Insurance selection and coordination for businesses operating in Poland
Every business has different exposure: client claims, employee incidents, cyber events, fraud, fire or water damage, transport risks, regulatory obligations, and contractual requirements. The right insurance programme is not “one policy”. It is a set of coverages that matches your industry, how you deliver services, and what your clients and partners expect.
GM Solution Hub helps you choose and organise appropriate business insurance through a trusted partner (a regulated insurance intermediary). We coordinate the process, prepare the documentation, and make sure you get offers that are comparable and relevant to your actual risk.
Why Insurance Matters
Client and third‑party claims
property damage, bodily injury, or financial loss allegations
Professional mistakes
errors, omissions, missed deadlines, or incorrect advice (depending on the profession)
Legal disputes
defence costs and claims management support where included in the policy
Fraud and cyber incidents: phishing, ransomware, business email compromise (BEC: Business Email Compromise), data breaches
Fraud and cyber incidents
phishing, ransomware, business email compromise (BEC: Business Email Compromise), data breaches
Fire, water, theft
protection for office, equipment, and inventory
Operational continuity: coverage that helps businesses recover from sudden disruptions (where applicable)
Operational continuity
coverage that helps businesses recover from sudden disruptions (where applicable)
Contract requirements
many clients, landlords, and tender procedures require specific limits and policy wording
Who this is for
SMEs (small and medium-sized enterprises) and founders who want insurance aligned with their real operations (not generic templates)
Foreign‑owned companies in Poland that need policies accepted by local clients and counterparties
Businesses entering tenders or signing contracts with mandatory insurance clauses
Companies hiring staff or expanding operations and needing structured coverage
Typical Coverage Areas We Coordinate (Examples)
Coverage depends on your business model and risk profile. Common areas include:
- General liability / civil liability (OC działalności: civil liability for business activity) and, where relevant, product liability
- Professional liability (PI: Professional Indemnity) (for regulated professions or higher‑risk services)
- D&O (Directors & Officers liability insurance) for management and board members (e.g., Sp. z o.o. (Polish limited liability company))
- Property insurance: office, equipment, machinery, warehouse stock; fire / water / theft risks
- Cyber insurance: data breach, ransomware, IT (information technology) incidents, business interruption due to cyber events (scope varies)
- Crime / fraud coverage: employee dishonesty, social engineering and selected fraud scenarios (scope varies)
- Employer‑related coverage: workplace accidents, group insurance options (benefits)
- Motor/fleet insurance and travel insurance for business travel
- Cargo / transport coverage (if you ship goods or rely on logistics)
Examples by Business Type (What Clients Usually Need)
Service companies and consultants
- OC działalności (civil liability for business activity)
- Professional liability (PI: Professional Indemnity) when your work can cause financial loss to clients
- Cyber insurance if you process client data or rely on IT (information technology) systems
Trading, e‑commerce, import/export
- OC działalności + product liability (depending on products and distribution)
- Property and stock insurance (warehouse/office)
- Cargo/transport cover if you ship goods
- Fraud/cyber exposure assessment (payments, chargebacks, BEC: Business Email Compromise)
Companies with employees and physical operations
- Employer‑related cover (accidents at work) and optional group plans
- Property cover for premises/equipment
- Liability cover aligned with client/landlord requirements
Management and shareholder structures (Sp. z o.o.)
- D&O (Directors & Officers liability insurance) for management and board exposure (subject to policy scope)
- Legal expenses extensions where available and relevant
What We Do (and What We Don’t)
GM Solution Hub is not an insurance company and does not sell or underwrite policies. Insurance advice, brokerage/agency activities, and policy placement are provided by our independent partner (a regulated insurance intermediary).
Our role is to coordinate the process: we map your business risks, collect the required information and documents, help you interpret key policy differences (limits, exclusions, deductibles), and support communication with the partner so you get the right offer faster.
How the Process Works
01
Business & risk intake
industry, operations, locations, contracts, claims history (if any), and priorities
02
Requirements check
what your clients, landlords, or tenders require (limits, wording, certificates)
03
Documentation pack
we organise the inputs so the partner can price accurately
04
Market comparison via partner
comparable offers, key exclusions, and coverage gaps highlighted
05
Implementation
policy issuance, certificates for clients/tenders, and updates when your business changes
What You Get
- A structured recommendation based on your business model and contracts
- Comparable offers (not random quotes with hidden exclusions)
- Support with documents and certificates requested by clients or tender procedures
- One coordinator: insurance organised alongside accounting, payroll and compliance