InterRisk
InterRisk is a Polish property and casualty insurance company and wholly-owned Vienna Insurance Group subsidiary offering motor, property, accident, health, and financial insurance to individuals, SMEs, large enterprises, and farmers across Poland since 1993.
- Company typePrivate
- Founded1993
- HeadquartersWarsaw, Poland
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What InterRisk does
InterRisk Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group is a Polish property and casualty insurance company headquartered in Warsaw, Poland, operating continuously in the market since 1993 as a wholly-owned subsidiary of Vienna Insurance Group (VIG), the leading insurance group in Central and Eastern Europe. The company serves individual consumers, families, small and medium enterprises, large corporations, group insurance customers, and farmers/agricultural entrepreneurs through a comprehensive portfolio of motor, property, personal accident, health, and financial insurance products organized under brands including Pakiet Auto+, Pakiet Mieszkanie+, EDU Plus, Biznes Pro, InterRisk PRO, Puls, and Agro Pakiet.
InterRisk generates revenue through recurring insurance premiums across its P&C, personal accident, health, and financial insurance lines, with a 2025 gross written premium of 1,917.3 million PLN and a financial result of 120.6 million PLN. The company maintains a 295.9% solvency ratio with 780.2 million PLN in eligible own funds, demonstrating substantial regulatory capital strength. Its core technology platform consists of an integrated underwriting and claims management system connected to multiple digital self-service portals — iPortal for individual clients, IRflota for fleet management, IRON for agents, and Puls for business customers — alongside the EDU Plus web service for B2B data exchange with partner school systems.
Distribution is multi-channel and domestic to Poland, combining a nationwide physical agent network with a dedicated IRON agent portal, broker partnerships for corporate and complex commercial lines, direct online sales for select products, and self-service digital platforms. The company holds a market-leading position in school student accident insurance (NNW) with approximately 1.5 million persons covered under EDU Plus in 2025, where its portfolio share is nearly double the Polish market average. InterRisk is part of VIG's diversified portfolio of approximately 50 insurance companies across 30 countries, leveraging group-level capital, reinsurance, and brand affiliation while operating as VIG's primary P&C entity in Poland.
InterRisk firmographics
Firmographics- Name
- InterRisk
- Legal name
- InterRisk Towarzystwo Ubezpieczeń S.A. Vienna Insurance Group
- Website
- https://interrisk.pl
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- InterRisk is a Polish property and casualty insurance company and wholly-owned Vienna Insurance Group subsidiary offering motor, property, accident, health, and financial insurance to individuals, SMEs, large enterprises, and farmers across Poland since 1993.
- Ownership category
- akta.pro rank
InterRisk industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Motor Vehicle Liability Insurance (FSAJAMAC)
- akta.pro secondary industries
- Commercial Auto & Fleet Insurance (FSAJAMAB), Personal Auto Insurance (FSAJAMAA), Travel & Accident (Non-Life) Insurance (FSAJAMAN), General Liability Insurance (FSAJAMAE), Protection & Indemnity (P&I) / Marine Liability Insurance (FSAJAHAH), Umbrella & Excess Liability (Fleet/Transportation) (TLABANAG)
Keywords
Where InterRisk is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
InterRisk business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance premiums: InterRisk generates revenue through property and casualty insurance premiums, personal accident insurance, health insurance, and financial insurance products for individual and business customers.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
InterRisk product offering
Product offeringCore offering
InterRisk Towarzystwo Ubezpieczeń S.A. is a Polish property and casualty insurer offering motor, property, personal, health, financial, and agricultural insurance products to individuals, families, SMEs, large enterprises, and group customers. Operating as part of Vienna Insurance Group, the company generates revenue primarily through insurance premiums and related insurance services across diversified non-life lines.
Product overview
InterRisk is a Polish property and casualty insurance company and part of Vienna Insurance Group, offering a comprehensive portfolio of insurance products and services for individuals, families, and businesses. The product architecture consists of: (1) Individual/Family segment covering auto insurance (Pakiet Auto+), home/property insurance (Pakiet Mieszkanie+), personal accident insurance (EDU Plus, NNW odNOWA), health insurance (Medi-Care, Moja Rodzina), civil liability, and legal protection; (2) Business segment including SME packages (Biznes Pro, Biznes Pro Plus, Biznes Pro Zdrowie), large enterprise solutions (InterRisk PRO risk management), fleet insurance, property insurance, and group insurance offerings (Puls family: Puls Zdrowia, Puls Firmy, Puls Pracownika, Puls Majątku, Puls Przewoźnika); (3) Agricultural segment with Agro Pakiet, Agrocasco, crop insurance, and mandatory agricultural insurance. The company also provides specialized online portals (iPortal, IRflota, IRON, Puls) and the EDU Plus web service for data exchange with business partners.
Differentiator
Problem solved
Functional benefit
Brands
- EDU Plus: Student personal accident insurance providing 365-day coverage, 24 hours a day for children and youth.
