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Broker ubezpieczeniowy

Gestum Broker Sp. z o. o.

Jako doświadczony broker, mamy przyjemność zaoferować Państwu szeroki wachlarz produktów ubezpieczeniowych zapewniających bezpieczeństwo zarówno firm o różnym charakterze działalności, w tym elektrowni wiatrowych, farm fotowoltaicznych, wspólnot mieszkaniowych, jak i produktów kierowanych do jednostek sektora finansów publicznych. Nasza oferta obejmuje także ciekawe pracownicze programy ubezpieczeniowe, m. in. grupowe ubezpieczenia na życie i zdrowotne, przygotowane z myślą o pracownikach firm prywatnych czy pracownikach jednostek budżetowych.

Obok tradycyjnych polis ubezpieczeniowych oferujemy także i te, które stworzone zostały z myślą o konkretnych zawodach. Dla przykładu, OC projektanta i OC zarządcy nieruchomości uwzględnia cały szereg zagrożeń, mogących wystąpić w pracy tych grup zawodowych każdego dnia.

Pragniemy podkreślić, iż wieloletnie doświadczenie umożliwia zespołowi brokerów naszej firmy analityczne spojrzenie i odczytywanie potrzeb naszych Klientów, a w efekcie przygotowanie oferty ubezpieczeniowej najbardziej dostosowanej do Państwa oczekiwań.

Odpowiedzialność i zaangażowanie z jakim podchodzimy do naszej codziennej pracy, pozwala nam na tworzenie i nieustanne aktualizowanie oferty o takie rozwiązania, które dla naszych Klientów oznaczają największe korzyści. Bezpieczeństwo – to najważniejsze słowo w naszej pracy, motywujące nas do odnajdywania nowych i elastycznych produktów.

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Insurance for rescuers

The team of brokers employed by GESTUM BROKER Sp. z o.o. enables the provision of insurance handling dedicated to specific professional groups. Insurance schemes created by our specialists are characterised by non-standard provisions deviating from the General Insurance Terms and Conditions available on the market and provide the insured safety on many levels.

Scheme for rescuers

As an experienced insurance broker, we approach the insurance coverage of rescuers with particular attention.

When creating insurance coverage for this group, we take into account various types of risk:

• the possibility of making a mistake by the rescuer performing his/her tasks, i.e. saving lives of humans, which could result in civil claim,
• the possibility to suffer severe detriment to health by a rescuer during the rescue operation.

To mitigate the consequences of the above potential fortuitous events, we meet the needs with a comprehensive and precisely selected insurance scheme.

The scheme for rescuers assumes that WOPR rescuers, including volunteer rescuers performing rescuer activities under the WOPR statute, are authorised to use the insurance. Each of the members having the authority to perform the rescuer activities, meeting the requirements defined by the applicable provisions of law and the WOPR statute.

The subject of insurance covers:

1. Consequences of accidents in connection with the performance of rescuer activities (on the job). The insurance may be extended by coverage on the way to and from work or 24 hours a day.

The full scope covers consequences of accidents involving bodily injury or health disorder causing death of the insured or permanent health detriment with the extension by myocardial infarction, intracranial haemorrhage and, optionally, HIV/viral hepatitis.

Moreover, the available benefits include, among others:
• death benefit,
• permanent health detriment benefit,
• ​reimbursement of costs of purchasing orthopaedic devices and auxiliaries,
• reimbursement of costs of professional training of disabled persons on the territory of the Republic of Poland,
• onerous treatment benefit,
• Assistance type post-accident benefits in the territory of the Republic of Poland.

2. Civil liability in respect of performing rescuer activities. The insurance will cover the rescuer’s civil liability in respect of performing professional activities, including personal and property damages resulting from committing an unlawful act.

