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An insurance broker is a kind of a
“legal” advisor on insurance affairs. During a process of
reaching insurance agreement he is a proxy of the Client rather than a
representative of an insurance company, as is the case with insurance agents. As a broker we are independent of insurance
companies. Independence and professionalism make us very flexible and
effective. We act on behalf of our Client for whom we build an insurance
programme that best suits specific Client’s needs. Then we approach
different insurance companies with our programme and negotiate to obtain the
most effective insurance cover with the most competitive premium rates
available within the market. We pay special attention to the security of the
insurance companies being approached. Broker Serwis Sp. z o.o. has over 10 years
experience rendering insurance services to corporate clients as well as to
medium and small businesses. We offer the full range of insurance products.
Numerous testimonials from our satisfied Clients confirm the quality of our
services. »
Advantages for companies Cooperation with an insurance professional
who is on the Client’s side A broker (in opposite to an insurance agent
or insurance company employee) is not concerned to hide weak points in
products offered by insurers. In order to keep and gain clients a broker
takes care to provide information that will allow the management of a company
to make an objective insurance decision. Even if a company has a relevant
section that is dedicated to analysing offers from insurers it is a good
practice to know independent opinion from a broker whose knowledge and
experience include various insurance situations. »
Transfer of liability for concluded insurance agreements One of the major advantages that arise from
the cooperation with a broker, besides getting professional advice, is a
transfer of liability for concluded insurance agreements (Art. 429 of Polish
Civil Code). A broker bears liability for mistakes that expose his client to
damages due to badly concluded insurance contracts or due to allocation of
insurance to insecure insurers. » Broker remuneration The Polish insurance market functions in the
way that broker’s remuneration is paid directly by insurers. Despite
some opinions this practice is not connected with a rise in premium rates.
The insurer, instead of paying a commission to its agent, pays it just to a
broker. In this point it is worth mentioning that a broker conducts risk
analysis by himself and thus decreases the administrative costs of the
insurance company. Comprehensive risk analysis conducted by a broker provides
him with objective knowledge about risks to be insured. In effect, he has
arguments on how to negotiate premium rates to be objectively low. The
negotiation power of a broker is usually stronger than the negotiation power
of a Client. One important reason for that is: a broker deals with portfolio
of Clients and thus provides more money for an insurance company in premiums
than any single Client does. Our practice shows that broker services never
lead to rise in premiums. » The policy of preserving good
relationship with current insurers We profess the philosophy of respecting and
sustaining good relationship between Clients and their current insurers. We
consider it a matter of security and good trade practices to respect such
good relations and try to allocate insurance programmes with those insurers. "BROKER SERWIS" SP. Z O.O. |
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