.

VFS Usługi Finansowe Polska Sp. z o. o.

Toyota Insurance Management SE Spółka Europejska Oddział w Polsce

Work highlights

  • Represented an insurance company seated in Poland, part of a global insurance group, before the court in a dispute with a claim value exceeding €1m concerning the settlement of industrial installation insurance held by a leading gas supplier in the Polish market.
  • Advising an EU-based insurance agent in Poland on all insurance-related aspects of activity in the territory of Poland, including but not limited to assessment of compliance of newly developed project with the Polish Civil Code, regulations implementing IDD and GDPR regulations.
  • Advising an insurance company seated in Poland, part of a global insurance group, on all aspects of insurance activity by both the non-life insurance company and the life insurance company, including but not limited to general insurance and corporate regulations, as well as IDD and GDPR regulations and special pandemic regulations.

DWF Poland Jamka Sp.k

Paweł Stykowski leads the insurance practice at DWF Poland Jamka Sp.k, which was established in May 2020. Stykowski advises insurance companies and distributors entering the market on regulatory and civil law issues, as well as on the selection and implementation of insurance distribution models. He has also been involved with the implementation of regulations for the Polish FSA. Corporate lawyer Anna Wietrzyńska-Ciołkowska is adept at  providing corporate, transactional and restructuring law advice to insurance companies and insurance brokers.

Practice head(s):

Paweł Stykowski


‘Mr Stykowski has excellent knowledge about insurance.’

Key clients

Laven S.A.

Polish Insurance Association

Sompo International


Generali T.U. S.A.

Further Underwriting

Work highlights

  • Advised Laven S.A. on a distribution model and contracts with key partners as well as the wording of general terms & conditions of insurance and all the necessary forms.
  • Advised the Polish Insurance Association on drafting a legal opinion on the legitimacy of allegations of the Financial Ombudsman against a number of insurance companies regarding the use of unfair market practices in relation to OD insurance.
  • Advised Further Underwriting on the implementation of guidelines on cloud computing issued by the Financial Supervision Authority.

Budzowska, Fiutowski & Partnerzy - Radcowie Prawni

Jolanta Budzowska, who is praised as an 'exceptional lawyer', leads the practice at Budzowska, Fiutowski & Partnerzy - Radcowie Prawni, a Kraków- based boutique firm which specialises in acting for claimants in personal injury and medical negligence cases. The group is also adept at handling cross-border mandates. Karolina Kolary is a key name with expertise in the courtroom whilst newly promoted partner Michał Krzanowski specialises in medical negligence cases, especially involving childbirth, aviation accidents and product liability cases.

Practice head(s):

Jolanta Budzowska


‘Highly professional team with competent, tactful, supportive, empathetic and knowledgeable people equipped with essential interpersonal skills and profound, extensive professional knowledge of all the legal aspects necessary for effective legal performance in the field of insurance.’

‘Excellent interpersonal skills, ability to inform the client about all the crucial legal aspects in an effective, professional, yet simple and understandable manner while maintaining at the same time the right balance in focus on both factual and emotional aspects of the case; I’m particularly impressed by and grateful to Mrs Karolina Kolary who was directly assigned to my case.’

‘The law firm’s employees have extensive legal knowledge. They know the procedures for the day-to-day operation of hospitals, clinics, etc. Employees conscientiously perform their duties and the law firm has a well-coordinated team at every possible stage of the case.’

‘The law firm’s employees perform their work with passion and full commitment, guided primarily by the highest ethical standards, professionalism of the services provided and the principle of providing clients with full comfort in achieving their goals. They approach each case individually, developing a unique method in relation to each client, while maintaining the principle of confidentiality, reliability and full trust.’

‘Caring for the client’s interest, availability, high personal culture and communication skills of attorney Michał Krzanowski influenced the high level of our cooperation. The vast knowledge in the field of medical law was a huge advantage in our case.’

‘I admire Jolanta Budzowska for her expertise in personal injury cases. Those cases deserve a great case management, knowledge and attention to detail. She masters all that. She is always open to challenges.’

‘I think that the partner, Jolanta Budzowska, is an exceptional lawyer among other lawyers in Poland. She is not only a clever person and an experienced lawyer, but also she helps many charities.’

‘Jolanta Budzowska and Michal Krzanowski are both very technically able, address issues with the utmost professionalism and provide reliable advice.’

Work highlights

  • Represented a client in obtaining almost PLN2m for a family of a girl who was seriously injured during her birth.
  • Acted for a client who is quadriplegic due to a misdiagnosis in securing PLN2.5m.
  • Represented a client successfully in receiving PLN100.000 compensation for a violation of the rights of a patient whose stomach cancer was not detected during numerous visits to a commercial healthcare facility.