2. The cost of legal protection. 

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Insurance for property managers / housing cooperatives

The team of brokers of GESTUM BROKER company provides the highest level of handling of all types of insurance. Due to the fact that the broker has the ability to compare multiple offers, the Client no longer needs to search the market on his/her own and waste valuable time to get to know complex insurance issues or details of the General Insurance Terms and Conditions.

Insurance of housing cooperatives

As an experienced insurance broker, we support housing cooperatives handled by us in making decisions on insuring assets that they manage.

It depends on this decision whether the housing cooperative or the insurance company will be obliged to assume the risk of losses due to flooding, ripped off roof or substantial compensation for damages.

Considering that the market of insurance services currently offers a full range of products in this field, we are here to properly assess, advice and, together with particular housing cooperatives, construct an insurance scheme taking into account the specificity, size and individual needs of a given community.

Proper assessment and correct selection of the scope of insurance coverage has a significant impact on the amount of premium and a sense of security as well as real compensation received in case of the occurrence of a loss event.

The subject of insurance may cover:

1. Residential buildings with underground garages and fixed furnishings, machinery and equipment including lifts, ventilation and air conditioning equipment, alarm devices and other infrastructure, lighting, landscape architecture objects, playgrounds, driveways, pavements, parking spaces, etc.
2. Civil liability of housing cooperative related to conducted business activity and owned property, in particular:

• building(s) with additional rooms, such as basements, baby carriage rooms, lockers, garages, drying rooms,
• car parks located within the common property and intended for use by persons living in the building(s), as well as third parties,
• courtyards and gardens belonging to the Insured,
• any type of systems that the property is fitted with,
• recreational and other facilities located on the property,
• trees and plants located on the property.

3. Civil liability of management board members of housing cooperative:

• civil liability of cooperative member related to owing the premises constituting his/her property, for material damages to common property suffered by the housing cooperative,
• mutual civil liability in connection with any flooding damages between tenants (residents of the cooperative),
• Damages caused by the housing cooperative – to members of the cooperative,
• Civil liability of subcontractors in connection with the occurrence of damages caused by the Insurer’s subcontractors and the Insured.

Insurance of property managers

To ensure the safety of conducted activity and the safety of people using the services of professional property managers, entities engaged in the property management in Poland are obliged to take out the civil liability insurance.

The subject and scope of insurance are defined in the Regulation of the Minister of Finance on compulsory civil liability insurance of property managers.  The insurance policy should be concluded no later than on the day preceding the commencement of professional activities. The minimum guaranteed sum of insurance determines the above Regulation of the Minister of Finance and it amounts to EUR 50,000 per one event and all events during the insurance period.

As an experienced insurance broker, we support property managers in searching for the best offer of civil liability insurance in respect of conducted activity involving property management and/or administration.

The scope of insurance may cover damages caused as a result of an act or omission of the Insured in connection with the performance of activities related to property management, including pure financial loss.

Available insurance products are:

1. Compulsory civil liability – in accordance with the Regulation of the Minister of Finance,
2. Voluntary civil liability (excess) of property manager – for the company,
3. Civil liability of persons performing property manager activities – particular property managers.

As part of brokerage handling offered by GESTUM BROKER Sp. z o.o. to housing cooperatives and property managers, in the scope of comprehensive insurance handling during the year, we are able to offer the following activities:

1. Audit of current policies in terms of their scope.
2. Analysis of existing threats and needs of the Client. 
   As part of these activities, we prepare a comprehensive analysis of insurance risk occurring in connection with conducted activity and present a detailed coverage plan for the company as well as its employees.
3. Preparation of an optimal and uniform insurance scheme tailored to the specificity of activity and jointly agreed needs.
4. Harmonisation of the scope of coverage for all objects.
5. Negotiations with the companies in relation to the commercially best insurance offer (both in terms of scope of coverage and price of comprehensive insurance).
6. Intermediation and consultancy in the selection of the insurer (review of the insurance market).
7. Brokerage recommendation in relation to the best negotiated offer.
8. Ongoing handling of insurance agreements, including:

• control of the compliance and correctness of submitted documents (policies, annexes) with the offer and negotiated insurance scheme,
• reporting to the insurer relevant information about the changes occurring in the subject of insurance,
• ongoing reporting of changes to the concluded policies,
• arranging annexes and other insurance documents,
• monitoring the expiry dates of individual insurance agreements,
• monitoring of payments of contributions or individual instalments,
• solving current insurance problems.

