Insurance Solutions for
Cross-Border Risks
International Programmes from UNIQA
UNIQA is a company with over 200 years’ worth of history and one of the leading insurance groups in Central and Eastern Europe. In Austria, its place of origin, it is one of the biggest insurance brands.
One very important part of UNIQA’s business is corporate Property and Casualty Insurance.
The number of companies in Central and Eastern Europe is on a steady rise. Companies also look to expand their international operations. Thus, the need arises to secure their property and operations across borders.
At UNIQA we possess the knowledge and tools to develop and implement insurance programmes which include cross-border risks. From now on, we enable companies from Central and Eastern Europe to insure their business in international programmes via the HUB IP in UNIQA Poland.
Why is the UNIQA HUB IP located in Poland
- Many years of experience in creating, handling, and adjusting losses in international programmes.
- Team of experts having appropriate competences.
- Understanding the needs of clients and supporting them at each stage of cooperation.
- All necessary notifications and permits.
- Active agreement with a reputable Network Fronting Partner.
- Active agreement with a Tax Representative, which handles tax matters.
- A reinsurance treaty with an adequate territorial scope regarding international programmes.
- Effective service due to an appropriate organisational structure.
- Comprehensive product solutions.
- Experience in risk assessment and management.
- Efficient loss adjustment processes, even in the most complicated cases
Credibility of UNIQA in Poland
Credibility of UNIQA companies in Poland is confirmed by the numbers
7.5
million
retail clients
5.5
billion (PLN)
gross premiums written
3.0
billion (PLN)
in indemnities and benefits paid out
UNIQA solutions for businesses
214,000
small, medium and large enterprises insured
1,000
cooperating brokers
136,000
loss applications under corporate and housing insurance handled per year
No. 1
in insurances for cooperatives and homeowners’ associations
No. 3
in insurance guarantees
Sources: UNIQA’s own data for 2024
High evaluation from non-life clients
4.8/5
sales process
4.6/5
policy renewal process
4.5/5
loss adjustment
Source: UNIQA client satisfaction survey for 1.01.2024–13.12.2024 (437,000 respondents)
The brokers value cooperation with UNIQA Poland most for:
- brand recognition among customers
- partnership in business
- comprehensiveness of the offer
- expertise in corporate risks
Brokers most often recommend UNIQA for:
- high competence
- professionalism
- commitment of employees
Source: Broker satisfaction and loyalty survey conducted by Ipsos, ordered by UNIQA Poland in November 2024
Advantages for companies
The programme is negotiated case-by-case and tailored to the client. We account for the specificity of their operations, property value, operational territory, organisational structure, other requirements and needs, e.g. connected with binding laws of a given country.
The programme is a more advantageous solution for companies than policies obtained separately by each international subsidiary.
It allows for central management of insurances across the entire group from the decision-making centre in the country where the company has its registered office, which:
- allows for better control of risks,
- ensures a uniform standard of protection for all group companies,
- facilitates access for all group companies to individually negotiated terms and conditions,
- allows for uniform risk transfer and loss management,
- enables easier coordination of loss adjustment.
The programme also facilitates meeting tax and legal obligations connected with insurance in all countries where the company operates.
Advantages for brokers
Through the HUB IP, we ensure access to a uniform offer of UNIQA international programmes.
We enable organising an international programme for clients from any country where the UNIQA Group has subsidiaries.
We provide a single point of contact – the HUB IP in UNIQA Poland and professional cooperation with experienced experts.
Who is the offer directed to
The target clients are corporate clients with main business activity focused on CEE and countries with UNIQA’s presence.
The Master Policy Holder must be registered in an European country.
The programme can be offered for Property, GTPL or Engineering (including Renewable Energy) lines of business.
How do we handle requests for proposals
Submissions mightbe send to a local UNIQA Company, who will contact the HUB IP Team for the offer preparation.
Master Policy and policies on FOS basis are prepared and issued by the HUB IP Team.
There is also possibility to send us inquiries directly: ……@uniqa.p
Taxes are handled by HUB IP Team in cooperation with Sovos.
Local policies are issued by UNIQA subsidiary or by the Network Fronting Partner on the basis of Submission Forms prepared by HUB IP Team.
This material does not constitute an offer within the meaning of the Civil Code and is for information purposes only. The insurer is UNIQA Towarzystwo Ubezpieczeń S.A. with its registered office in Warsaw, ul. Chłodna 51. Detailed information concerning the insurance, including exclusions and limitations of the insurer’s liability, shall be specified in the terms and conditions of insurance and the insurance agreement.
UNIQA Towarzystwo Ubezpieczeń S.A., ul. Chłodna 51, 00-867 Warszawa. Registration body: District Court for the Capital City of Warsaw, XIII Commercial Division of the National Court Register, KRS No. 271543, NIP 107-00-06-155. Share capital: PLN 141,730,747 – fully paid up.