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Please make sure you view the key information alongside your search results. This section details information that must be considered before accepting a risk in the chosen country.

Disclaimer: Crystal is provided for information purposes; it does not constitute solicitation of business and is not intended to be a substitute for appropriate professional advice.

Poland** Please see Lloyd's Authorisation for details of Lloyd's licensing status

Pre-placement considerations

Lloyd's authorisation

Insurance

Lloyd’s underwriters are authorised to write: 

  • All classes of insurance, except motor third party liability, from this territory on a freedom of services basis, and 
  • All classes of insurance, except motor third party liability, on an establishment basis

Lloyd's underwriters can accept insurance for the classes listed below, either on a freedom of services or establishment basis:

Last updated: 12 Jul 2017


Reinsurance

Lloyd's underwriters may write all classes of reinsurance business originating in Poland.
Last updated: 14 Apr 2014

Definition of risk location

Insurance

A risk is located in a European Union or European Economic Area member state if it is:

  • A building (and its contents issued under the same policy) situated in that member state.
  • A motor vehicle, ship, yacht or aircraft registered in that member state.
  • A travel policy for four months or less taken out in that member state.

For any other type of insurance (including a life insurance) it is a risk of this member state if the insured is habitually resident in the member state or a business or an organisation if the establishment to which the contract relates is situated in that member state.

Reinsurance

A reinsurance of an insurer located in that member state.

For general guidance on identifying the location of a risk please refer to the risk locator.

Last updated: 21 Jun 2016

Compulsory classes

The following classes are compulsory in Poland:
  • Third party liability for motor vehicles.
  • Third party liability for sea carriers and maritime pollution risks.
  • Third party liability for air carriers, aircraft operators and civil aviation security.
  • Third party liability for nuclear facility operators.
  • Third party liability for railway operators.
  • Agricultural third party liability for individual persons.
  • Farm property.
  • Professional liability insurance for accountants, attorneys, chartered auditors, court bailiffs, foreign lawyers, general counsel, notaries, patent attorneys, tax advisers, insurance brokers, multi-agents, liquidators, administrative receivers and administrators.
  • Professional liability insurance for architects, construction engineers, town planners, entities providing services of certification, promoters of public events, property surveyors, real-estate agents, property managers and detective services.
  • Medical malpractice for providers of health services; doctors and dentists; health care benefit providers; researchers, sponsors and investigators in clinical trials. NOTE: Compulsory insurance for "medical events" has been suspended until 1 January 2017.
  • Providers of payment services for energy distributors and telecommunications companies.
  • Public liability for vessels licensed to carry more than 12 passengers in respect of injury to passengers and damage to their luggage, where the vessel is registered in Poland or is registered in another country and enters a port in Poland.
  • Marine oil pollution under the Convention on Civil Liability for oil pollution damage.
Last updated: 27 Oct 2016

Routes into Lloyd's

Coverholders

Lloyd's requirements for a coverholder carrying on Polish business on behalf of a Lloyd's managing agent

Binding authority held by a Poland based coverholder
Last updated: 29 Sep 2016

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Binding authority held by a coverholder outside Poland, in another EEA member state 
Last updated: 02 Aug 2016

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Binding authority held by a coverholder outside Poland and outside the EEA
Last updated: 27 Oct 2016

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Reinsurance
Last updated: 29 Sep 2016

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Open market correspondents

Open market correspondents in Poland do not require Lloyd's registration. 

Managing agents must ensure that any insurance intermediary in Poland from whom they receive business is registered.
Last updated: 24 May 2015

Intermediary regulation

Poland has implemented the EU Insurance Mediation Directive (Directive 2002/92/EC) through the Act on Insurance Mediation 2003.

There are three categories of intermediary: Reinsurance brokers, insurance brokers and insurance agents. Each category is mutually exclusive. All intermediaries must be registered with the insurance supervisor, the KNF. A list of registered (re)insurance brokers is available here. A list of registered insurance agents is not available online as they are supervised by the insurer that they work on behalf of, not by the KNF.
Last updated: 12 Jul 2017


Insurance documentation

Insurance documents

Contract certainty applies to general insurance contracts either entered into by a UK regulated insurer (such as Lloyd’s underwriters) or arranged through a UK regulated broker (such as Lloyd’s brokers based in the UK).

Lloyd's has developed Quality Assurance (QA) checks to help the market comply with this requirement.

Further information on contract certainty can be found on theMarket Reform website.

Last updated: 03 Oct 2016


Market Reform contract guidance

This guidance on completing a Market Reform Contract (MRC) focuses on tax and regulatory checks.

It provides advice on completion of the Fiscal and Regulatory section, plus completion of headings in other sections relevant to fiscal and regulatory compliance.

The guidance below relates to insurance (ie not reinsurance).
Last updated: 14 Apr 2014


Language of contract

This information is secured Secure item
Last updated: 27 Oct 2016

Choice of law

To meet contract certainty requirements, the insurance contract must contain a choice of law clause.
Last updated: 14 Apr 2014


Jurisdiction

What's new

(001) Quick reference guide**

To meet contract certainty requirements, the insurance contract must contain a jurisdiction clause.

The Revised Brussels I Regulation 1215/2012/EU applies and determines the jurisdiction applicable.

Insurance of large risks: The underwriter can agree with the insured the jurisdiction that will apply to the contract.

Insurance of mass risks: In the event of a dispute, the rules in the Revised Brussels I Regulation determine the EU member state(s), in which a party can bring an action.

Reinsurance: The underwriter can agree with the reinsured the EU member state whose jurisdiction will apply to the contract.

Last updated: 07 Jan 2015


Service of suit

This information is secured Secure item
Last updated: 27 Oct 2016

Lloyd's representation and other contact details

Lloyd's representative

Lloyd's Polska sp.z. o o
Warszawskie Centrum Finansowe
ul Emilii Plater 53
00-113 Warszawa
Poland

Witold Janusz
Lloyd's Country Manager for Poland

Tel: + 48 22 370 16 18
Email: witold.janusz@lloyds.com

Last updated: 24 May 2015