We invite you to cooperate!
Krzysztof Gruza’s broker chambers is proud to present you
the information about it’s operations and propose comprehensive service within
your insurance.
We are one of few broker chambers to operate in Poland,
which have an economic activity as an individual.
We have started our activity on the insurance market in
1994.
Since the beginning, we deal mainly with economic insurance.
Ten years passed since that time. Evolving market –
insurance economy and constantly changing law, preserves more sufficient
security of our clients.
No one takes impressionably the insurance conditions, though
we often have problems with understanding the overall insurance conditions
given by the insurance agent.
Representing your business to different insurance companies,
we base on many years of experience, what provides professional service. At the
moment, we have PUN nr 1043/01 authorizations.
Taking your order we develop an insurance security program
including different types of risk:
estate (fire, robbery, civil responsibility, etc.),
financial (loss of your profits, different types of
financial guaranties),
personal (living, individual and group).
To carry out your order:
We reliably analyze your individual insurance needs, that is
why we evaluate what really needs to be insured and on what amount.
We introduce to different insurance companies transaction
offers based on what is important for you.
Sometimes we offer to insure those areas of risk, which are
not included in standard contracts but may be very significant for you.
We submit the authorization given by you, to the insurance
company and after the negotiations are finished, we sign the documents in your
behalf.
We cooperate with all existing insurance companies what
guaranties the widest offer possible.
Permanently growing competition on the insurance market,
creation of new insurance itself, and often changing terms induce more and more
companies to use brokers service. In
those circumstances our target is to represent our clients business in a best
way, which is why providing our service we put the greatest pressure on
reliability and quality of our work.
Our broker chamber guarantee you the most favorable terms
negotiated with an insurance company concerning the security of your firm.
Keeping in mind your best interest we will create an
individual insurance program and also offer you many other services linked with
financial – insurance guidance.
Our chamber takes all the risk coming from the proper
functioning of the insurance and protecting your firm once the cooperation is
established.
Apart from preventing operations, we put special effort on
enforcing compensations, what increases the level of security of our clients,
minimizing the damages, which have occurred.
Thanks to quick and operative insurance service, we enable
you to focus on your operations and we take down your crew’s responsibility of
your insurance wallet, letting you increase your advantage over the
competition.
Our chamber provides services in:
defining risks, including full guidance in this area
analyzing possibilities of reducing the risk
building an individual insurance program
preparing documents
monitoring policies (thanks to modern and fully dependable
computer system, built for our company and based on our experience, we
supervise payment deadlines and continuation of contracts)
representing our
client while adjusting the loss:
a) helping with putting in a claim
b) accelerating the time of inspection the object or viewing
the damage scene
c) liquidating and paying compensations for personal losses
d) carrying on the correspondence with insurance companies
according to the damages (legal opinion, appeals)
e) taking part in law cases in courts.
Whereas we do not charge you with additional costs,
cooperation, which we propose, is the most attractive form of dealing with
insurance problems and risk elimination relevant to your economic activity.
We would like to underline that during all of our activity,
we always put great pressure on signing the most beneficial – from those
commonly applied – insurance contracts.
That is why, we are
convinced that cooperating with our chamber will bring your company financial
benefits.
Primary targets set to our employees are, taking care of our
client’s safety, high quality of services and following the rules of broker’s
ethics.
Our specialized crew offers you professional insurance
programs, which consist of four main segments:
I. Securing company’s property
II. Securing financial fluency
III. Protecting the company from third party claims
IV. Protecting life and health of the employees
Presenting you our offer, we are convinced that giving our
company the opportunity to represent your insurance business will bring mutual
benefits. In behalf of Krzysztof Gruza’s broker chambers, I invite you to
cooperate.
Best regards….
Insurance broker’s profession has over 400 years old
tradition takes its origin in sea insurance. In addition, in Poland before the
Second World War, it was a valued and necessary profession. After the war in
account of national monopole on the insurance market and statutory insurance
system, there was no place for insurance brokers. The year 1988 turned out to
be a breakthrough year in the newest history of insurance in Poland. After many
years of strict division between PZU and Warta, the possibility of non-national
insurance companies was admitted. Since 1994 we actively participate in those
changes, going through all the rungs of insurance carrier, starting from
working in “Konzeption II” company (first broker company in Poland after 1994)
through (since 1996 to 2000) as a multiagency, finishing on the highest level
of the insurance know – how. The other important date in after war history of
insurance is year 1995, when polish government accepted the act about insurance
activity, which inter alia precisely defined the range of broker’s activity and
gave this profession a very high rank.
