Insurance in Poland

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

The team at CMS Cameron McKenna Nabarro Olswang Pośniak i Bejm sp.k. is praised by clients for its 'proactive and intuitive approach' to insurance, with 'excellent knowledge of insurance market and regulatory requirements'. The group handles the spectrum of contentious and non-contentious issues; able to draw on substantial experience working with the Polish regulator. In addition to advising on insurance policies, lawyers are also experienced in advising insurance companies on consumer protection issues. The financial services and institutions department is led by 'fully dedicatedEwa Świderska, who is supported by the head of the dispute resolution department Małgorzata Surdek for insurance-related disputes. Senior associate Adam Jodkowski is building a solid foundation in insurance defending insurance claims for financial institutional clients.

Practice head(s):

Ewa Świderska

Other key lawyers:

Małgorzata Surdek; Adam Jodkowski; Sylwia Raszplewicz-Czyżewska; Marta Szwarczyńska


Deep understanding of client needs, curious, searching for non-standard solutions.’

Excellent knowledge of the insurance market and regulatory requirements. In my opinion, the team is capable to deal with unique cases that are impossible to handle for others.

Each time we have a chance to cooperate the team is fully prepared with an outstanding research of the case background.

I work mostly with Ewa Świderska who is fully dedicated to the case each time we have a change to cooperate. Ewa understands business requirements and has a wide legal knowledge.’

Services received reflected a proactive, intuitive approach with a strong focus on task completion under time pressure.’

Key clients





Credit Agricole


Liberty Group




Volkswagen Financial Services


PIB Group Limited

Bank Millennium


Getin Noble Bank

Grupa Azoty Polyolefins

Work highlights

  • Assisted the Generali group with the merger of a Generali Polish life company with a Concordia life company, and the first successful transformation of a mutual insurance company Concordia Non-Life into a joint-stock company.
  • Defended AXA Life in a class-action against claims made by policyholders of life insurance-based investment products in relation to surrender charges, and AXA Non-Life in cross-border third-party liability claims related to the market recall of defective products.
  • Advised AWP P&C on a wide spectrum of issues relating to the insolvency of Neckermann (tour operator, belonging to the Thomas Cook Group) to whom AWP P&C issued an insurance guarantee securing the performance of the tour operator obligations towards clients.

DLA Piper

Clients value 'the exceptional clarity of legal advice' on offer at DLA Piper; where lawyers have 'the capability to combine market specificities with Polish and European insurance regulations'. The group in Warsaw excels in advising on the regulatory aspects of insurance company operations (governance and compliance issues being a strength) as well as assisting with corporate transactions in the sector. On the contentious front, team members are often instructed by insurance companies before the courts, the Polish financial supervision authorities and the competition and consumer protection office. Owing to its international network, it is well placed to advise on cross-border insurance activity, including in relation to issues arising from Brexit. Heading the team is counsel Beata Mrozowska-Bartkiewicz, who is entirely focused on insurance law. Senior associate Dominika Wolf-Jezierska is another active practitioner, leveraging her advocacy skills for insurance companies in regulatory matters and in insurance disputes.

Practice head(s):

Beata Mrozowska-Bartkiewicz

Other key lawyers:

Dominika Wolf-Jezierska


Unique experience and exceptional knowledge.

I highly appreciate the professional expertise provided by the team. They are also reliable, creative and communicative. The clarity of their legal advice is exceptional.

Beata Mrozowska-Bartkiewicz is very professional and highly skilled. Her knowledge of insurance legal matters is exceptional. I appreciate her approach to the needs of the client and eagerness to discuss and explain any particular issue related to the given problem.

Dominika Wolf-Jezierska knows the laws and regulations very well and is able to use them appropriately even in complex and non-obvious cases.’

They have the knowledge and experience necessary to represent insurance companies in complex matters, they can accurately combine knowledge from various areas in order to provide personalized advice.’