9. Annual negotiation of terms for the insurance agreement renewal with the presentation and discussion of a full comparison of offers of several insurance companies.
10. Ongoing monitoring of the insurance market in terms of emerging new products, risks and offers and their usefulness in hedging the Client’s conducted activity.
11. The analysis of the financial standing of insurance companies.
12. Preparation and conducting the necessary trainings for the Client’s employees in the field of handling the insurance scheme, to the extent necessary for a particular position and the situation in a given company.
13. Claim settlement, including:

• preparation of the claim procedure,
• full supervision over the claim settlement,
• controls over the circulation of claim documents,
• monitoring of deadlines resulting from the adopted procedure,
• interventions with an insurer in conflict situations,
• supporting the law firm cooperating with us in all kinds of appeals against adverse decisions, refusals.

14. Legal aid as part of ongoing handling of insurance agreements and in the process of claim settlement related to the formulation of opinions or interpretations of particular provisions of the GITC, as well as writing appeals to companies in case of refusal to pay compensation resulting from policies concluded through the broker (free of charge handling).

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For design and architecture companies

The team of brokers employed by GESTUM BROKER Sp. z o.o. enables the provision of handling of all types of insurance at the highest level.

The Client’s cooperation with GESTUM BROKER Sp. z o.o. offers many tangible benefits and allows you to assign any insurance-related matters to the broker. Due to the fact that the broker has the ability to compare multiple offers, the Client no longer needs to search the market on his/her own and waste valuable time to get to know complex insurance issues of individual companies.

Most importantly, our services are free of charge for the Client as the insurance broker receives remuneration in the form of brokerage commission paid by the insurance company. The Client does not pay anything more than (s)he would still have to pay the Insurer for its product (insurance coverage - policy). The price of each insurance includes the client acquisition costs that do not disappear even if the client comes directly to the company.

Scheme for design and architecture companies:

Design and architecture companies are businesses and, just like any other companies, they try to completely eliminate or minimise the risk of losses caused by claims of third parties in connection with conducted professional activity or losses caused by various types of unforeseen fortuitous events. They minimise these losses by, among others, concluding insurance agreements tailored to the scope of its activity.

GESTUM BROKER is a brokerage company operating, among others, for design and architecture companies. We have the knowledge and experience in the industry related to the civil liability borne by designers, architects and companies of this sector in connection with the performance of their activity.

As an insurance broker, we offer these companies a variety of modern solutions in the field of insurance, having regard to their size, potential and nature of their activity. The optimisation of insurance protection requires regular monitoring, control and assessment of whether insurance policies held are adequate and appropriately tailored to the expected development of the company.

As part of the brokerage cooperation offered by GESTUM BROKER Sp. z o.o. in terms of comprehensive insurance handling, we are able to offer the following activities:

1. Audit of current policies in terms of their scope.
2. Analysis of existing threats and needs of the Client.
   ​As part of these activities, we prepare a comprehensive analysis of insurance risk occurring in connection with conducted activity and present a detailed coverage plan for the company as well as its employees.
3. Preparation of an optimal and uniform insurance scheme tailored to the specificity of activity and jointly agreed needs.
4. Negotiations with the companies in relation to the commercially best insurance offer (both in terms of scope of coverage and price of comprehensive insurance).
5. Intermediation and consultancy in the selection of the insurer (review of the insurance market).
6. Brokerage recommendation in relation to the best negotiated offer.
7. Ongoing handling of insurance agreements, including:

• control of the compliance and correctness of submitted documents (policies, annexes) with the offer and negotiated insurance scheme,
• reporting to the insurer relevant information about the changes occurring in the subject of insurance,
•  ongoing reporting of changes to the concluded policies,
• arranging annexes and other insurance documents,
• monitoring the expiry dates of individual insurance agreements,
• monitoring of payments of contributions or individual instalments,
• solving current insurance problems.