Who we are?
Brokers activity consists of contracting or mediating in
contracting insurance for the customer and also administration and constant
supervising their realization. In opposite to insurance agent, who is a representative
of an insurance company, which trained him and tied him with an agency
contract, an insurance broker is totally independent; he represents only the
client’s business.
To gain a license, a broker has to pass the exam in
insurance law, rules of evaluating risks, rules of insurance accountancy and
rules of reassurance and co assurance in front of commission appointed by
Państwowy Urząd Nadzoru Ubezpieczeń. Using the professional’s service, who has
full knowledge in the insurance market, with all its customs and legal
regulations, becomes indispensable for the company. Insurance broker is such a
person.
Broker always works in behalf and for his client,
representing his business for all the insurance companies.
Broker’s services for a customer are done without any
charge!
Why do you need a broker?
Polish insurance market has changed rapidly throughout last
few years. The greatest insurance
companies had lost the market in favour of new ones. There are many new
insurance products. A simple collocation, when two leaders proposed over a
dozen standard products, an insurance market came into existence, which
differed in regard to quality, structure of ownership the insurance company and
offered products.
At the moment in Poland there are 25 insurance companies
offering policies “for life” and 32 offering property insurance. They propose
over 250 types of insurance.
On the other hand, the management cadre responsibility for
assuring safe and secured functioning of the firm constantly increases. Incorrect
and incomplete insurance program, when any fatal incident occurs, can lead to
impossibility to recompense the losses or in
extreme cases to bankruptcy of the company. In those
circumstances, using the professional’s service, who has full knowledge in the
insurance market, with all its customs and legal regulations, becomes
indispensable for the company.
Broker’s statutory obligation is also to have”civil
responsibility” insurance in case he causes harm to his client by incompetent
performance of his service or do not perform it at all.
All “Chamber’s” workers and coworkers have such insurance.
Our chamber is also a member of Polish Insurance and Reassurance Broker’s
Association.
What an insurance broker does?
Krzysztof Gruza’s broker chamber, proposing you cooperation
in insurance area and preparing for you an individual insurance security
program, bases on years of experience.
To realize such insurance program we precisely analyze your
company’s insurance needs, using the information given and our knowledge of
insurance products on the market, performing in your behalf we adjust the
insurance program of your company to offers given by different insurance
companies. It is very important because normally proposed deals are adjusted to
typical situations not to individual needs of the client, as a broker chamber
we can protect your business, because we can include to the contracts risks,
which are not mentioned in general insurance terms (or can be found in
exceptions), we propose insurance in 3rd Pillar (group, individual, employee
pension programs), we do compared analysis for different pension products,
propose new a new way of insurance – reconstructing the firm.
Our broker service is charge free!
Our broker chamber presents you insurance products of
different insurance companies in four main categories.
As a broker company, we have a statutory obligation to take
care of our client, who we represent in behalf. Below are the propositions of
insurance, which we adjust, to your individual needs.
Property insurance
Property insurance from fire and other incidents
Property of manufacturing company is its most important
part, which lets it, function properly and generates income. In case of any
damages, there is a risk of high financial losses emerging from lower or
complete incapability of manufactory abilities and lack of income.
Insuring the property form fire and other incidents provides
complex security not only for the company’s property but also covers middle
losses, which are a result of temporary cessation in production.
Covering
Security from direct losses and damages in capital of
insured. Policy can consist off three
parts:
a) property losses – damage, destruction or loss of insured estate (risk of braking in, robbery
or vandalism covered in this section)
b) cessation in activity – financial losses due to property
damage leading to incapability of further activity
c) transportation inside the country – losses in transported
property (additionally insuring the money at place or in transport)
Territorial limits
Area of Poland
All over the world coverage for international companies
(“admitted basis”)
Rules of insurance
There is a possibility to make a contract based on two kinds
of conditions:
a) “Fire and other incidents” – where only those two risks are insured,
mentioned in policy or enclosures
b) “All direct physical risks of damaged property” – all
those risks are insured, which are excluded from the policy or its enclosures.
Reserves can be insured on highest temporary value.
Target market
All industrial, commercial and servicing companies, foreign
investors realizing their investments in Poland or leading manufactory
activity.
Compensation limits
Recreating value
Actual cash value
Collection
Collection is being fixed on individual negotiation rules
for every risk and client.