Broad and deep knowledge of the Polish insurance market is a great strength of the DLA Piper office in Warsaw. What is more, they have the capability to combine market specificities with Polish and European insurance regulations.

Key clients

PZU Group

Generali Group




PKO Ubezpieczenia


Open Life



Polska Izba Ubezpieczeń (Polish Insurance Chamber)

Ubezpieczeniowy Fundusz Gwarancyjny

Zavarovalnica Triglav

American Agricultural Insurance Company (AAIC)

Partner Reinsurance Europe SE



Sompo International Holdings

Euclid Transactional UK

Work highlights

  • Acted for TUZ TUW in proceedings carried out by the Office of Competition and Consumer Protection concerning an alleged violation of collective consumer interests by offering compulsory TPL motor vehicle insurance.

Hogan Lovells (Warszawa) LLP

At Hogan Lovells (Warszawa) LLP, the team acts for insurance companies in disputes, as well as advising on distribution projects, policies and transactions. Clients appreciate the team's regulatory knowledge and familiarity with the Polish FSA, which enables them 'to navigate the difficult local regulatory environment'. The department is led by Beata Balas-Noszczyk, '"the" expert in the insurance field', who was involved in drafting the Polish Insurance Activity Act. Counsel Bartosz Romanowski focuses on advising insurance companies on the day-to-day aspects of their activities, particularly in relation to regulatory compliance. Senior associate Karol Ruszkowski is developing a practice advising on the legal aspects of cooperation between insurers and banks. All lawyers mentioned have significant experience in proceedings before the Polish regulators.

Practice head(s):

Beata Balas-Noszczyk

Other key lawyers:

Bartosz Romanowski; Karol Ruszkowski


Hogan Lovells Warsaw is probably the best legal practice that we worked with from all countries. Hogan Lovells Warsaw are extremely knowledgeable, professional and they care about their clients. The quality of the work delivered is exceptional and they understand very quickly what the client needs. They are very friendly and welcoming.’

Lawyers from Hogan Lovells are extremely flexible, hard-working and have a problem-solving approach. Those are key features that make them unique on the market. I could always count on their recommendation to solve any problem, not only legal but business-related, that occur during the project.’

We collaborated mainly with Beata Balas-Noszczyk, “the” expert in the insurance field, able to come up with quick solutions for any point raised, business oriented, strong leader, always positive and inspiring

Very creative, they are looking for new legal interpretations, the new arguments challenging existing interpretations, more than to keen to listen to what a customer expects.’

The knowledge and understanding of the regulators and Polish FSA makes them able to navigate in a more difficult environment than most of the other countries in EU. Beata Balas-Noszczyk is the best lawyer within the life insurance and pension fund business.’

Key clients

Aviva Group

mFinanse S.A.

mBank S.A.

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 Lloyd’s on its insurance distribution model, as well as its assisting its Polish local subsidiary with its day-to-day business.
  • Advising NN Towarzystwo Ubezpieczeń na Życie on all relevant aspects of its insurance activity.
  • Advising Aviva Groupon day-to-day legal advice concerning regulatory issues.

WKB Wiercinski, Kwiecinski, Baehr

WKB Wiercinski, Kwiecinski, Baehr's team advises Polish and foreign insurance companies and brokers on regulatory compliance, and represents them in proceedings before the Polish consumer and financial regulators, as well as in insurance claims. An area of specific expertise is work relating to the implementation of employment capital plans organised in the form of insurance capital funds. Department co-head Jakub Pokrzywniak, 'one of the most recognisable and experienced insurance lawyers on the market', has a respected advisory practice, assisting with insurance policy issues, as well as representing clients in complex claims. Leading the practice alongside Pokrzwniak is litigation and arbitration specialist Tomasz Kwieciński, who handles insurance-related dispute resolution and consumer protection issues. Attorney-at-law Marek Prętki is an expert in non-life insurance and associated regulatory issues.