8. Annual negotiation of terms of the insurance agreement renewal with the presentation and discussion of a full comparison of offers of several insurance companies.
9. Ongoing monitoring of the insurance market in terms of emerging new products, risks and offers and their usefulness in hedging the Client’s conducted activity.
10. Claim settlement, including:

• preparation of the claim procedure,
• full supervision over the claim settlement,
• controls over the circulation of claim documents,
• monitoring of deadlines resulting from the adopted procedure,
• interventions with an insurer in conflict situations,
• supporting the law firm cooperating with us in all kinds of appeals against adverse decisions, refusals.

11. Legal aid:
    Legal advice as part of ongoing handling of insurance agreements and, in the process of claim settlement, relating to the formulation of opinions or interpretations of particular provisions of the GITC as well as writing appeals to companies in case of refusal to pay compensation on the basis of policies concluded through a broker (free of charge handling).

If you are interested in the offer for design and architecture companies, please fill out the form Risk Assessment Surveys and send it by e-mail to This email address is being protected from spambots. You need JavaScript enabled to view it. or to direct contact with our broker: phone +48 22 845 58 22, e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

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Photovoltaic farms

The subject of insurance of photovoltaic farms is the whole power plant, i.e. a complex of panels together with the supporting structure and all necessary equipment. We also take into account the individual needs of our Clients, which is why we anticipate the possibility of extending the coverage package and covering the financial effects of interruption of operation of the farm system, which is the result of material damage preventing the continuation of the production of electricity.

Due to such flexibility of the proposed photovoltaic farm insurance, we pay special attention to the wide range of coverage package, which includes both damage resulting from external and internal factors. Most promoted by us is the scope against any events causing the need for repair or replacement, including damages having a source inside mechanisms.

The scope of insurance schemes for companies owing or using such equipment in their activities is based on the “all risks” standard and covers, among others:

1. Damages caused by internal factors, as a consequence of defects, failures or malfunction of the power plant mechanisms (including security modules). This scope also includes errors made at the design stage of installation and damages resulting from material defect.
2. Damages caused by external factors – this group includes: effects of thunder and lightning as well as all weather factors (including intense rainfall), effects of natural disasters – including floods and fires (also: burns, blackening, glowing, etc.), explosions and implosions and fall of an aircraft, theft, vandalism and operating errors (e.g. resulting from a lack of skills).

In addition, the scope of insurance of the farm itself may be extended by insurance against loss of revenues from the production of electricity covering revenue not achieved as a result of damage to the photovoltaic farm components.

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Wind farms

We offer a full range of highly specialised insurance schemes to clients owing or using wind farms in their activities.

When creating the insurance scheme for a wind farm, we take into account its specificity, which determines that the scope of such policy varies from insurance policies used in other industries.

The scope of policy schemes for companies holding or using such equipment in their activities is compliant with the “all risks” standard and covers, among others:

1. Any damages resulting from external factors, namely:

• operational error and lack of skills,
• implosions and explosions,
• intensive impact of precipitation (including hail),
• theft or vandalism,
• low temperatures (frost),
• landslides and collapsing of land,
• floods,
• fires, blackening, scorching, smouldering, glowing,
• strong winds, including hurricanes,
• fall of the aircraft or its components,
• thunder and lightning.

2. Damages as a result of internal factors, which include:

• design error, faulty workmanship and material defect,
• malfunction (or total lack thereof) of modules, such as inverters, safety equipment,
• any failures of mechanisms that have their cause in the malfunction of electrical equipment,
• short circuit, overvoltage, overcurrent.

