Ladies and Gentlemen

A quarter of a century is the time that verifies, allows us to look back on whether we have kept our face or fulfilled our promises.

When choosing a name for our company, we reached for a Latin word that would best reflect our intentions and include everything that is of value to us. A lasting element in a changing reality. I hope that for twenty-five years we have managed to prove our loyalty to our values.

Working on a dynamically changing market in conditions of not always fair competition, we have implemented our plans. We have always put transparency and the interest of the client first, not in the short term but in the long term.

We tried to maintain full professionalism, we did not want to follow trends that would bring high profits in a short period of time, but would be burdened with high reputational risk. We did not create an agency, we did not introduce to our offer marketing tricks aimed at gaining the client and not bringing him benefits. The welfare of the client and our partners has always been more important to us than the Excel sheet showing doubtful economic data.

I believe that insurance should be one of the most conservative areas of our lives.

It’s not a financial service with the expected profit, it’s a service aimed at securing our clients’ achievements. We do not promise to make a profit, we promise to alleviate the ailments of events that take the assets away. The turmoil of today’s world, the apparent economics, the focus on speculation and profitability described by prominent economists is not our way.

I hope that the clients, who constitute our greatest value, with whom we have been associated for many years, and with some from the beginning of the company’s existence, can confirm that we have achieved our goals.

Slow, stable growth as far as possible, limiting natural human greed, maintaining honesty in contacts with both suppliers and recipients of insurance services have allowed the company to develop harmoniously throughout its existence.

Our partners, because this is how we treat our brokers, are a substantial and stable team that shares our values – honesty and integrity.

The development of the company has also allowed us to take initiatives in the social sphere, where we have actively engaged, to the best of our abilities, in social and cultural activities.

Among other things, we continue our long-standing cooperation with Collegium Civitas, we participate in the organization of the Bielska Zadymka Jazzowa festival, we cooperate in publishing books by such authors as Adam Zagajewski and Maja Komorowska, we help young visual arts and music artists without losing contact with our long-standing partner artist Jerzy Dmitruk.

I hope that the next twenty-five years will continue to be the best. This is the moment when I must thank all our employees, business partners and customers. We exist thanks to you and thanks to the understanding and acceptance of our business choices.

Jacek Kliszcz Chairman of the Board

Jacek Kliszcz



Mariusz Badura


Jacek Kliszcz


Roman Migdał


Tadeusz Kasiński


Andrzej Romański



The company’s share capital amounts to PLN 650,000 and is divided into 6,500 inscribed shares with a nominal value of PLN 100 each. The owners of the shares are 35 Polish individuals associated with the company, the capital is paid in full.


Appropriately selected personnel is one of the key elements of the company’s success. Therefore, during the selection process we put emphasis on professionalism, education and appropriate predispositions.

The company employs or cooperates exclusively with almost 80 insurance brokers, 5 of which hold a reinsurance license. Their professional knowledge of law, economics, technology, risk management, new technologies and other fields of science allows us to provide our Clients with security in shaping modern insurance policy.

The majority of the brokers’ staff have higher education and the average length of employment in the insurance sector exceeds 15 years. The company employs over 100 people in total.

Brokers of PWS Konstanta S.A. (J. Kliszcz, A. Rzepecki, K. Niżnikiewicz, P. Senecki, A. Michna, Adam Pustelnik, Jarosław Pieczko) have a number of publications in professional journals – Prawo Asekuracyjne, Miesięcznik Ubezpieczeniowy, Dziennik Ubezpieczeniowy, Polityka Zdrowotna, Home & Market, and others – as well as speeches at scientific conferences and training sessions at home and abroad (Weronika Chmielewska, Jacek Kliszcz, Iwona Frydryszek, Adam Pustelnik, Jarosław Pieczko).

The author of the chapter entitled „Added value of brokerage service” in the book „Insurance in enterprise risk management” is Jacek Kliszcz.

The author of chapters in the book „Healthy Ageing. White Book”, chapter: „Insurance market versus growing ageing problems”, Scholar Scientific Publishing House and „Health Insurance and benefit baskets. Review of Solutions”, CEESTAHC Publishing House is Adam Pustelnik.


The insurance and reinsurance brokers of PWS Konstanta S.A. have adopted the main principles of the Code of Professional Ethics and have undertaken to comply with them in their activities.


Our mission is to provide our customers with comprehensive insurance cover for their property and activities by selecting the most favourable conditions available on the insurance and reinsurance market. Guided by the principle that each client is equally important to us, we offer an individual approach to each of our partners.
In order to provide optimal solutions in the area of risk management, we constantly modernise and expand our offer of products and services in the scope of insurance and reinsurance, adapting it to new market requirements.
The essence of our activities is to gain trust and satisfaction of our clients through creativity, flexibility and openness to their changing needs.