Practice head(s):

Jakub Pokrzywniak; Tomasz Kwieciński

Other key lawyers:

Marek Prętki


Huge experience of the team members and involvement in each case they handle; capability to react immediately to the clients’ needs and expectations.

WKB and its lawyers are always deeply engaged in the problem presented by clients. Their opinions are very professional from the law perspective but also business oriented.’

The speed and precision of the legal opinions prepared, which allows them to be used in the daily conduct of cases. Reference to everyday practice in the insurance and reinsurance market.’

Jakub Pokrzywniak is one of the most recognizable and experienced insurance lawyers on the market and that position is fully deserved by his achievements. He is able to provide proper advice focusing on the client’s needs, tailored to its situation and presenting a broad perspective which allows the client to choose the best solution.’

Jakub Pokrzywniak is not only a university professor, but also a great advisor with extraordinary knowledge of the market practice. Working with him is a pleasure.’

Key clients

Towarzystwo Ubezpieczeń i Reasekuracji Warta SA (Talanx Group)

UNIQA TU S.A. / UNIQA T U na Życie S.A.

Chubb European Group SE Branch in Poland

Polska Izba Ubezpieczeń (Polish Insurance Association)

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 SA

Nord Partner sp. zo.o.

Link4 Towarzystwo Ubezpieczeń S.A.

Korporacja Ubezpieczeń Kredytów Eksportowych S.A.

Generali Towarzystwo Ubezpieczeń S.A.

Towarzystwo Ubezpieczeń na Życie Europa S.A.

Baloise Vie Luxemburg S.A.

PKO Leasing S.A

Siemens Finance Sp. Z o.o.

Work highlights

  • Successfully represented PZU in a PLN56m case against the President of the Office for Competition and Consumer Protection before the Supreme Court.
  • Defending Talanx Group before the Supreme Court in a dispute over cash stolen in a transit from the bank to ATMs.

Baker McKenzie Krzyżowski i Wspólnicy Sp.k.

The insurance group at Baker & McKenzie Krzyżowski i Wspólnicy Spółka Komandytowa is best known for representing insurance company clients in insurance and reinsurance disputes, however lawyers also have an active advisory practice that consists of policy drafting, corporate and regulatory compliance issues. Jointly leading the department are 'extraordinary lawyerSebastian Pabian, a specialist in insurance litigation and regulatory disputes; Paweł Wajda, who handles regulatory compliance issues; and Ireneusz Stolarski, who is also head of the banking and finance group, specialising in insurance issues connected with the banking sector.

Practice head(s):

Ireneusz Stolarski; Sebastian Pabian; Paweł Wajda


The team consists of lawyers that are highly experienced in insurance law giving high-quality advice and legal help. What is more, this team shares its legal and regulatory ideas not only when working with us but also on a business development level.’

Paweł Wajda’s insurance market experience is very deep and makes the difference. His excellent legal advice provided us with very important solutions for all business issues.

Sebastian Pabian is an extraordinary lawyer – very helpful and very skilled, with in-depth knowledge of the industry.

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

Key clients

Polska Izba Ubezpieczeń (the Polish Insurance Association)

Vienna Life TU na Życie S.A. (Vienna Insurance Group)

Meiji Yasuda

InterRisk Towarzystwo Ubezpieczeń S.A. (Vienna Insurance Group)

Wiener (Vienna Insurance Group)

Compensa (Vienna Insurance Group)

Link4 (PZU Group)

TUiR Warta S.A.; TUnŻ Warta S.A.

Generali S.A.

TUiR Allianz Polska S.A.

PFR Ventures Sp. z o.o.

Colonnade Insurance S.A. Branch in Poland

AIG Europe S.A.