3. Damages having different than the above mentioned reason – not included in the list of exclusions.

In addition, the wind farm insurance may be extended by hedging against loss of revenues from energy production, where the coverage covers revenue not achieved as a result of damage to the wind farm components.

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Architects’ civil liability insurance

Designer’s or architect’s civil liability insurance and voluntary professional civil liability insurance of architectural studio provides protection in case damage is caused to third party in connection with the performance of professional activities.

The coverage covers the civil liability of the insured architect for damages caused by performed professional activities, among others:

Designer’s or architect’s civil liability insurance and voluntary professional civil liability insurance of architectural studio provides protection in case damage is caused to third party in connection with the performance of professional activities.

• preparation of architectural plans of building structures (regardless of the type of building and investment),
• carrying out a full inventory of architectural and construction nature,
• issuing an architectural opinion and preparing the cost estimate of the investment (this also includes activities falling within the scope of construction expertise).
• The designer’s civil liability insurance also covers residential and commercial (including business) interiors-use planning.

In addition to the above activities covered by the designer’s civil liability insurance package, architects may also use other safeguards that will allow them to cover with civil liability insurance all projects related to the management of construction works, and thus exercising a comprehensive construction supervision.

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D&O insurance

The civil liability insurance of directors and officers (D&O insurance) covers financial losses caused by management board members as a result of mismanagement of the company. 

The D&O insurance compensates for financial losses that may result from the improper performance of duties by the company’s governing bodies (e.g. making wrong decisions) and failure to perform activities (lack of decision-making). The insurance is active in case of violation of both general provisions of law and the company’s charter. The insurance covers damages caused to the company and third parties, including shareholders/stakeholders. The insurance covers the costs of legal defence, including costs of proceedings, also in the case of a charge of acting to the detriment of the company. The D&O policy provides legal protection also in case of unfounded or “disputable” claims.

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Accident insurance

The accident insurance belongs to the personal insurance group that covers the most precious goods, i.e. life and health of a human. The accident insurance provides compensation in connection with permanent consequences of accidents. The financial benefit is paid in case of permanent bodily injury, loss of health or death. 

Well and consciously concluded accident insurance is the solution, which you should use, especially that the insured or his/her family will receive separate benefits from each of the concluded accident insurance.

We specialise in negotiating the terms of insurance obtaining for our Clients a number of extensions of the scope, e.g. funeral expenses, hospital benefits, assistance, etc. 

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Health insurance

As part of the proposed package, you may take advantage of the following benefits:

• group health insurance,
• medical subscriptions,
• hospital insurance,
• occupational medicine.

We specialise in negotiating the terms that distinguish our health insurance from other products on the market. First of all, we make sure that during negotiations we tailor the specific insurance policy to the needs of our Clients’ Employees – particularly in terms of medical services and their global availability. We also have regard to ensuring that by purchasing such a policy our Clients may benefit from advice of medical specialists and medical examinations available in thousands of facilities throughout the country.

We try to maximise the benefits achieved as part of the management of functioning of the Occupational Medicine examinations. Below are examples of benefits available to any holder of the proposed insurance policy:

• preventive health check,
• medical consultations,
• home visits,
• vaccination,
• laboratory and diagnostic tests,
• nursing treatments,
• medical and rehabilitation treatments,
• psychotherapy,
• daily hospital allowance,
• dental treatment,
• surgeries.

In addition, health insurance may also cover the consequences of accidents or Assistance.

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Life insurance

• group life insurance,
• life insurance with an investment fund,
• accident insurance,
• treatment costs.

We offer group life insurance agreements protecting against and mitigating material consequences of accidents and diseases of the policyholder and his/her family. We specialise both in negotiating the terms of insurance policies concluded by capital companies and the public finance sector institutions concluding agreements in the result of conducted tender procedures.