Required information
Amount based on questionnaire form, containing all
information about risk taken to insure
For all the fire risks and those related to them, we propose
insurance in two categories:
a) standard basis insurance – named risks
Standard design can occur in two options:
a) typical range of insurance security
b) range divided to basic and additional risks including:
Typical range usually
has FLEXA type of construction (fire, shaft, explosion, fall of the vehicle),
all the other risks are:
a) additional risks – EC (excluded from FLEXA)
“All risk” type insurance (to all the risks apart from the
risks excluded from the policy)
The client can buy excluded risk for additional collection.
One of the important factors of insurance terms is insurance
systems and different types of insurance company’s responsibilities strictly
tied to it.
Usually we have to deal with such systems as:
a) for constant amounts
b) for changeable amounts
c) solidary for constant amounts
d) solidary for changeable amounts
e) at first risk
In case of high risk, (big property) we propose other
systems based on damage limit:
a) MAS – maximum property value in fire zone
b) PML (PMS) – probable maximum loss, that is hypothetically
possible, greatest possible damage, which can be caused by extremely
unfortunate circumstances.
Broker’s important task is to adjust one of the options to
maximally protect the client.
Property insurance against braking in and robbery includes:
a) total or partial loss of insured property, as a result of
its annexation, destruction, devastation, disappearing due to the braking in or
robbery.
Possible subjects of insurance:
a) devices and equipment in the firm
b) circulating property
c) employee’s property
d) computer programs
Insurance o consequences unfortunate incidents includes:
Incidents that can be caused during professional activity,
also on a way to and from work.
Insurance can be contracted individually and for a group.
Subjects of insurance are:
Constant consequences of unfortunate incidents, insurance
includes the costs of making necessary prosthesis, training the invalids, even
costs of the treatment and daily grants in case of longer incapability to work.
OC (civil responsibility) and Autocasco insurance
Insurance includes company’s motor vehicles
Civil responsibility of corporation and individuals
according to activity stated in the contract or possessed property.
Insured risks
a) damages suffered by third persons by causing death
b) body or health damages
c) destruction or damage of the property
In those cases, making any decision is difficult or
sometimes even impossible.
Insurance of electronic devices provides complex security of
computer systems in case of any accident, and gives the possibility of securing
the risk of data loss.
Coverage
Insurance of following elements of computer systems:
a) computers including software and additional equipment
b) computer network
c) portable computer devices
Coverage options
Insurance of possible data loss and its recreation
Territorial limits
Area of Poland
Insurance conditions
Upper insurance is contracted based on conditions:
Tela-Tronic (insurance based on “all risks”)
Target market
All computer system users
Medical branch and all the companies with high technological
level (“high technology”)
Compensation limit
Depends on contracted value
Collection
Minimal collection is fixed on individual basis
Required information
Amount based on
filled form of application for insurance, including:
a) decryption of components of computer system
b) detailed technical parameters, serial numbers of every
element of the system
Insurance of all the risks of structure and assembly
Every construction and technological line assembly and device
is followed by an incident risk or risk of bearing essential losses in owned
property or damaging other subjects acting in the nearest surrounding or
environment in which the activity is being realized.
In case of serious damage caused by an investor, financial
consequences of such events can be substantial and in a way, they can ruin the
whole process of realization the investment.
Insurance of construction and assembly provides complex
security from all the risks, which can happen during building buildings of any
character or assembly industrial or infrastructure devices.
Coverage
Security from damages and losses due to construction or
assembly according to:
a) contract works
b) building devices
c) building device equipment
d) third party claims in case of body damages or financial
losses
Time limits of coverage
From the moment of starting the works or discharging the
materials to passing building or part of it to the user or finish of assembly.
There is a possibility of extension of the insurance to cover the guarantee
period.
Territorial limits
Area of Poland
Insurance conditions
Conditions used here are standard conditions used on
international markets.
Target market
Building and assembly companies doing works in the area of
Poland, national and foreign investors realizing their building, infrastructure
and energetic investments in Poland.
Kinds of policies
“All risks” – contain all threats not excluded from the
policy
Compensation limits
Accordingly to the declared value and contract limits
Collection
Collection is being fixed for every risk individually
Required information
Amount based on questionnaire form, containing all
information about risk taken to insure.
Insurance of the devices from damages.
