We are a licensed insurance broker with a history dating back to 1996. The recipe for our company’s success is a team of experienced professionals and their passion for finding solutions.

As a consulting company we provide comprehensive brokerage services to Polish and foreign companies as well as to public sector institutions. We support our clients in the conclusion of insurance contracts, servicing of operative policies and in the handling of claims.

Thanks to our many years of experience and remarkable knowledge of the insurance market, we efficiently carry out tender competitions and reduce the costs of insurance for our clients.

We also provide assistance with issues which involve actions beyond the standard handling of policies. We advise our clients with regard to public procurement law, management of receivables or valuation of fixed assets. We help arrange employee benefits and occupational medicine facilities, and well as advise on how our clients might specify insurance or warranty requirements in relation to their contractors.  

We represent our clients before insurers as appointed proxies holding powers of attorney issued by our clients. We are remunerated in the form of brokerage commission which is paid out by insurers and included in advance in the insurance premium.

• savings in insurance costs
• greater employee motivation through tailored benefits
• better protected assets
• lower business risk
• relieving your employees of the burden of insurance matters
• assistance in a wide range of matters around insurance (asset valuations, public procurement law, debt collection)

PROSPECTOR provides comprehensive brokerage services to companies and institutions. The standard activities we undertake on behalf of the client include:

• audit of current policies and analysis of existing claims,
• identification of risks and construction of an insurance programme,
• conducting an insurance competition,
• analysis and comparison of the offers collected,
• conclusion of the relevant insurance contracts,
• maintenance of the concluded policies.

Once the insurance programme has been implemented, our service includes supervision and participation in the process of reporting and liquidation of claims, as well as day-to-day administration of policies (additional insurance of new assets, assignment of policy rights, etc.).

In addition to the administration of property and liability insurance, we support clients in managing their company’s commercial risks. In this respect, we arrange trade credit insurance agreements and, together with our partner, advise on debt collection. We can also assist in arranging a factoring agreement.

In addition to providing property and liability insurance, we support clients in managing their company’s commercial risks. In this respect, we arrange trade credit insurance agreements and, together with our partner, advise on debt collection. We can also assist in arranging a factoring agreement.

PROSPECTOR’s offer to public sector entities additionally includes the participation of a specialist broker in the work of the tendering committee and assistance in the preparation of the terms and conditions of the contract and the selection of the most advantageous insurance offer. Alternatively, at the request of the contracting authority, we conduct the entire insurance tender procedure on its behalf.

A separate area of our services is the support of HR departments regarding benefits for employees and managers. In this respect, we mainly arrange:

• private medical care programmes (subscriptions and insurance)
• group life insurance
• international medical expenses insurance
• personal accident insurance

In addition, we advise on the organisation of pension schemes, including Employee Capital Plans.

In summary, our role is to help clients optimise their insurance in terms of coverage and costs. And, in addition, thanks to the takeover of insurance matters by PROSPECTOR, our clients and their employees have more time for their main tasks.

Since 2019, PROSPECTOR has been operating as an affiliated company with AU Group, an international brokerage company specialising in trade credit insurance and factoring. AU Group was founded in 1929 and is headquartered in Paris. The company operates through 54 offices in 39 countries and serves more than 4,500 companies worldwide. PROSPECTOR has become AU Group’s exclusive partner in Poland.  

The establishment of this cooperation has opened up the possibility of serving our clients not only in Poland, but also in other countries where their affiliates operate. By joining the AU Group, we have increased our capacity to arrange international receivables insurance programmes. By taking advantage of economies of scale, our clients achieve measurable savings in insurance costs and can more easily manage credit risk at group level. In addition, they receive local brokerage service in individual countries through our network of AU Group partners.

At the same time, PROSPECTOR offers foreign companies operating in Poland, a brokerage service within the framework of international receivables insurance programmes arranged by their headquarters with AU Group.

At the same time, PROSPECTOR offers foreign companies operating in Poland, a brokerage service within the framework of international receivables insurance programmes arranged by their headquarters with AU Group.

Through our cooperation with the AU Group, we have facilitated contact with the headquarters of international trade credit insurers (Atradius, Coface, Credendo, Euler Hermes). In addition, through access to an information exchange platform, we receive current data and reports from our partners on credit risk in individual regions of the world and on developments in the global trade credit insurance market. We are happy to share this knowledge with our clients.

I already engage a broker

Already have a broker? Great! And are you fully satisfied with their service and care? Read on and check it out! Because PROSPECTOR’s clients are assured of:

– ongoing contact with the brokers appointed to serve them throughout the year, not just before renewal of the policy – we efficiently answer questions, interpret provisions, arrange assignments and certificates, clarify doubts,

– thorough checking of market opportunities before concluding an insurance contract – we really extensively and seriously verify offers from many different insurers, if necessary we look for coverage abroad;

– full claims handling – we consult what is covered, report claims, keep an eye on deadlines, write appeals, amend provisions of subsequent insurance agreements to better protect clients’ assets, we also help to enforce damages from previous insurance agreements;

– cooperation in the area of prevention – we suggest solutions to prevent further losses and lower the premium, if possible

– development support – a new investment? at the project stage we suggest how to build it so that it is easier and cheaper to insure; a new contractor? we review and propose insurance provisions;

– relieving the burden on the client’s employees in many fields – one phone call to us and we take care of the rest.

And how does your brokerage service work?

Let’s talk over coffee.

I don’t co-operate with a broker

Not sure how a broker works? We are your advocate in the insurance market. We will help you secure your key risks, optimise the scope and price of your insurance, select the right insurance products and negotiate individual provisions tailored to your needs and specificities, take over the handling to relieve your staff. See more under Fields of activity.

No trust? The broker profession is regulated by law. One of the requirements for a broker is to be independent of insurance companies and to maintain insurance secrecy. It is the broker’s duty to be guided by the best interests of the client and to advise on the best possible insurance contract. As a broker, we help the client to verify the market and buy the right insurance from any operating insurance company. We go to great lengths to fully earn the trust of our long-standing clients. Check out our recommendations.

Think this service is too expensive? Brokerage services are free of charge to the client. In accordance with market practice, remuneration in the form of a brokerage commission is paid by the insurer selected by the client, with our involvement. The costs of administration and distribution, including any commissions, are included in the premium in advance by the insurers; they are not added on. The commissions paid by individual insurers are similar to each other. Let’s talk over coffee.

Have you had one and it didn’t live up to expectations? Well, that’s unfortunate. But in every profession you will find better and worse professionals. Just like with a doctor or a mechanic, sometimes you have to change a few to end up with a super professional. Don’t give up your search, test us! Read our publications (link wewnętrzny), we share our knowledge there.

Intangible services, such as brokerage, are a difficult subject to describe. Unfortunately, you cannot see, touch it or compare technical parameters beforehand. You can only feel relieved and satisfied once we have started working together. And as part of trying and testing you can:

• talk to us – it costs absolutely nothing, we invite you for a coffee.
• talk to our clients, look at our testimonials, publications, social media profile – we’ve been in business since 1996, we’ve accumulated a bit of that.
• have us audit your policies – we’ll prepare a comprehensive report, you’ll see our approach to risk, a different perspective, it can’t hurt because we’ll do it free of charge.
• have us arrange one policy or handle one line of insurance for a start – you’ll see for yourself how we operate, without paying anything extra either, of course