CMS's insurance team sits within the firm’s banking and finance group and offers insurance stakeholders across the CEE support with both contentious and non-contentious mandates. This offering encompasses advice on regulatory compliance, M&A transactions and specialised insurance programmes, as well as coverage and defence matters. Another key area of activity for the group is consumer protection issues, and the team frequently appears in proceedings before regulatory authorities. Michał Mężykowski is a key name in the team as head of the banking and finance department, as is Paweł Wajda, who is adept at representing clients in administrative proceedings.
Insurance in Poland
CMS
Praxisleiter:
Paweł Wajda
Weitere Kernanwälte:
Michał Mężykowski; Magdalena Rośniak; Adam Jodkowski; Katarzyna Biszczanik; Patrycja Sikorska-Tuğcu
Kernmandanten
Agro Ubezpieczenia – Towarzystwo Ubezpieczeń Wzajemnych
EC Będzin Wytwarzanie Sp. z o.o.
Towarzystwo Ubezpieczeń i Reasekuracji Warta S.A.
VeloBank S.A.
Towarzystwo Funduszy Inwestycyjnych Polskiego Zakładu Ubezpieczeń S.A.
D.A.S. Towarzystwo Ubezpieczeń Ochrony Prawnej S.A.
Powszechny Zakład Ubezpieczeń S.A.
Towarzystwem Ubezpieczeń na Życie „WARTA” S.A.
Polska Izba Ubezpieczeń
Highlight-Mandate
- Assisted Polska Izba Ubezpieczeń with the preparation of the position of the insurance market on the assessment of the compliance of public consultations conducted under the regime of Article 365 (2) of the Law of September 11, 2015 on insurance and reinsurance activity with the provisions of EU law.
- Assisted D.A.S. with preparing a legal opinion on the issue of ‘cherry picking’ during transferring an insurance portfolio.
- Advised VeloBank S.A. on the subject of the operation of VeloBank S.A. under the regime of the so-called single banking license.
DLA Piper Giziński Kycia sp.k.
The ‘excellent insurance practice’ at DLA Piper Giziński Kycia sp.k. boats ‘deep knowledge of the market’, and provides regulatory, corporate, litigation, and tax advice. Its client roster encompasses both domestic and multinational insurance companies, as well as intermediaries. Assistance with the sale of insurance companies, reorganisations, representing clients before the Polish Financial Supervision Authority, and advising on insurance claims all fall within the broad remit of the practice’s strong capabilities. Beata Mrozowska-Bartkiewicz spearheads the team with expertise in advising companies on entering the Polish market, and she is ably assisted by commercial insurance law expert Dominika Wolf-Jezierska; both are praised as ‘outstanding insurance lawyers’.
Praxisleiter:
Beata Mrozowska-Bartkiewicz
Weitere Kernanwälte:
Dominika Wolf-Jezierska
Referenzen
‘DLA Piper Poland have an excellent insurance practice both regulatory and contentious insurance. We have regularly used them in significant financial institution losses.’
‘Beata Mrozowska-Bartkiewicz and Dominika Wolf-Jezierska are outstanding insurance lawyers. They are responsive and thorough and I could not recommend them highly enough.’
‘Deep knowledge of the market and its current problems. Understanding clients’ business and presenting tailored solutions.’
Kernmandanten
Corsair Capital
Generali CEE Holding
Allianz
AmTrust International Underwriters DAC
ARAG
Colonnade
Europa
Open Life
Premfina
PZU Group
Polski Gaz TUW
TUZ TUW
Ubezpieczeniowy Fundusz Gwarancyjny
Icen Risks Limited
Highlight-Mandate
- Advised Corsair Capital, a leading private equity fund, on the acquisition of MJM Holdings sp.z.o.o., including insurance regulatory aspects.
- Advised Generali CEE Holding on its acquisition of 4Life Direct Poland, part of leading insurance distribution group 4Life Direct International, including insurance regulatory aspects.
WKB Lawyers
WKB Lawyers‘ ‘highly knowledgeable‘ team acts for major Polish and foreign insurers and reinsurers, as well as brokers and other distributors. Insurance-related M&A transactions, disputes, competition law and consumer law matters all fall within the firm’s distinguished offering. Jakub Pokrzywniak heads up the practice with notable experience in representing clients in proceedings and dispute resolution matters, while Marek Prętki has an ability to ‘handle complex cases’ in the non-life insurance space, as well as regulatory issues. These areas are also strengths of Anna Urbańczyk, another key member of the practice who is additionally skilled in insurance distribution matters.