Project, construction or servicing stuff mistakes due to
simple human mistake, in case of equipment of high technological level, can
cause serious damage of such equipment, and sometimes even a total loss of a
device. Stopping the technological process of the company can be a consequence
of such damage, what can cause serious financial losses (income loss), due to
lack of possibility to generate income.
Such damage can also lead to losing customers for
competition.
Insuring devices from damages, provides not only repairing
expense refund or exchange of the damaged device, but also allows the insured
to receive compensation due to lost income.
Thanks to insurance devices against damage policy fragment,
the underwriter secures the stability of the insured.
Coverage
Security from all damages of manufacturing devices or
technological series due to sudden or unpredicted causes, such as:
a) external damages
b) fall or rapid invasion extraneous object
c) human mistakes (mistakes in usage)
d) construction mistakes
e) lack or improper conservation
f) internal damages
g) weariness of the material/metal
h) errors in assembly
i) electrical damage
j) others
Territorial limits
Area of Poland
Insurance conditions
Insuring devices against damages is not very expensive,
because calculation of collections based on recreating costs of new device and
overall value of devices, flexibility of collection calculation according to
the type of production.
Target market
Small and medium polish industrial companies, foreign
investors realizing their manufacturing activity in Poland.
Compensation limits
Depends on a contract rate and on value of damaged device,
and also:
Additional unexpected losses due to accelerating the
repairing, exchange or bringing national or foreign technical cadre
Collection
Minimal collection is based on individual basis
Required information
Amount based on filled form of application for insurance
including list of devices with following information:
a) type and kind of device
b) production date
c) name of manufacturer
d) serial number
e) new recreation value
Insurance of responsibility for the product
Responsibility for damages caused by a product that is
ready, made and delivered to the receiver and used properly, when damage
occurred during the insurance period due to products defect.
Insurance includes:
a) property or person damage
b) both
Insurance of national remittance
Remittance of economic subjects acting on a national market,
emerging from merchandise sale and services in short term credits.
Insured risks
Complete or partial loss of the remittance due to
ascertained insolvency or extended delay of the contractor
Recreation of the company insurance
Insurance is based on recreating particular devices,
manufacturing lines, buildings, machine halls and income loss, civil
responsibility of the third parties due to fire and other incidents in
particular types of risks. It is the widest insurance including even such
damages as removing the after fire remains and other medial damages.
Financial insurance
1) Credit insurance, including:
a) general insolvency
b) export credit
c) installment payment (e.g. lasing installment)
d) mortgage
2)
Insurance warranty
3)
Insurance of different types of financial risks
a) employment risk
b) insufficient income
c) profit loss
d) general constant expenses
e) loss of market value
4) Insurance of insolvency of the contractor in specified
time e.g.: in case if the contractor
refused or delayed the gratification for service
Surety – instead of paying the surety during auction, the
insurance company can guarantee the surety payment
Insurance of profit loss
This security secures the functioning of the company (or at
least its survival) in case of unexpected incident. Insurance of profit loss is
a form of financial insurance concerning future income. Its main goal is:
To redress possible income and cover constant expenses,
which the company will bear in recreating manufacturing and commercial
abilities period.
Insurance of profit loss can be divided into:
1.Directly connected to temporary brake in company’s
activity (based on FLEX or All risks)
Insurance includes:
a) personnel reduction
b) loss of customers
c) possible risks
compensation
d) covering constant expenses
2. Equipment accidents and electronic damage according to
technical insurance (equipment insurance during it’s work and brake, as well as
during it’s dismantling, reassembly and transport, conservation and repairing)
Insurance includes:
a) human activity (incautiousness, improper usage,
operator’s mistake, purposeful acts of third parties)
b) production defects (mistakes in projects or construction,
usage of defected materials)
c) manufacturing defects
d) exploitation defects
3) according to brake in stock or electric supplies
Life or live to insurance
According to changes in social insurance, we propose
guidance in group and individual insurances, in:
a) life insurance
b) heritage insurance
c) children provision
d) life insurance according to investment funds
A huge competition forces us to deeply analyze both insurance
companies’ offers and range of their insurance products.