Our specialists are involved in works of tender committees as members or experts, help in the preparation of terms of reference, with particular focus on description of the subject of procurement, and in the assessment of tenders – also in the case of employee insurance.

The description of the subject of procurement prepared by our brokers and an innovative way of assessing the tenders provides the maximisation of the benefits to the Ordering Party, while minimising the risks.

We specialise in developing joint coverage schemes by combining the insured into “tender groups”. Thanks to this solution, even companies employing a small number of Employees may expect to maximise the scope of coverage that the employee insurance provides.

Our brokers, taking into account the expectations of their Clients, prepare a dedicated employee group insurance scheme, the terms and conditions of which extend far beyond the standard provisions of the General Insurance Terms and Conditions (GITC). 

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Transport insurance

1. Goods in transit insurance (CARGO)

The insurance provides financial compensation in case of the occurrence of damage to property (commodity) both in domestic and international transit.

The property is covered by insurance on the entire transit route, also during the necessary transshipment activities and temporary storage during the ordinary course of transit.

2. Carrier’s civil liability

Loss, shortfall or damage of consignment in transit are damages that may arise from the moment of acceptance of the consignment for transit until its release. Thanks to the carrier’s civil liability insurance in domestic or international road transport, the party paying for these damages is the insurer. 

3. Freight forwarder’s civil liability

The insurance coverage covers civil liability of the insured for damages arising from non-performance or improper performance of forwarding agreement that it bears in accordance with the provisions of the Civil Code.

The insurance coverage may also cover the civil liability of the insured related to the activities of the road carrier.

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Motor insurance

1. Civil liability arising from the ownership and use of land vehicles

Each holder of a motor vehicle registered in Poland is obliged to conclude a compulsory civil liability insurance agreement of motor vehicle holders against damages arising out of the use of the motor vehicle owned by him/her.

The subject of insurance covers the civil liability of any person who driving a motor vehicle during the term of the agreement caused damage as a result of use of the vehicle on the territory of countries of the European Union, the European Economic Area as well as Switzerland and Croatia.

The civil liability insurance covers the consequences of action of the party responsible for the accident resulting in damage to property and personal injury in connection with the use of the vehicle. The use of the vehicle is defined by the Act and includes not only the actual use of the vehicle, but also damages caused when boarding and de-boarding the vehicle, directly at loading and unloading the vehicle, during stopping, parking or garaging. This insurance covers damages caused by the respective vehicle driver. 

2. Green card
3. Motor hull insurance

The subject of insurance covers vehicles with equipment registered in the Republic of Poland (RP) in accordance with the provisions of the Act on Road Traffic and having valid technical inspections certified by an entry in the registration document, i.e. motor vehicles, tractors, motorcycles, mopeds and trailers.

The insurance coverage covers damages involving:

1. Damage to the vehicle due to:

• sudden mechanical force at the time of contact of the vehicle with people, animals and objects located outside the vehicle,
• actions of third parties.

2. Damage to or loss of the vehicle due to the following fortuitous events:

• flood, flooding, fire, explosion,
• direct lightning, rainfall, hurricane, landslide and collapsing of the earth,
• sudden chemical or heat agent originating from outside the vehicle,

3. Damage to the interior of the vehicle by carried persons in need of immediate medical assistance,
4. Theft of the vehicle, its parts or equipment, damage to the vehicle as a result of theft or removal for short-term use.

4. Assistance

5. Consequences of accidents of passengers and drivers

The subject of insurance covers the consequences of accidents of drivers and passengers of the vehicle resulting from the use of the vehicle on public roads, from the moment of boarding to the moment of de-boarding, including temporary stopping of the vehicle on the travel route. The insurance coverage covers the consequences of accidents involving bodily injury resulting in detriment to health or death of the insured, which occurred in connection with the use of motor vehicles.

