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.

Ph.D Adam H. Pustelnik

Vice-President of the Board Insurance and Reinsurance Broker


PWS Konstanta SA is one of the few brokerage companies in Poland, which since the beginning of its activity has also been licensed to conduct brokerage activities in the scope of reinsurance.

By combining the functions of an insurance and reinsurance broker we can provide our clients not only with an optimal insurance program, but also co-create or control the reinsurance program of insurance companies involved in risk assurance.

We are open and cooperate with practically all insurance companies operating on the Polish market. We offer our service mainly on the basis of facultative reinsurance, but we also co-create programs dedicated to niche products in the form of ‚facility’ or ‚lineslip’. We place property, liability, Bankers Blanket Bond, Computer Crime, Prize Indemnity or Works of Art Insurance risks, but we also take up new challenges and build various types of ‚facility’ – among others for the risks of terrorism, D&O, Cyber and Accident.

We cooperate directly with leading reinsurers from Germany, Switzerland, USA, Great Britain, but also with proven partners – brokers operating on other markets, such as London, Brussels, Germany, USA.

An important advantage of our company in the scope of reinsurance is that we are an independent company with Polish capital only. This allows us to shape cooperation with other reinsurance brokers in such a way as to provide our Clients with access to the best solutions from international markets. We have no capital ties with any foreign broker, which gives us full freedom and choice in shaping such cooperation.

Our reinsurance brokers have at least twenty years of experience in the placement and handling of reinsurance contracts.

Mariusz Badura


Joanna Miałkowska

Reinsurance Director