Praxisleiter:
Jakub Pokrzywniak
Weitere Kernanwälte:
Marek Prętki; Anna Urbańczyk
Referenzen
‘Excellent knowledge, interpersonal skills and a lot of legal experience.’
‘The team is highly knowledgeable, has a good understating of an insurance market and know the market practice.’
‘They are always ready to support and assist in handling complex cases. Very business oriented.’
Kernmandanten
Baloise Vie Luxemburg S.A
Chubb European Group SE Branch in Poland
ČSOB Pojišťovna, a. s.
Insurance Company ‘Euroins’ AD
Generali Towarzystwo Ubezpieczeń S.A.
InterRisk TU S.A. VIG
Korporacja Ubezpieczeń Kredytów Eksportowych S.A.
Open Life TU Życie S.A.
Polska Izba Ubezpieczeń
Powszechny Zakład Ubezpieczeń S.A.
PWS Konstanta S.A.
Towarzystwo Ubezpieczeń i Reasekuracji Allianz Polska S.A.
Towarzystwo Ubezpieczeń na Życie Europa S.A
Towarzystwo Ubezpieczeń i Reasekuracji Warta SA
TUW Polski Zakład Ubezpieczeń Wzajemnych
Vienna Life Towarzystwo Ubezpieczeń na Życie S.A.
Highlight-Mandate
- Advised the Polish Chamber of Insurance on the preparation of a market-wide set of good practices regarding credit protection insurance products.
- Advised Chubb European Group SE Branch in Poland on the adaptation of several foreign law General Terms of Insurance to the requirements of Polish law and market practice, which affected in the introduction of new insurance products on the Polish market.
- Represented Uniqa TU S.A.in a cassation appeal to the Supreme Court re. MTPL insurance.
Baker McKenzie Krzyzowski i Wspólnicy Sp.k.
Baker McKenzie Krzyżowski i Wspólnicy Sp.k. is praised for its ‘vast professional experience and knowledge of the insurance market’, and it boasts a broad-ranging client base consisting of international and domestic insurers and reinsurers, captives and insurance intermediaries, as well as self-regulatory bodies. Insurance and reinsurance claims, policy drafting, regulatory and corporate matters and compliance issues are all areas of expertise for the team. It is also particularly notable in disputes, including liability claims covering D&O and W&I. ‘Experienced lawyer’ Sebastian Pabian sits at the helm of the department with expertise in the insurance dispute space, and Jerzy Bombczyński heads up the financial services regulatory team.
Praxisleiter:
Sebastian Pabian
Weitere Kernanwälte:
Łukasz Targoszyński; Jerzy Bombczyński
Referenzen
‘Vast professional experience and knowledge of the insurance market and its current challenges.’
‘Individual approach to customers, very good knowledge of their problems and readiness to propose solutions tailored to their needs.’
‘It’s a team of well qualified lawyers.’
Kernmandanten
TUiR Allianz Polska S.A.
Chubb European Group SE Branch in Poland
Colonnade Insurance S.A. Branch in Poland
AIG Europe S.A.
Meiji Yasuda
Link4 Towarzystwo Ubezpieczeń S.A.
Kia Polska sp. z o.o.
Highlight-Mandate
- Represented TUiR Allianz Polska, Chubb European Group SE Branch in Poland, Colonnade Insurance S.A. Branch in Poland, and AIG Europe S.A. in both loss-adjustment and court proceedings regarding insurance claims under D&O, PI and BBB insurance policies.
- Represented Chubb European Group SE Branch in Poland as a D&O insurer in a complex and precedent-setting dispute with Enea S.A., a Polish energy company, concerning Enea’s failed investment in Ostrołęka C Power Plant.
- Advised Meiji Yasuda (as the shareholder of two Polish insurance companies) on Polish legislation and its recent changes concerning the operation of the insurance company.
Domanski Zakrzewski Palinka
Domanski Zakrzewski Palinka is sought after by insurers, insurance brokers, policyholders and public bodies for its expertise in regulatory matters, insurance-related M&A transactions, and representation in claims regarding D&O and W&I, product liability and property insurance. It is also experienced in assisting clients with entering the Polish insurance market. Sectors of activity for the department include the manufacturing, construction, financial and commerce industries. Recommended lawyer Julita Zimoch-Tuchołka spearheads the group with particular expertise in construction and property insurance mandates.
Praxisleiter:
Julita Zimoch-Tuchołka
Referenzen
‘Julita Zimoch-Tuchołka is recommended.’
