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Insurers, reinsurers, and brokers face an increasingly unpredictable world, not least because of tougher capital and risk requirements impacting on your business. So you can be certain to meet these challenges successfully, you need advisors with specialist knowledge of your sector and a detailed understanding of the evolving regulatory framework.

CMS has helped major insurers establish and expand operations in Central and Eastern Europe. We are the market leader in M&A in the sector, offer dedicated regulatory expertise and have extensive experience from distribution of insurance products to defence of class action claims.

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With 100 insurance lawyers across over 60 offices worldwide, we can protect your commercial interests in your home market and across borders. We provide advice based on strong local knowledge delivered on a Europe-wide basis by expert lawyers, many of whom have worked in the sector or for regulatory authorities.

We assist clients on the most complex transactional, advisory and contentious matters. A multi-disciplinary team advises on strategic as well as operational matters, liability and dispute resolution, policy drafting, coverage, regulatory issues, M&A, capital raising and restructurings, HR, tax, real estate and commercial issues.

Our top-rated Insurance Team in Poland can advise you on the development, review and distribution of insurance products, as well as the development of cooperation models with insurance intermediaries, including bancassurance projects. We also have extensive experience in representing insurers in class actions.

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High­lights of our ex­per­i­ence in In­sur­ance in Po­land


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Po­land: the Pres­id­ent of the OC­CP on mys­tery shop­ping
Re­cently, Pol­ish Pres­id­ent of the Of­fice of Com­pet­i­tion and Con­sumer Pro­tec­tion (“OC­CP”) has pub­lished a com­mu­niqué re­gard­ing the mys­tery shop­ping re­view that the Pres­id­ent un­der­take at the end of 2018.
Bel­gian reg­u­lat­ory frame­work for MGAs now in force
On 21 Novem­ber 2018 and 7 March 2019, we is­sued news­let­ters (re­spect­ively avail­able here and here) re­gard­ing the Bel­gian pro­pos­al to cre­ate a new reg­u­lat­ory frame­work for man­aging gen­er­al agents (“MGAs”) in Bel­gi­um (“Pro­pos­al”).
Po­land to strengthen su­per­vi­sion over for­eign in­surers
The Pol­ish gov­ern­ment in­tends to in­tro­duce changes to ex­ist­ing in­sur­ance reg­u­la­tions con­cern­ing for­eign EU in­surers op­er­at­ing in Po­land.     The pro­posed changes would:   in­tro­duce a pro­vi­sion based on which the dead­lines for the pay­ment of com­pens­a­tion.
Po­land pre­pares for a hard Brexit
On 5 March 2019, the Pol­ish gov­ern­ment ad­op­ted a draft law on the con­duct of busi­ness by cer­tain fin­an­cial in­sti­tu­tions based in the United King­dom or Gibral­tar after “hard Brexit” (the “Draft Law”).
Bel­gi­um braces for Hard Brexit with draft law
On Feb­ru­ary 19, Bel­gi­um passed a draft law pre­par­ing it­self for a Hard Brexit should the UK leave the European Uni­on (EU) on the dead­line of 29 March 2019 without a with­draw­al agree­ment in place to reg­u­late UK's de­par­ture and define its fu­ture re­la­tion­ship.
Up­date of Bel­gian pro­pos­al for MGA reg­u­lat­ory frame­work
On 21 Novem­ber 2018, we is­sued a news­let­ter (ac­cess­ible here) re­gard­ing a draft law amend­ing the law of 4 April 2014 on in­sur­ance, which will cre­ate a new reg­u­lat­ory frame­work for man­aging gen­er­al agents (“MGAs”) in Bel­gi­um (“Pro­pos­al”).
Pol­ish Fin­an­cial Su­per­vi­sion Au­thor­ity speaks about Brexit for the...
On 29 Janu­ary 2019, the Pol­ish Fin­an­cial Su­per­vi­sion Au­thor­ity (“PF­SA”) pub­lished a gen­er­al note on Brexit (avail­able here). The com­mu­niqué relates to Po­land’s fin­an­cial mar­ket and is the first of­fi­cial Brexit-re­lated an­nounce­ment is­sued by the PF­SA.
Po­land: in­sur­ance com­pan­ies and banks un­der GDPR scru­tiny
Po­land’s data pro­tec­tion watch­dog (“Per­son­al Data Pro­tec­tion Of­fice”) has pub­lished its audit plan for 2019. Fin­an­cial in­sti­tu­tions are in the spot­light as the audit plan cov­ers pro­fil­ing in in­sur­ance com­pan­ies and banks.
Po­land: What is on the reg­u­lat­ory radar for non-life busi­ness?
Please see be­low some in­form­a­tion on what may im­pact the reg­u­lat­ory land­scape for the non-life mar­ket in Po­land in the com­ing months. EIOPA’s opin­ion on the non-life cross-bor­der in­sur­ance busi­ness EIOPA has pub­lished an opin­ion on the long-term non-life cross-bor­der.
Po­land: new reg­u­la­tions tight­en su­per­vi­sion over fin­an­cial mar­ket
New reg­u­la­tions aimed at strength­en­ing su­per­vi­sion over the fin­an­cial mar­ket and in­creas­ing the pro­tec­tion of in­vestors re­cently came in­to ef­fect. One of them in­volves an or­gan­isa­tion­al change to the Pol­ish Fin­an­cial Su­per­vi­sion Au­thor­ity (“KNF”) by ex­tend­ing.
Brexit and the in­sur­ance sec­tor – in­form cus­tom­ers about Brexit’s...
The European In­sur­ance and Oc­cu­pa­tion­al Pen­sions Au­thor­ity (“EIOPA”) provided an opin­ion on in­form­ing cus­tom­ers about the im­pact of the with­draw­al of the United King­dom from the European Uni­on (“Opin­ion”).
How will the new waste man­age­ment reg­u­la­tions af­fect busi­ness?
Be­gin­ning of sum­mer sea­son was pretty in­tens­ive for the Pol­ish le­gis­lat­or. In Ju­ly and Au­gust 2018 a pack­age of le­gis­lat­ive solu­tions was ad­op­ted, which is sup­posed to be the an­swer to the ab­use with­in the waste in­dustry in Po­land, es­pe­cially in re­la­tion to.