Insurance in Poland

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

The standalone insurance group at CMS is led by counsel Ewa Świderska, and covers all areas of insurance law. The team's clients include insurers, banks, investment and pension funds, as well as companies with insurance programmes, re-insurers and insurance intermediaries. An area of particular expertise is insurance claims and disputes, but it also handles non-contentious issues in relation to insurance products and corporate transactions in the insurance sector. Małgorzata Surdek is a name to note with regulatory and licensing expertise, which she applies regularly in relation to the establishment of insurance businesses in Poland.

Practice head(s):

Ewa Świderska


One of their biggest assets is exceptional quality of advice and the commitment of their lawyers to meet the needs of their clients.

Very good knowledge in insurance regulations and business.

Ewa Świderska has exceptional knowledge and a commitment to work on the best solutions.

Key clients





Unum Group

Volkswagen Financial Services


Work highlights

  • Assisted Generali group with acquiring majority stakes of shares in two – life and non-life – Concordia insurance undertakings belonging to the German Concordia insurance group.
  • Advising AIG on regulatory Polish issues associated with the internal reorganisation of AIG’s European business due to Brexit planning. Also provide comprehensive day-to-day legal support related to the reorganisation going forward.
  • Acting for Volkswagen on a new model of distance selling.

DLA Piper

DLA Piper's team provides regulatory, corporate, tax and litigation support to domestic and international insurance companies, and their intermediaries. On the regulatory front, the group assists with the establishment and day-to-day running of insurance companies, as well as with governance and compliance issues. In terms of contentious work, the group represents clients in proceedings before the Polish Financial Supervision Authority. Transactional services include advising on insurance company M&A, reorganisations and insurance portfolio transfers. The department is led by counsel Beata Mrozowska-Bartkiewicz who is, concurrently, a member of the European Supervisory Authority board of appeal. Counsel Senior associate Dominika Wolf-Jezierska is an expert in insurance regulatory issues and contentious cases.

Practice head(s):

Beata Mrozowska-Bartkiewicz


Very good knowledge in insurance regulations and business.

Great competence, open to react quickly whenever needed.

It has one of the top insurance law teams on the market. Members of its team have broad experience as in-house lawyers as well as external advisors. They have participated in many insurance transactions on the market and have demonstrated top quality.

Key clients


Towarzystwo Ubezpieczeń INTER Polska

Towarzystwo Ubezpieczeń INTER-ŻYCIE Polska

Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie

TUiR Allianz

TU Allianz Życie Polska

Powszechny Zakład Ubezpieczeń

Generali Group

AXA Życie Towarzystwo ubezpieczeń

Pocztowe Towarzystwo Ubezpieczeń Wzajemnych

PKO Życie Towarzystwo Ubezpieczeń

Open Life Towarzystwo Ubezpieczeń Życie

Towarzystwo Ubezpieczeń Wzajemnych TUZ

Powszechny Zakład Ubezpieczeń na Życie

Powszechny Zakład Ubezpieczeń

Concordia Versicherung Holding

TU Europa

Open Life


Ubezpieczeniowy Fundusz Gwarancyjny

Polska Izba Ubezpieczeń

Concordia Polska Towarzystwo Ubezpieczeń Wzajemnych

Vienna Life TU na Życie

Ceska Pojistovna

Colonnade Insurance

RGA International Reinsurance Company

ALD Automotive Polska

ADAC Rechtsschutz Versicherungs

DARAG Deutsche Versicherungs- und Rückversicherungs

Work highlights

  • Advised Concordia Versicherung Holding on the sale of Concordia Polska Towarzystwo Ubezpieczeń Wzajemnych and Wielkopolskie Towarzystwo Ubezpieczeń Życiowych i Rentowych Concordia Capital  to companies of the Generali Group.
  • Provided comprehensive advice to Ceska Pojistovna on the voluntary liquidation of the Polish branch (Proama) of the Czech insurer under the new legal regime regulating the operations of foreign entrepreneurs in Poland.