Kernmandanten
Talbot Underwriting
PZU S.A.
Starr Insurance
Rainmaker Group
Greenval
Aon
Acquis Insurance
Zarząd Morskiego Portu Gdynia S.A.
Renomia
Tokio Marine HCC
AXA France
Continentale Sachversicherung
Highlight-Mandate
- Advising Greenval and Starr Insurance on the launching of new insurance products in Poland, as well as the adjustment of existing products to legal requirements in Poland.
- Advising Aon, an international insurance broker, on various areas, including compliance, AML and whistleblowing regulations.
- Advising the clients of the insurer PZU S.A., on the handling of cyber security incidents.
Czublun and Associates Law Office
Czublun and Associates Law Office has ‘exceptional knowledge‘ of the insurance market and the practice handles the entire gamut of mandates in this space for insurance companies, insurance intermediaries, banks, and leasing companies. Piotr Czublun and Agnieszka Wesołowska co-head the team, providing clients with ‘exceptional insurance and financial services‘ advice. The group is particularly active in advising on the distribution models of insurance products, establishing insurance companies and intermediaries, and providing representation before the Office of Competition and Consumer Protection.
Praxisleiter:
Piotr Czublun; Agnieszka Wesołowska
Weitere Kernanwälte:
Julita Nowak; Justyna Nerko
Referenzen
‘Market experience, supported by a huge specialist knowledge. Open for customer needs and expectations. Very good level of cooperations.’
‘Results of the work and analysis are presented in a way that is understandable to the layman.’
‘Exceptional knowledge and practical approach with solid business acumen. Perfect financial services and insurance sector knowledge that results in best tailored advice.’
Highlight-Mandate
- Advised an insurer and medical care provider from the BUPA group on a comprehensive project to develop, implement and negotiate a complete and unique insurance programme.
- Advised an insurance aggregator comparison platform in Poland on a project that involved developing and implementing new procedures and documentation related to the sale of insurance online.
- Assisted a client with developing a distribution model for reinsurance products in collaboration with a Lithuanian reinsurer and a group of investors from the UK market.
DWF Poland Jamka Sp.k
Insurance companies and insurance distributors seek out the expertise of DWF Poland Jamka Sp.k, which is highly experienced in managing insurance claims and coverage matters, insurance-related transactions, and regulatory and compliance issues. Motor insurance cases are also a key area of strength for the firm. Anna Wietrzyńska-Ciołkowska is another key member of the team who advises clients on corporate, transactional and restructuring mandates. At the beginning of 2025, Beata Balas-Noszczyk and Bartosz Romanowski joined the team from Hogan Lovells (Warszawa) LLP, while former practice head Paweł Stykowski departed to establish his own practice.
Praxisleiter:
Paweł Stykowski
Weitere Kernanwälte:
Anna Wietrzyńska-Ciołkowska; Beata Balas-Noszczyk; Bartosz Romanowski
Referenzen
‘I have received excellent service to date from DWF Poland Jamka SP.K. The firm is particularly good at keeping me up to date on changes introduced by regulators.’
‘Paweł Stykowski is a particularly talented lawyer that our insurance company has worked with for a number of years. Paweł provides concise and easy to follow advice on insurance regulatory matters for our company. Given that we operate on a freedom of services basis, we highly value having talented lawyers like Paweł supporting is in the countries where we write business.’
‘Communication skills, meticulous analyses, touch control, use of interpersonal services, competitive prices.’
Kernmandanten
PZU S.A.
TUW PZUW
Polish Insurance Association
Ryan Specialty Group
Spółdzielczy Bank Rozwoju
CDRL S.A.
Polski Gaz TUW
Newline Group (London)
Highlight-Mandate
- Representing Lloyd’s and advising Newline on a very large D&O court case in Poland.
- Assisted PZU SA with a direct acquisition of Polski Gaz TUW (mutual insurance company) holding Polski Gaz TUWnŻ.
- Advised PZU on the acquisition of two Polish insurance companies.
KKLW Legal Kurzynski Wierzbicki sp.k.
Boasting ‘wide knowledge and experience‘ in the insurance industry, KKLW Legal Kurzynski Wierzbicki sp.k. supports insurers, banks and brokers, and often handles claims regarding complex infrastructure investments, including road construction, the construction of sewage treatment plants and the construction of schools, hospitals, and housing developments. The team is also active in insurance-related transactions. Przemysław Wierzbicki and Marta Ewiak-Kawecka jointly lead the practice.
