Unilink SA

What Unilink SA does

Unilink S.A. is the largest insurance multi-agency (Multiagencja Ubezpieczeniowa) in Poland, operating a hybrid distribution platform that intermediates insurance products from 40+ carriers including PZU, Allianz, Generali, Warta, UNIQA, and Link4. The company generates revenue through commissions on motor (OC/AC/Assistance/NNW), property, life and health, travel, business, and specialty lines (agricultural, yacht, drone, pet, school NNW), with no proprietary underwriting risk on its balance sheet. Distribution combines 1,200+ owned and partner branches (operating under UniPartner and Prestige sub-brands), a network of 14,000+ cooperating independent agents, a direct e-commerce channel at eshop.unilink.pl, an OC/AC pricing calculator at kalkulator.unilink.pl, and an agent portal (UniAgent). The platform serves 2 million+ clients annually, with over 11 wholly-owned operating subsidiaries consolidated under the Unilink Group and a registered capital of 8,377,138 PLN. On December 17, 2025, Efficient Insurance Solutions (EIS), a member of the Unilink Group, joined Acrisure, a global insurance broker, signaling an international strategic alignment. Founded in 2010 and led by CEO and founder Igor Rusinowski, the company is a privately held Polish joint-stock company (S.A.) registered in Warsaw with operating headquarters in Raszyn, and previously received investment from Enterprise Investors in a 2018 funding round.

From a technical-architecture perspective, the technology footprint is conventional broking infrastructure rather than a proprietary platform: a public-facing e-commerce front end (eshop.unilink.pl), a self-serve pricing calculator (kalkulator.unilink.pl), an authenticated agent portal (sso2.unilink.pl / UniAgent), and a content marketing layer (porady ubezpieczeniowe blog) that supports SEO-led customer acquisition. The company does not publish API endpoints, SDKs, or MCPs, and operates exclusively within Poland with no disclosed international footprint beyond the Acrisure partnership. The customer base is predominantly B2C, covering individual consumers purchasing personal lines (vehicle, property, life, travel) with SME business insurance as a secondary segment; conversion is driven by comparison-shopping across multiple carriers, in-person advisory at branches, and online self-serve for standardized products. Backed by a single deep-funded round from Enterprise Investors in 2018, Unilink's primary growth levers going forward are ecosystem consolidation via subsidiaries, the Acrisure corridor for international intermediation, and continued digitization of the agent and customer journeys.

Name

Unilink SA

Legal name

Unilink S.A.

Website

https://unilink.pl

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Unilink S.A. is Poland's largest insurance multi-agency, intermediating policies from 40+ carriers across motor, property, life, health, travel, and business lines through 1,200+ branches, 14,000+ cooperating agents, and digital channels, serving 2 million+ individual consumers annually on a commission-based model.

Ownership category

akta.pro rank

Headquarters

HQ city

Bielsko-biala

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Insurance Agency Commission: Unilink operates as an insurance agent (agent ubezpieczeniowy) and multi-agency (multiagencja ubezpieczeniowa) representing multiple insurance companies. The company earns commissions from insurance policy sales across motor, property, life, travel, and business insurance lines. Revenue is derived from commissions paid by the insurance companies (towarzystwa ubezpieczeniowe) whose policies are sold through Unilink's branch and agent network.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Unilink SA is an insurance multi-agency and broker that distributes motor, property, travel, life and health, business, and specialty insurance policies from more than 40 partner insurance companies through its owned branches, UniPartner and Prestige partner locations, a 14,000+ agent network, and a direct e-commerce platform. Revenue is generated by commissions paid by the underlying insurance carriers on policies sold.

Product overview

Unilink SA is Poland's largest multi-agency insurance broker operating on a platform-plus-partner-network model. The company distributes insurance products through its own branches (Placówki własne), UniPartner network, and Prestige branches, with over 1,200 locations and 14,000+ collaborating agents serving 2 million+ clients annually. The core product portfolio includes vehicle insurance (OC/AC/Assistance/NNW), travel/tourist insurance, property/home insurance, life and health insurance (via Unilink Życie subsidiary), business insurance, and specialized insurance (motorcycle, yacht, agricultural, etc.). The company operates digital platforms including eShop for online sales, UniAgent portal for partners, and OC/AC Calculator tools, while maintaining partnerships with 38+ insurance companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Insurance (Auta)

Quantifiable outcome

• Over 2 million clients insured annually through Unilink's network

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Acrisure (via Efficient Insurance Solutions / EIS)majorStrategic or Co-development Partner · 17 December 2025On December 17, 2025, Efficient Insurance Solutions (EIS), part of the Unilink Group, announced a partnership/merger with Acrisure, a major global insurance broker. This partnership was announced publicly in the news section of Unilink's website. The relationship represents a strategic consolidation that strengthens Unilink's position in the Polish and European insurance markets.

Scale indicators5 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• CUK Ubezpieczenia: CUK Ubezpieczenia is one of the largest multi-agency insurance brokers in Poland, offering motor, property and life insurance through a similar multi-carrier distribution model. Most direct competitor to Unilink's multi-agency business.
• mfind.pl: mfind is a leading Polish online insurance comparison platform where users can compare and buy motor, property and travel policies from multiple carriers. Represents the digital-native alternative to Unilink's hybrid distribution.
• Rankomat.pl: Rankomat is one of Poland's largest insurance aggregator websites, enabling consumers to compare and purchase OC/AC, property and travel insurance from multiple insurers directly online. Competes directly with Unilink's eShop and calculator tools.
• Ubea.pl: Ubea is a Polish insurance comparison platform that aggregates offers from multiple insurers across motor, property and life lines. Operates in the same online intermediation segment that competes with Unilink's digital channels.

Broad incumbents

• Aon plc: Aon is a global insurance brokerage and risk advisory firm with a significant Polish presence, serving large commercial and specialty clients. Competes for the same carrier relationships and upper-end brokerage mandates in Poland.
• Marsh McLennan: Marsh is the world's largest insurance broker and a Marsh McLennan business, with established operations in Poland serving corporate and specialty risks. Comparable as a global broker operating in the same Polish market.
• Willis Towers Watson (WTW): WTW is a global advisory, broking and solutions company with Polish operations offering insurance brokerage alongside broader risk and benefits consulting. Comparable as a global incumbent broker present in the Polish market.
• Arthur J. Gallagher & Co. Gallagher is a global insurance brokerage and risk management firm with a growing presence across Europe including Poland. Comparable as a broad-line broker expanding into the same CEE market.
• Vienna Insurance Group (VIG): VIG is one of the largest insurance groups in CEE with substantial Polish operations through Compensa, InterRisk and Wiener TU. Functions both as a carrier partner of Unilink's and a competitor for distribution and underwriting in Poland.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@UnilinkLiderUbezpieczen
• Facebookpl-pl.facebook.com/UnilinkSAcentrala
• LinkedInlinkedin.com/company/unilink-sa
• Xx.com/unilinksa

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries11 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unilink SA