Hogan Lovells (Warszawa) LLP

At Hogan Lovells (Warszawa) LLP, insurance work is led from the financial institutions group, which advises companies operating in the insurance industry on matters including the establishment of operations in Poland, new insurance products and distribution systems, as well as financing, outsourcing, M&A and reorganisations. Beata Balas-Noszczyk takes the lead and has extensive regulatory expertise. Senior associate Karol Ruszkowski has expertise in the legal aspects of cooperation between banks and insurance companies.

Practice head(s):

Beata Balas-Noszczyk


The team offers a high quality of service, including not only appropriate legal advice and in-depth analysis on various legal issues, but also deep industry knowledge.

Beata Balas-Noszczyk displays a high quality legal expertise, combined with the extended understanding of business issues. At the same time, she is a very responsive, communicative person with a positive attitude that is really valued by our employees that cooperate with her directly.

Excellent expertise in insurance law, especially compliance and supervisory and regulatory matters.

Key clients

Aviva Group



Credit Agricole Group

Generali Group

NN Group

CACI Life dac, CACI Non-Life dac

Lloyd’s Group

Gothaer Group

Polish Insurance Association

Work highlights

  • Advising on mBank’s sale of shares of Latona, an insurance agent.
  • Acting for the Aviva Group on regulatory issues and providing day-to-day legal advice.
  • Advising mBank on the implementation of a new insurance distribution model.

WKB Wiercinski, Kwiecinski, Baehr

WKB Wiercinski, Kwiecinski, Baehr is instructed by Polish and international insurance companies, as well as brokers and distributors. The group, jointly led by Tomasz Kwieciński and Jakub Pokrzywniak, has a strong contentious practice, representing clients in numerous insurance-related proceedings before the Polish courts. It also advises on the implementation of new regulations, as well as localising insurance policies for foreign insurance companies. Other areas where the group stands out are matters that intersect with competition and consumer law.


The level of service they provide fully meets our expectations as any request to them has been responded to (i) in a timely manner and (ii) with the expected expertise, appropriateness of advice, strength-in-depth of team and value for money.

A strong theoretical foundation.

Dedication and a business approach.

Key clients

Towarzystwo Ubezpieczeń i Reasekuracji Warta

Chubb European Group SE

Chubb European Group SE Direktion für Deutschland

Towarzystwo Ubezpieczeń i Reasekuracji Allianz Polska

Link4 Towarzystwo Ubezpieczeń

Nord Partner

Powszechny Zakład Ubezpieczeń

Polish Chamber of Insurance and Reinsurance Brokers

Korporacja Ubezpieczeń Kredytów Eksportowych

Generali Towarzystwo Ubezpieczeń

Towarzystwo Ubezpieczeń na Życie Europa

Baloise Vie Luxemburg

Polskie Towarzystwo Reasekuracji

Polish Insurance Association


PKO Leasing

Odyssey Group Holdings

Work highlights

  • Defending the insurer Towarzystwo Ubezpieczeń i Reasekuracji Warta against a security company, in a case arising from cargo and third-party liability insurance claims following the loss of over PLN7m it was transporting to bank ATMs.
  • Advised LINK4 Towarzystwo Ubezpieczeń  on cross-border liability for road accidents.
  • Assisting Chubb European Group SE Spółka Europejska Branch in Poland with a project aimed at localising insurance policies for the Polish market.

Baker & McKenzie Krzyżowski i Wspólnicy Spółka Komandytowa

Baker & McKenzie Krzyżowski i Wspólnicy Spółka Komandytowa's team has experience of all aspects of insurance law, handling insurance and reinsurance claims, policy drafting and regulatory issues. It also advises insurance-sector clients on corporate, M&A and compliance issues. The group is jointly headed by regulatory expert Paweł Wajda, whose practice also spans constitutional and EU law issues, and insurance litigation and regulatory disputes specialist Sebastian Pabian.

Practice head(s):

Sebastian Pabian; Paweł Wajda


The team supports insurance companies in the most complicated and strategic matters. They know the business and the law.

Sebastian Pabian is a top specialist, who knows and understands business.

Understanding the problems of the industry resulting not only from legal regulations but also having a wider social context. Excellent ability to cooperate and present the industry’s arguments in relation with the supervisory body. Creativity in the search for new legislative solutions.

