We are an insurance broker, i.e. an insurance intermediary independent of insurance companies, representing the interests of its client on the basis of the power of attorney granted.
The equality of entities concluding an insurance contract (client and insurance companies) is doubtful – the insurer is an expert in this field, and for the insured client it is only one of many areas of his professional activity. The role of a broker is to bring about real equality of parties.
What does the broker do?
It examines the insurance needs of its client, identifies insurance risks, gives recommendations on the most appropriate insurance contract or insurance bond agreement, and participates in the management and performance of insurance contracts (loss adjustment) and insurance bond agreements.
In the reality of today’s insurance market, providing professional brokerage services requires specialisation. Therefore, within our company there are thematic teams, focused on specific insurance and non-insurance issues.
The insurance teams established for particular groups of insurance risks are to provide professional advice both within the company and directly to our clients. Each of the brokers and our partners can count on specialist support from people who have access to the latest information about changes and knowledge about current trends in particular lines of insurance risks. The teams’ task is also to conduct trainings and presentations.
Examples: financial insurance team, team dedicated to life and health insurance, team dealing with health risks, team specialising in transport and car risks, team dealing with risks related to the furniture industry etc.
It’s worth mentioning that:
- Broker’s work – the performance of brokerage activities and the activity is supervised by the Polish Financial Supervision Authority.
- The client does not pay for the broker’s services because the broker receives remuneration from the insurance company with which his client concludes an insurance contract or insurance guarantee agreement,
- The broker does not sell insurance, but acts as an intermediary in the purchase of insurance by its clients.