As a broker chamber we have prepared for you:
a) opinions about insurance companies
b) opinions about products of particular insurance company
(after you chose the most suitable solution we will prepare detailed
calculations)
The aim of this insurance is to protect human’s life and
health by guarantying our clients payments set in case:
a) death
b) live to
In case of reaching certain age, there are three options of
making the payment to person who ahs such insurance:
a) one time payment
b) setting a pension paid every month till death
c) setting a pension paid for a period of time (e.g. 20
years) in case of earlier death of insured it moves on his heir
There is a great many of insurance products proposed in
other insurance:
a) heritage insurance
b) children provision insurance
c) scholarship
d) life insurance according to investment funds
e) pension insurance
You can insure yourself in over standard range:
death due to illness
death or invalidity due to unfortunate accident
permanent health loss
due to necessity of covering medical treatment
due to consequences of unfortunate accidents
due to inability to work
due to giving birth
due to spouse death
Employees pension programs (PPE)
PPE existed in insurance market completed social insurance
reform in Poland. We prepare for you optimum pension solution.
Krzysztof Gruza’s
broker chamber negotiates lowest insurance collections for the same range of
insurance security, relatively for the same insurance collection negotiates
wider range of insurance security.
Rules of cooperation
Initiation:
1. Signing broker contract.
2. Setting commission for Krysztof Gruza (broker’s letter)
3. Audit:
a) revision of previous insurance contracts, from
– law-essential side
– economic efficiency
b) results and conclusions submission:
4. Insurance program
a) identification of occurring risks:
– direct – occurring in the activity area
– indirect – as ca consequence of activity character and
surroundings
b) preparing list of risks including proposed range of
insurance
c) selection of the clause, additions and changes in general
insurance conditions
d) submitting the program for customers approval
5. Insurance contract:
a) preparation of question offer (broker’s slip) according
to accepted insurance program
b) detailed negotiations with insurance companies
c) offers submission with analyzes and conclusions
d) finalizing the insurance contract
6. Customer service
a) supervision over liquidation procedures:
– receiving applications
– liquidator activations
– estimation of the incident according to the responsibility
of the insure
– submitting for installments
– submitting for revocation
b) activities according to policy administration:
– additional insurance
– widening or reducing of the covering
– cessions from the rights to the policy
c) insuring new risks according to clients needs and wishes
What benefits does
the cooperation with the broker give?
1. Guarantees professional, independent from any insurance
company guidance – in selection and valuation of insurance risks, increasing
the security of insured with help and by the broker.
2. Provides a variety of most profitable conditions,
collection rates and ways of payments for the company.
3. Let’s to reliably evaluate – propriety and functionality
of previous contracts.
4. Guarantees total security and professionalism of the
service (broker takes full responsibility for proposed and carried into effect
contracts, simultaneously releasing management cadre from consequences of bad
choice of insurance company, incorrect or incomplete insurance range).
5. Assuring a to z service – meaning – from the moment of
contracting through supervising risks to helping with compensations and
collections, and in case of any problems, representing the firm in contentions
with insurance company.
6. Broker’s service is free of charge!
7. Thanks to our knowledge, 10 years of experience and
evaluation of risk method, our clients pay the collection only for real and
selected risks.
8. Helps saving time – time wasted on conversations and
telephone calls to different insurance companies and agents, we present you our
products as the best.
For our clients to pay only for real risk we use the
following procedure:
1. Risk identification – estimation the kind of external or
internal incidents that can be the cause of the damage
2. Evaluation of the risk – evaluation the kind of financial
losses according to accidents
3. Financing risk system – based on economical bill, weather
the risk should be insured totally or partially or should be let to client’s
concern
4. Preparation of insurance program – selection of the most
suitable kinds and ranges of insurance needed to cover previously defined risks
5. The insurance program is being submitted to the
management of the insured
6. Accepted program is being introduced to chosen insurance
companies due to negotiation of the most suitable range of protection
7. The most suitable offer is being introduced to the
management of the insured
8. After final acceptation the insurance program, the
insurance contract is being signed.
However, our part is not over!
During the contract endurance we provide following services:
1. Risk observation, based on tracking changes in threat
state, appearance of new risks, demission of risk, etc.
2. Making alternative correction in contracts in case of
risk changes
3. Supervising the contracts deadlines, resuming contracts,
collection payments
4. Helping with notifying damages and preparing loss bills
5. Supervising the process of damage liquidation and payment
deadlines
6. Demanding compensation in case of unjustified
refusal
7. In case if the financial situation of the insured would
get worse or occurrence of other danger, transferring the insurance.
Insurance service system presented below has been proven in
our practice so far and met our client’s approval.
We invite you to cooperate
We will be very grateful if you would like to send us any
comments and suggestions according both the web and our work.