Work highlights

  • Represented TUiR Allianz Polska, Colonnade Insurance’s branch in Poland and AIG Europe 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, Generaliand TUiR Allianz Polska 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

Insurance law is a core competency for CZUBLUN TREBICKI Law Office Professional Partnership, which under the co-stewardship of founding partner Piotr Czublun has developed a strong reputation for regulatory projects. Agnieszka Wesołowska leads the practice alongside Czublun, and is regularly instructed by foreign insurance groups on their operations in Poland, including the establishment of subsidiaries. On the contentious front, lawyers are experienced in proceedings before the Polish regulators, including the financial supervision authority.

Practice head(s):

Piotr Czublun; Agnieszka Wesołowska


Each time we have a chance to cooperate the team is fully prepared with an outstanding research of case background.

Reliable partner for many years, flexible, experienced, open for innovations, proposing innovative solutions.’

Piotr Czublun represents unique problem solving methods and I find cooperating with him very pleasant.’

Mr. Czublun has a in depth knowledge and experience in all the insurance related matters.’

Excellent knowledge of insurance market and regulatory requirements. In my opinion the team is capable to deal with unique cases that are impossible to handle for others.’

Key clients

VFS Finance France

Volvo Financial Services GmbH

HanseMerkur Reiseversicherung AG

Alior Leasing Sp. z o.o.

Toyota Insurance Management SE Branch in Poland

Vienna Life TU na Życie S.A. Vienna Insurance Group

Arval Service Lease Polska Sp. z o.o.

AXA Życie TU S.A.

UNIQA Towarzystwo Ubezpieczeń S.A.

MAK Ubezpieczenia Sp. z o. o.

Work highlights

  • Represented a leading Polish insurance broker in supervisory control proceedings brought by the Polish financial supervision authority, and the implementation of post-control actions.
  • Assisted a European insurance company, FOS, with an audit of its insurance documentation and distribution model as applied to the Polish market.
  • Advised the Polish subsidiary of of global insurance group on its life-and non-life insurance operations, including regulatory compliance, as well as data protection issues.

DWF Poland Jamka Sp.k

The insurance team at DWF Poland Jamka Sp.k was established following the arrival of Paweł Stykowski from Eversheds Sutherland Poland; he was joined by Anna Wietrzyńska-Ciołkowska (formerly DLA Piper) in May 2020. The group is developing a reputation for advising insurance companies and distributors on regulatory projects, as well as handling insurance litigation and individual insurance claims. Stykowski, is able to draw on considerable experience, including being involved in advising the Polish FSA on the implementation of insurance regulations. Wietrzyńska-Ciołkowska is a corporate lawyer with a focus on transactions and regulatory issues in the insurance sector, particularly concerning warranty and indemnity insurers.

Practice head(s):

Paweł Stykowski

Other key lawyers:

Anna Wietrzyńska-Ciołkowska


They have the knowledge and experience necessary to represent insurance companies in complex matters.’

Anna Wietrzyńska-Ciołkiewicz is a very experienced and highly qualified lawyer.’

Paweł Stykowski is extraordinary, very helpful and provides in-depth knowledge of insurance law.’

Key clients

Polska Izba Ubezpieczeń

Work highlights

  • Advised Polska Izba Ubezpieczeń on its third-party liability and unit-linked life insurance policies.

Budzowska, Fiutowski & Partnerzy - Radcowie Prawni

Budzowska, Fiutowski & Partnerzy - Radcowie Prawni is a personal injury and medical negligence boutique based in Kraków. Lawyers predominantly represent claimants against insurers, including in cross-border cases, but they also have experience on the insurer side. The team is led by founding partner Jolanta BudzowskaKarolina Kolary is another core member of the team with significant courtroom experience. Senior associate Michał Krzanowski has an increasingly active medical negligence practice, with a specialism in childbirth and product liablilty cases.