Praxisleiter:
Przemysław Wierzbicki; Marta Ewiak-Kawecka
Referenzen
‘Good communication.’
‘Wide knowledge and experience, high level of commitment, professionalism.’
‘Marta Ewiak-Kawecka and Przemysław Wierzbicki are recommended.’
Kernmandanten
Compensa Towarzystwo Ubezpieczeń S.A.
Towarzystwo Ubezpieczeń i Reasekuracji “WARTA” S.A.
InterRisk Towarzystwo Ubezpieczeń S.A.
UNIQA Towarzystwo Ubezpieczeń S.A.
Wiener Towarzystwo Ubezpieczeń S.A.
Balcia Insurance SE
Towarzystwo Ubezpieczeń Wzajemnych „TUW”
Korporacja Ubezpieczeń Kredytów Eksportowych S.A.
Bank Millennium S.A.
DNB Bank Polska S.A.
Invictus Broker Sp. z o.o.
Highlight-Mandate
- Representating Wiener in a number of complex litigations related to claims under insurance guarantees.
- Advising UNIQA on matters relating to claims from insurance contracts for a total amount of over PLN 100m.
- Adivsing InterRisk Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group Legal on matters relating to high insurance guarantee claims and representation of the insurer in litigation relating to such claims.
Tomczykowski Tomczykowska
Tomczykowski Tomczykowska‘s insurance group was established in 2023 with the arrival of insurance lawyer and experienced litigator Joanna Schubel from Domanski Zakrzewski Palinka, who now leads the practice with ‘invaluable experience in the insurance sector’. The group ‘stands out for its deep industry knowledge’, and its client roster encompasses international insurers, loss adjusting companies, insurance brokers and policy holders. The practice has a strong focus on liability, property and D&O insurance claims.
Praxisleiter:
Joanna Schubel
Referenzen
‘The insurance team at Tomczykowski Tomczykowska stands out for its deep industry knowledge and their ability to tailor legal solutions to evolving regulations. They are always engaged and respond quickly to client needs.’
‘Joanna Schubel has invaluable experience in the insurance sector and always proposes spot-on solutions that effectively minimise risks for our business.’
Kernmandanten
EPRO
Gartenbau
WKI Isoliertechnik
WKI Tegafol
Highlight-Mandate
- Representing WKI Isoliertechnik (Germany based manufacturer of building materials) before a court against an insurer under a property and business interruption (BI) insurance policy.
- Advising German insurer Gartenbau, specialist in the green sector, on product development and a range of legal issues, including GDPR.
- Advising EPRO (insurance intermediary, previously part of MunichRe group, independent company after management buy-out in 2018) on regulatory matters and the distribution of insurance products.
Wardynski & Partners
Wardynski & Partners is predominately called upon by policyholders and insurance claimants for its representation in disputes, as well as insurers and reinsurers on regulatory-related mandates. The construction, financial and energy sectors are also key areas of activity for the group. Mateusz Kosiorowski leads the domestic insurance disputes and regulatory matters, while the international disputes are headed up by the co-head of the firm’s dispute resolution and arbitration practice, Monika Hartung; they are both praised for their ‘insurance law expertise and litigation expertise’.
Praxisleiter:
Mateusz Kosiorowski; Monika Hartung
Weitere Kernanwälte:
Maciej Zych; Maciej Kiełbowski
Referenzen
‘A distinguishing feature of Wardynski & Partners insurance team is that they are active on various media platforms (insurance sector workshops, articles in professional paper). The team is very client-oriented, taking into account legal and business risks.’
‘The team is very client-oriented, taking into account legal and business risks. Mateusz Kosiorowski is noted, as he is providing tailor-made legal assistance in the field of insurance law. He is knowledgeable and committed to the tasks assigned. He understands the specifics of insurance claims, which allows to mitigate potential risks during litigation (which is crucial for a financial sector client).’
‘I worked with attorney Mateusz Kosiorowski, who is a thoroughly educated person with practical experience in negotiating with insurers.’
Kernmandanten
Generali group
Allianz group
Highlight-Mandate
- Advised a group of reinsurers in the London market on a claim-event concerning a captive insurance company involving compensation under a Property Damage & Business Interruption policy held by an energy sector entity.
- Advised a client on an international insurance dispute concerning a claim-event of a mass withdrawal of an alcoholic product distributed in the US after the start of the COVID pandemic.
- Assisted an MGA (Master General Agent appointed by an international insurer) on regulatory and distribution aspects of cyber insurance in Poland.