InterRisk

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.

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

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

• Property casualty insurance
• Motor insurance Poland
• Agricultural insurance
• Group insurance products
• Commercial insurance SME

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Core 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

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Vienna Insurance GroupcoreStrategic or Co-development Partner · 1 January 1993InterRisk 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

Direct 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

• Instagraminstagram.com/interrisk_ubezpieczenia
• LinkedInlinkedin.com/company/interrisk-tu-sa-vienna-insurance-group

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 InterRisk