- Pakiet Mieszkanie+
- Pakiet Auto+
- Biznes Pro
- Biznes Pro Plus
- Biznes Pro Zdrowie
- InterRisk PRO
- Puls Zdrowia
- Puls Firmy
- Puls Pracownika
- Puls Majątku
- Puls Przewoźnika
- Agro Pakiet
- NNW odNOWA
- Medi-Care
- Antidotum Plus
- Moja Rodzina
Products and services
- Motor Insurance
Quantifiable outcome
- Nearly double the market-average share in accident insurance portfolio
- +1 more outcomes
Companies that use InterRisk
Customer profileSegments5 records
Ideal customer profiles5 records
InterRisk technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
InterRisk partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Vienna Insurance GroupcoreInterRisk is part of Vienna Insurance Group, the leading insurance group in Central and Eastern Europe with approximately 50 companies operating in 30 countries. This affiliation provides European-wide brand recognition, shared expertise, and financial backing. InterRisk has been operating continuously on the Polish market since 1993.
Scale indicators7 records
Recent moves5 records
Expansion highlights5 records
InterRisk competitors and assessment
Company assessmentDirect peers
- PZU: Poland's largest insurance group, offering motor, property, life and health insurance to individuals and businesses. Directly competes with InterRisk across virtually all of InterRisk's Polish P&C product lines and is the dominant market leader.
- Warta (TUiR Warta): One of Poland's largest non-life insurers, part of the Ergo Hestia group. Competes directly with InterRisk in motor, property, accident and travel insurance for both retail and corporate customers.
- Ergo Hestia: Major Polish property and casualty insurer (part of Munich Re Group) offering motor, property, liability and specialty lines. Comparable to InterRisk in product breadth, distribution via agents/brokers, and SME/corporate focus.
- Compensa (VIG subsidiary): Another VIG-owned Polish non-life insurer. Sister company within the Vienna Insurance Group, competing directly with InterRisk for Polish P&C market share, particularly in motor and corporate lines.
- TUW TUZ: Polish mutual insurance company focused on property, agricultural and SME lines. Directly competes with InterRisk in agricultural (Agro Pakiet equivalent) and small-business segments across Poland.
Broad incumbents
- Allianz Poland: Polish arm of global insurer Allianz, offering motor, property, life and health products. Competes with InterRisk in P&C while operating a broader multi-line portfolio backed by the global Allianz brand and balance sheet.
- UNIQA Poland: Austrian-headquartered insurer with a sizeable Polish P&C and health operation. Overlaps with InterRisk in motor, property and health, serving both retail and corporate customers in Poland.
- Generali Poland: Polish operations of Generali Group, active in motor, property, accident and life insurance. Competes with InterRisk for Polish retail and corporate P&C customers as part of a wider European insurance portfolio.
Emerging players
- Link4: Polish direct-to-consumer motor insurer (PZU Group). Competes with InterRisk's Pakiet Auto+ via a digital-first model that bypasses agents, representing the disintermediation threat to InterRisk's intermediary-led distribution.
Others
- Vienna Insurance Group (VIG): Parent company of InterRisk. Not a competitor but the controlling shareholder; comparable as the broader CEE insurance platform of which InterRisk is the Polish P&C flagship, and a key reference point for embedded value and group strategy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
InterRisk social profiles
Digital presenceInterRisk financial estimates
Financial estimateRevenue estimate
Valuation estimate
InterRisk leadership team
Management profileNumber of profiles
InterRisk funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
InterRisk M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about InterRisk
What does InterRisk do?
InterRisk Towarzystwo Ubezpieczeń S.A. is a Polish property and casualty insurer offering motor, property, personal, health, financial, and agricultural insurance products to individuals, families, SMEs, large enterprises, and group customers. Operating as part of Vienna Insurance Group, the company generates revenue primarily through insurance premiums and related insurance services across diversified non-life lines.
Is InterRisk a public or private company?
InterRisk is a private company. It is classified as corporate owned and is currently operating.
When was InterRisk founded?
InterRisk was founded in 1993. It employs 101 to 250 people.
Where is InterRisk based?
InterRisk is headquartered in Warsaw, Poland, in the Europe region.
How does InterRisk make money?
One revenue line is on record: insurance premiums.
Who are InterRisk's main competitors?
Direct peers on record are PZU, Warta (TUiR Warta), Ergo Hestia, Compensa (VIG subsidiary) and TUW TUZ. Broad incumbents are Allianz Poland, UNIQA Poland and Generali Poland. Link4 is listed as an emerging player. Vienna Insurance Group (VIG) is listed as an others.
Does InterRisk have an API?
No public API is recorded for InterRisk.
What industry is InterRisk in?
InterRisk's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJAMAC, Motor Vehicle Liability Insurance, with a secondary code of FSAJAMAB, Commercial Auto & Fleet Insurance. Its NAICS code is 524126 and its SIC code is 6331.