6. Legal protection

The subject of insurance covers legal expenses related to the conduct of activities relating to the legal protection of the Insured in court or out of court proceedings in connection with the events related to the possession and/or use of a motor vehicle. As an insurance broker taking care of adequate insurance coverage, we prepare special general agreements for vehicle fleets with individual additional clauses and solutions dedicated to the specific needs of individual Clients and the structure of owned rolling stock.

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Financial insurance

As an experienced broker proposing you not only standard insurance for the company, but also hedge of financial resources, we also care for adequate coverage and ensuring complete safety of conducted business activity. In this way, we may prepare for you both comprehensive insurance for the company and its processes governing the methods of financial management.

1. Coverage of receivables (trade credit)

This is an effective credit coverage, which is one of the ways of hedging against non-repayment of trade credit. In other words, it is the ability to transfer the risk of failure to comply with the obligations under the civil law agreement to the company’s insurer.

2. Insurance guarantees

Guarantees are a written commitment to pay the beneficiary a specific guaranteed amount, in case (s)he fails to fulfil its obligations under the agreement. They allow to maintain complete financial liquidity. The most common guarantees are:

• performance bond,
• tender guarantee (or bid bond),
• customs bond,
• guarantee of timely removal of defects and faults specified in the agreement,
• advance repayment guarantee.

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Technical insurance

As an insurance broker taking care of adequate insurance coverage ensuring full safety of conducted activity, we are able to, by including numerous additional clauses in the basic scope of insurance, extend and tailor to the type of conducted activity taking into account the specific needs of our Clients:

1. Insurance against all construction and assembly risks (CAR, EAR)

Insurance against construction risks and assembly risks is addressed to large, medium and small enterprises being the Investor, Contractor or Subcontractor. The insurance covers contractual works, materials and equipment being the subject of construction, assembly in the scope of residential, general, industrial, engineering and road construction.

In addition, the insurance coverage may cover:

• the costs of post-damage clean-up,
• construction site equipment and devices,
• construction machinery,
• existing property,
• civil liability towards third parties.

As part of this insurance we may also provide:

• the coverage of a building and/or assembly structure against damage to property, including theft
• civil liability coverage of the insured parties (all entities performing insured works) in connection with personal injury or material damage as may arise in connection with the execution of insured works
• the coverage of loss of the investor’s expected profit as a result of the insured property damage

2. Contractor’s plant and machinery insurance (CPM)

The contractor’s plant and machinery insurance (CPM) covers damage to or loss of machinery as a result of damages caused otherwise than by machinery, theft and consequential damage resulting from an internal failure of the machinery if damage occurred to its external components.

3. Machinery breakdown insurance (MB)

The subject of insurance agreements may be plant and machinery owned or held by the Policyholder on the basis of legal title and used in accordance with their intended purpose in connection with the conducted business activity.

The insurance coverage covers insurance events resulting from all causes, except for damages caused to machinery excluded in the GITC, in particular due to the following:

• casting defects and materials,
• structural error, faulty execution,
• workshop or assembly errors,
• clumsiness, negligence,
• lack of water in boilers,
• rupture due to the centrifugal force,
• short circuit, overvoltage.

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Civil liability insurance

The subject of insurance covers the civil liability of the Policyholder, when in connection with the conducted activity or owned property used for business, the Policyholder, as a result of an unlawful act, is obliged to make good damage to third parties that caused death, bodily injury or health disorder (personal injury), or damage to or destruction of property (material damage).

The civil liability insurance agreement covers damages resulting from the accident provided for in the agreement that occurred during the insurance period, even if the injured filed the claim after the end of the insurance period, but before the expiry of limitation periods of the claim.