Our history


Establishment of a consortium of brokers under the name of Konstanta Insurance in Bielsko-Biała with the participation of current shareholders of the company.


After the establishment of the company in December 1994, in April 1995 Konstanta RE Sp. z o.o. in Bielsko-Biała began its activity, after receiving permits from the Ministry of Finance to conduct brokerage insurance and reinsurance activities.


20 % of shares was acquired by the London-based reinsurance broker PWS International Ltd, the company was renamed to PWS Konstanta Sp. z o. o.


In May, we opened the first Regional Office in Katowice outside Bielsko-Biała, and after the capital increase the company was transformed into a joint stock company.


In April, the company’s capital was increased to PLN 500,000 through the issue of new shares, and in November the Regional Office in Kraków was opened.


The company continues to grow – Regional Offices in Bydgoszcz (February) and Warsaw (June) are established.


In response to the growing demand and market requirements, we have decided to implement a specialisation program in the company – we have established problem insurance teams as well as: legal, public procurement, loss adjustment and marketing teams.


The shares of PWS International Ltd are repurchased, which together with the new issue D series shares are taken up by the brokers cooperating with the company. In June 2006, The Chairman of the Management Board of PWS Konstanta SA Jacek Kliszcz is elected The Chairman of the Management Board of the Association of Polish Insurance and Reinsurance Brokers.


In May, the Regional Office in Rzeszów is opened.

The company is nominated for „The Best Partner in Business in 2007” award of the „Home & Market” magazine and takes 3rd place in the ranking for the best brokerage company operating on the Polish market according to the Institute of Economic Analyses in categories:

  • number of clients served,
  • the number of licensed brokers,
  • the amount of insurance premium written,
  • the amount of public liability insurance cover.


We are ranked the first (ex equo) in the ranking of insurance brokers operating in the Polish market by Global Broker & Underwriter from London. We are also ranked among „Gazelles of Business” – the most dynamically developing companies in 2007 (Puls Biznesu)

For our activity in 2008, „Home & Market” magazine awards us top positions in the ranking for the best brokerage company operating in the Polish market (in categories of the amount of insurance premium written and the amount of public liability insurance cover).


In May, the Regional Office in Opole was opened.

In October, PWS Konstanta S.A. became a partner of the London brokerage company Holman Smith Chapman & Partners LLP.


In October, the Company’s headquarters moved from 32 Stojałowskiego Street to new premises in Bielsko-Biała at 153 Warszawska Street.


The Chairman of the Company, Jacek Kliszcz became the Man of the Year of Insurance 2011. The award, for the 10th time, was granted by the „Gazeta Ubezpieczeniowa”.

The „Puls Biznesu” daily newspaper confirmed that PWS Konstanta SA belongs to the elite club of the Business Gazelles, a group of the most dynamically developing companies.

The Dun and Bradstreet Poland business intelligence agency awarded PWS Konstanta SA with the Certificate of Business Credibility.


The Chapter of the Honorary Award of the Economic Chamber of Insurance and Risk Management granted The Chairman Jacek Kliszcz the title of „INSURANCE MANAGER” for his contribution to the creation and development of the contemporary Polish insurance market with particular emphasis on the problems of insurance intermediation.

A new Representative Office was established in Szczecin.

The company was once again included in the Business Gazelles and received the Certificate of Business Credibility.


In September, PWS Konstanta S.A. received from TÜV NORD Polska Sp. z o. o. certificates of application of ISO 9001 and 27001 standards in the scope of insurance broker services.

The Chairman of the Management Board of PWS Konstanta S.A. Jacek Kliszcz has been appointed to the Program Council of ” Insurance News”.


On 8 May, the celebrations connected with the 20th anniversary of PWS Konstanta S.A. took place.


Poznań University of Economics grants PWS Konstanta S.A. a „Science Friendly” certificate.


On 26 September, PhD Adam H. Pustelnik was appointed Vice-President of the Management Board.


In November, the Company’s headquarters and Regional Office in Bielsko-Biała move to new premises in the office building of Grupa Kęty in Bielsko-Biała.


The insurance monthly magazine places PWS Konstanta S.A. in the ranking of brokers for 2018 in 7th place in terms of insurance premium placed and 10th place according to revenues.


The President of Bielsko-Biała, the Governor of Bielsko-Biała and the President of the Regional Chamber of Commerce and Industry awarded PWS Konstanta S.A. the title „Company of the Year”. Jacek Kliszcz received a special distinction „Patron of Culture”.