Clifford Chance

Corporate lawyer Marcin Bartnicki and Marta Bieniada co-lead the insurance practice at Clifford Chance; Bieniada has expertise in advising international banking and insurance clients on regulatory issues. The team is adept at handling cross-border M&A transactions, group restructuring, strategic projects and regulatory proceedings. The group is also increasingly active in warranty and indemnity matters.

Practice head(s):

Marcin BartnickiMarta Bieniada


‘The legal services provided by the lawyers meets the highest standards of our group. Understanding the client’s needs and grasping the key issues necessary to clarify a legal issue and resolve problems is highly valued by us. This is supported by the simple fact that we have been working together for many years in many complex cases, often involving interdisciplinary work.’

‘The team also conducts excellent insurance sector meetings with many very interesting legal issues, workshops or conferences on current legal problems and major changes in the law.’

Key clients


Three Seas Initiative Investment Fund

Work highlights

  • Advised AXA on the signing of the EUR 1bn agreement with the UNIQA Insurance Group under which AXA sold 100% of its Life & Savings, Property & Casualty and Pension businesses in Poland, the Czech Republic and Slovakia.

Deloitte Legal, Ostrowski, Gizicki i Wspólnicy sp.k.

Deloitte Legal, Ostrowski, Gizicki i Wspólnicy sp.k. focuses on advising its clients on their daily operations, system-related projects, reorganisation projects and projects related to the expansion of businesses and their establishment in Poland. The practice can also draw upon the expertise of its actuaries, tax advisors specialising in insurance and auditors. Łukasz Szymański is head of the group with skills in regulatory matters.

Practice head(s):

Łukasz Szymański

Other key lawyers:

Magdalena Jaczewska


‘Support of Łukasz Szymański was very professional and tailored his advice to my company.’

‘The team has good business orientation and knowledge of the client’s business.’

‘ I can thoroughly recommend Łukasz Szymański as a very hard-working and client-oriented lawyer. He has great experience and expertise regarding both regulatory and transactional issues and can offer superb quality to the clients.’

Key clients

TU Inter Polska S.A.

Alphabet Polska Fleet Management sp. z o.o.

Intesa Sanpaolo Assicura S.p.A.

Work highlights

  • Provided TU Inter Polska S.A. with legal and tax analysis from an insurance regulatory angle regarding an innovative marketing campaign addressed to one segment of its clients.
  • Provided Intesa Sanpaolo Assicura S.p.A. with legal advice regarding operating in Poland under the rule of freedom of services, including i.a. detailed analysis regarding obligatory costs and membership in funds and organisations, contribution to the Financial Services Ombudsman costs etc.
  • Assisted Alphabet Polska Fleet Management sp. z o.o. with ongoing legal advice regarding third-party vehicle liability cases concerning incidents with foreign (non-Polish) vehicles and claims handling towards non-Polish insurers/ Polish Motor Insurers’ Bureau.

Domanski Zakrzewski Palinka

Domanski Zakrzewski Palinka advises insurers, insurance brokers, policy holders and public bodies across the manufacturing, construction, financial services and commerce sectors. The group assists with policies, coverage issues and litigation, as well as  D&O insurance, product liability and property insurance claims regarding claimant litigation. Head of the group Julita Zimoch-Tuchołka is supported by senior associate Joanna Schubel.

Practice head(s):

Julita Zimoch-Tuchołka

Other key lawyers:

Joanna Schubel


‘Very professional and client-oriented staff keeping the clients up-to-date with current legal changes.’

‘Joanna Schubel is very professional in all legal areas, keeping to the deadlines.’

‘Wide scope of topics which can be covered. Stable team which helps to “learn” about the customer and their potential needs. Clear answers and guidelines are provided.’

‘Fast response rate and on-going contact during the case which helps to keep the issue under control. Also, good cooperation and quite often proposing alternative solutions.’

Key clients




Tokio Marine HCC


The Ministry of Development Funds and Regional Policy and the City of Kraków

Ergo Pro Sp. Z o.o.

Volkswagen Financial Services

NSK Steering Systems Europe(Polska) Sp.z o.o.

PGNiG Obrót Detaliczny

YIT Polska

Citibank Europe



Integler S.A.

WKI Isoliertechnik



Bouygues Immobilier Poland



Golden Media Polska

Work highlights

  • Advising The Ministry of Development Funds and Regional Policy on the implementation of an insurance programme in a Public Partnership Project regarding speed tramway system in Cracow.
  • Advising YIT on the insurance aspects of diverse building projects in Poland.
  • Supported Ergo Pro Sp. Z o.o. with regards to launching a new insurance product, Ergo4 and with regards to the implementation of new disclosure duties under the EU Sustainable Finance Disclosure Regulation.