As an insurance broker taking care of adequate insurance coverage ensuring full safety of conducted activity, we are able to, by including numerous additional clauses in the basic scope of insurance, extend and tailor to the type of conducted activity taking into account the specific needs of our Clients, among others:

• civil tortious and contractual liability in respect of conducting business activity with a particular focus on the sector, 
• employer’s civil liability,
• civil liability for damages caused by vehicles which are not subject to compulsory civil liability insurance,
• civil liability for a product placed on the market, 
• insurance of costs of withdrawal of products from the market or replacing it with a product free from defects,
• liability for damages related to the impact on the environment (environmental damage), 
• professional civil liability for various professional groups,
• civil liability of managers,
• legal expenses insurance,
• other.

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Property insurance

As an experienced broker, in the process of developing a comprehensive offering material, we take into account all assets owned by the Client:

• buildings and structures,
• equipment, plant and machinery,
• current assets,
• electronic equipment,
• glass and glass objects,
• cash,
• loss of profit (business interruption - BI),
• other.

By hedging the Client’s assets owned and used for conducting activity, we are able, by including numerous additional clauses in the basic scope of the insurance policy, to extend and tailor to the specificity of design and architecture companies, taking into account the specific needs of our Clients. For this reason, the insurance offered by the broker to the company or housing cooperative fully corresponds to the Client’s individual expectations.

The scope of insurance:

1. Named risks (Flexa+EC)

This coverage covers damages caused by the events listed in the insurance policy and defined in the GITC.

2. All risks

Loss, destruction of or damage to property (included in the insurance policy) as a result of sudden, unexpected and independent of the will of the Client event, as well as destruction of or damage to that property as a result of rescue operation carried out in connection with the event causing the damage covered by the agreement, i.e. all events not excluded by the insurer in the GITC (applies both to insurance agreements for insurance companies and, for example, housing cooperatives).

3. Insurance of glass and other glass objects

The insurance coverage covers glass and other objects constituting furnishings or fixtures of the buildings, premises and other utility rooms, used for their intended purpose, owned or held by the Client. This product also includes damages caused by breakage (breaking) of insured objects. A damage is understood as loss or decrease in the value of objects due to their destruction or damage.

4. Insurance of electronic equipment

The subject of agreements may cover electronic equipment owned or held by the Client on the basis of legal title and used in accordance with its intended purpose in connection with conducted business activity. Electronic equipment is covered by insurance on the territory of the Republic of Poland in place indicated by the Client in the application and specified in the insurance policy, during normal operation at the workplace, movement in the place of insurance, dismantling for the purpose of maintenance, overhaul, repair and re-assembly.

The liability covers sudden, unforeseen and independent of the Client’s will destruction, damage to or loss of the object covered with the insurance coverage within the GITC, for example, fire and other fortuitous events in the full scope, burglary, robbery, vandalism, user errors, electrical damages, mechanical damages and others that are not expressly excluded.

5. Business interruption insurance (BI)

The subject of coverage is the risk of loss of gross profit that the Client could achieve from his/her business activity, if there was a disruption or interruption in business activity as a result of damage to property caused by fortuitous events. The insurance policy covers the loss of gross profit resulting from an event that is accidental, sudden, unforeseen and results from causes beyond the control of the entity providing the insurance policy and the Client.

The insurance coverage also includes additional costs:

• costs of hiring experts,
• costs of overtime and night work,
• costs of hiring and moving to substitute buildings and premises,
• other additional costs associated with the resulting damage.

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Public procurement

Our specialists lead to the conclusion of insurance agreements by negotiating deals with insurance companies or by assisting in a tender procedure for the purchase of insurance services.

In addition to the insurance risk analysis and advice in the choice of the optimal scope of insurance, the Public Procurement Team also helps in conducting tender procedures, including the preparation of terms of reference with particular emphasis on the description of the subject of procurement, also participates in the works of tender committees and helps in assessing the tenders.

At the Client’s request, we organise the whole tender procedure in our brokerage office.

We specialise in tenders for:

• Property insurance
• Civil liability insurance
• Accident insurance
• Life insurance
• Health insurance

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