Clifford Chance

The team at Clifford Chance stands out for assisting insurance-sector clients with big-ticket cross-border M&A transactions, group restructurings and strategic projects, drawing on the firm's multijurisdictional presence. It is also regularly involved in regulatory proceedings resulting from M&A transactions, as well as advising policyholders on W&I insurance. Co-heading the practice group are corporate lawyer Marcin Bartnicki and financial services regulatory expert Marta Bieniada, who one clients notes 'always looks for the best and the most appropriate solutions for what we can do and what's good for our business'.

Practice head(s):

Marcin Bartnicki; Marta Bieniada


The team consists of lawyers that are experienced in insurance law giving high-quality advice and legal help. What is more, this team shares its legal and regulatory ideas not only when working with us but also on a business development level.

The team at Clifford Chance looks at the regulatory and legal challenges in our insurance industry from a highly interesting perspective. The lawyers there are open to adopting our views, which makes the cooperation with Clifford Chance profoundly helpful.

Marta Bieniada always looks for the best and the most appropriate solutions for what we can do and what’s good for our business. We value the most Marta Bieniada’s team commitment and open-minded approach to all important legal and business issues as well.

Key clients


Neon Underwriting Limited

Euler Hermes

Allied World Assurance Company



Prudential Financial, Inc.

Work highlights

  • Advised Axa Group on its €1bn agreement with Uniqa Insurance Group, under which AXA sold 100% of its life and savings, property and casualty and pensions businesses in Poland, Czechia and Slovakia.
  • Advised Macquarie Infrastructure and Real Assets on W&I insurance on the sale of its shares in DCT Gdansk to PSA International, the Polish Development Fund and IFM Global Infrastructure Fund.

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

The insurance law practice at Deloitte Legal, Ostrowski, Gizicki i Wspólnicy sp.k. is geared to advising on the daily operations of insurance companies, as well as assisting with issues arising from cooperation agreements between the companies, reorganisation projects and the establishment of insurance businesses in Poland. The group benefits greatly from Deloitte's consultancy practice, enabling it to draw on actuaries, insurance-focused tax advisers and auditors. Heading the team is insurance regulatory expert Łukasz Szymański.

Practice head(s):

Łukasz Szymański


Łukasz Szymański is very helpful and provides great assistance.’

Key clients

Mercedes-Benz Leasing sp. z o.o.

Alphabet Fleet Management sp. z o.o.


Work highlights

  • Assisted TUW PZUW with a project involving legal, accounting and actuarial advice to a mutual insurer which aimed to establish an effective settlement model in a reciprocal manner.

Domanski Zakrzewski Palinka

Domanski Zakrzewski Palinka's 'strong' insurance team is oriented towards policyholders, with a notable focus on construction companies, which it advises on policies, coverage issues and litigation. Claimant-side contentious expertise includes D&O insurance, product liability and property insurance claims. The department is led by Julita Zimoch-Tuchołka who together with senior associate Joanna Schubel is praised for being 'responsive and giving clear, commercial advice in the specialist product recall and liability field.'

Practice head(s):

Julita Zimoch-Tuchołka

Other key lawyers:

Joanna Schubel


International in outlook; understand the insurance market; good value for money.’

Pro-customer attitude, openness to comments, high professionalism.’

All legal issues in our company are dealt with professionally.’

Strong insurance firm, very quickly and very responsive. Good knowledge of the English and German language.’

I have worked with Julita Zimoch-Tulcholka, ably assisted by Joanna Schubel. They are responsive and give clear, commercial advice in the specialist product recall and liability field. They also speak excellent English and inspire trust and confidence.’

Key clients






The Ministry of Development Funds and Regional Policy (previously: Ministry of Investment and Development) 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.

Work highlights

  • Advised GAZ-System on the insurance programme for its Baltic Pipe project, including reviewing and commenting on draft policies for the construction and supply contracts and reviewing the conformity of the policies with contractual and jurisdictional requirements.
  • Advised EY on the implementation of a life insurance programme for its partners and employees.
  • Advised the Ministry of Development Funds and Regional Policy and the City of Krakow on insurance issues relating to the PPP construction of the city’s tramway.