The Polish insurance market - as the German market - functions in such a way that the broker’s remuneration is paid directly by insurers. Despite allegations referring to this, this practice is not connected with rising 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 posesses 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. We could guarantee in the contract that premiums for the same insurance package will be not higher than before.