Key clients

Polish Insurance Association

Vienna Insurance Group

Colonnade Insurance Branch in Poland

Chubb European Group SE Branch in Poland

Meiji Yasuda

Towarzystwo Ubezpieczeń I Reaskuracji Warta


Work highlights

  • Advised Polska Izba Ubezpieczeń on the process of developing and implementing legislative solutions relating to determine the quantum of compensation awarded for pain and suffering by the Polish courts.
  • Represented Vienna Life TU na Życie in proceedings before the Supreme Court regarding the limitation period that should be applicable to claims resulting from unit-linked insurance polices.
  • 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 strong insurance-related offering, which is primarily oriented to regulatory issues, the establishment of insurance operations in Poland and matters relating to new insurance products. Industry specialist Piotr Czublun, a member of the working group of the financial market development council at the Polish Ministry of Finance, jointly leads the department alongside Agnieszka Wesołowska, who is a specialist in EU-wide and Polish insurance regulation.

Key clients



MAK Group

Vereinigte Hagelversicherung

Compensa TU

Toyota Insurance Management SE

Arval Service Lease Polska


Grupa Inter Polska

Volvo Financial Services

Work highlights

  • Assisted an insurance company with an audit of its insurance distribution models and documentation, with a recommendation of necessary IDD requirements to be introduced in the company.
  • Preparing training materials for a Polish bank, for persons performing agency activities within bank-assurance distribution models, in compliance with the Act on insurance distribution.
  • Assisted Vereinigte Hagelversicherung  with the establishment of a branch in Poland, with advice on insurance and distribution model regulations.

Clifford Chance

Clifford Chance is well placed to advise clients on the regulatory and M&A aspects of transactions relating to the insurance industry, as well as on restructuring matters. The group has also developed a strong practice for warranty and indemnity and title insurance, assisting a range of underwriters and brokers. Marcin Bartnicki, who is an experienced corporate lawyer, and counsel Marta Bieniada, who has significant expertise in insurance regulation, jointly head the team.

Practice head(s):

Marcin Bartnicki; Marta Bieniada

Key clients


Neon Underwriting

Euler Hermes

Allied World Assurance Company



Prudential Financial

Work highlights

  • Advised Prudential Financial on the sale of Pramerica Życie TUiR, an insurance company offering individual and group life assurance, to Unum, an employee benefits provider.
  • Acted for Macquarie Infrastructure and Real Assets on W&I Insurance on the sale of shares in DCT Gdańsk S.A. to PSA Internationa, the Polish Development Fund and the IFM Global Infrastructure Fund managed by IFM Investors.
  • Advised L’biotica on W&I Insurance concerning its exit from L’biotica, a cosmetics and dietary supplements distributor in northern Poland.


Led by Marcin Bartczak, the team at Dentons stands out for advising on regulatory matters. It is also strong on claims handling, loss adjustment and litigation, often drawing on the firm's litigation department. Other key areas of expertise include advising Polish and international insurance companies on transactions, negotiating insurance contracts for insured parties and risk management.

Practice head(s):

Marcin Bartczak


Openness to clients’ needs and always try to find solutions for complicated legal matters.

When co-operating on a long-term basis, they provide for additional legal training for our in-house team.

Domanski Zakrzewski Palinka

Domanski Zakrzewski Palinka stands out for services related to insurance contracts, including the amendment of policy documentation. It also handles insurance audits, as well as acting for corporate clients on claiming compensation and in disputes with insurers. Another area of expertise is transactions in the insurance sector, the development of new insurance products and regulatory compliance. With expertise in insurance law and cross-border insurance issues, Julita Zimoch-Tuchołka leads the team, which includes senior associate and insurance advisory specialist Joanna Schubel, who is noted for assisting German-speaking companies.

Practice head(s):

Julita Zimoch-Tuchołka


Competent, fast and direct in action.

A strategic thinking team.

Key clients




Festo & Co

Ergo Pro

Argo Global SE


NSK Steering Systems Europe

PGNiG Obrót Detaliczny

YIT Polska

Citibank Europe



Ergo Pro

Work highlights

  • Advised Credendo on new documentation for credit receivables.
  • Acted for Electrolux on a new insurance product, its distribution and on the drafting of the policy.
  • Represented HCC in a dispute regarding directors and officers liability insurance.