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Insurance

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.

Prompt, reliable and very user-friendly.
Chambers, 2016

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.

High­lights of our ex­per­i­ence in In­sur­ance in Po­land
PKO BP (the biggest Pol­ish uni­ver­sal re­tail bank) - provid­ing com­pre­hens­ive leg­al ad­vice in­clud­ing cor­por­ate, reg­u­lat­ory, tax and com­pet­i­tion is­sues as well as and par­ti­cip­a­tion in ne­go­ti­ations in con­nec­tion...

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14/09/2021
CMS M&A European Out­look 2022: Road to re­cov­ery
Septem­ber 2021 We are pleased to provide you with this year’s edi­tion of the “European M&A Out­look”, pub­lished in co-op­er­a­tion with Mer­ger­mar­ket
24/08/2021
The PF­SA's product in­ter­ven­tion con­cern­ing unit-linked life in­sur­ance con­tracts
On 15 Ju­ly 2021, the Pol­ish Fin­an­cial Su­per­vis­ory Au­thor­ity (the “PF­SA”) is­sued a so-called product in­ter­ven­tion, which had been long-awaited by the mar­ket. Pur­su­ant to the PF­SA’s de­cision, as of...
18/08/2021
Pol­ish Civil Code amended to of­fer com­pens­a­tion for vi­ol­a­tion of fam­ily...
A key amend­ment to the Pol­ish Civil Code, which will un­am­bigu­ously settle the dis­pute over award­ing com­pens­a­tion to the closest fam­ily mem­bers of vic­tims suf­fer­ing per­man­ent or ser­i­ous bod­ily in­jury or...
16/08/2021
Pro­pos­al for fun­da­ment­al changes re­gard­ing fines which may be im­posed on...
The draft law1 (the "Draft") pub­lished in Ju­ly pro­poses a num­ber of changes for the en­tire fin­an­cial sec­tor. One of the changes con­cerns the rules on the im­pos­ing of fines by the Pol­ish Fin­an­cial Su­per­vi­sion...
11/06/2021
EDPB is­sues Re­com­mend­a­tion on cred­it card data stor­age for one-click pay­ments
The European Data Pro­tec­tion Board (EDPB) has ad­op­ted a new re­com­mend­a­tion on the leg­al basis for the stor­age of cred­it card data by e-com­merce mer­chants for the pur­pose of one-click pay­ment of fur­ther...
01/06/2021
Some leaks can­'t be fixed
“Con­fid­en­tial in­form­a­tion is like an ice cube... give it to the party who has no re­fri­ger­at­or or will not agree to keep it in one, and by the time of the tri­al you have just a pool of wa­ter.” This...
12/04/2021
EU Di­git­al Ser­vices Act gives new leg­al frame­work for plat­form eco­nomy
The European Com­mis­sion has is­sued the draft pro­pos­al for the Reg­u­la­tion on a Single Mar­ket for Di­git­al Ser­vices (Di­git­al Ser­vices Act or DSA), which cre­ates a new leg­al frame­work for di­git­al ser­vices...
26/03/2021
Oil & Gas / Ship­ping – The Ever Giv­en
The Suez Canal opened in 1869. Along with the Panama Canal, it is one of the most im­port­ant mari­time “short­cuts” ever built. Today, the canal is 193km (120 miles) long and is one of the busiest wa­ter­ways...
04/02/2021
Law and reg­u­la­tion of force ma­jeure in Po­land
1. Is there le­gis­la­tion on force ma­jeure in your law sys­tem? Pol­ish law re­cog­nises the concept of force ma­jeure, how­ever, the term does not have a stat­utory defin­i­tion. A defin­i­tion of force ma­jeure...
26/01/2021
Po­land – a more than 20 mln fine for mis­selling life in­sur­ance-based in­vest­ment...
On 13 Janu­ary 2021 the Pres­id­ent of the Pol­ish Of­fice of Com­pet­i­tion and Con­sumer Pro­tec­tion (“OC­CP”) is­sued a de­cision im­pos­ing a fine of more than PLN 20 mln on a Pol­ish life in­surer (“In­surer”)...
22/01/2021
EDPB is­sues draft guidelines for data breach no­ti­fic­a­tions
Fur­ther to the GDPR re­quire­ment for re­port­ing per­son­al data breaches to the com­pet­ent data pro­tec­tion au­thor­ity and, in cer­tain cases, to af­fected in­di­vidu­als, the European Data Pro­tec­tion Board (EDPB)...
19/01/2021
New GDPR strategy to tackle new tech­no­logy, data se­cur­ity, in­ter­na­tion­al...
The European Data Pro­tec­tion Board (EDPB) pub­lished its GDPR Strategy 2021-2023 on 5 Janu­ary 2021, set­ting out four main pil­lars and key ac­tions, which in­clude: Pil­lar 1: Ad­van­cing har­mon­isa­tion and...