STBU

What STBU does

STBU Brokerzy Ubezpieczeniowi Sp. z o.o. is a Polish insurance brokerage firm founded in 1998 and headquartered in Sopot, operating as part of Grupa MAK. The company arranges tailored insurance programs for 1,370 insured companies across specialized verticals including transport, forwarding and logistics (TSL), maritime and shipbuilding, aviation, manufacturing, construction, IT, local government units (JST), sports organizations, waste management, and residential communities. STBU employs 85 insurance brokers supported by over 250 professionals across the broader MAK-STBU Group, with regional offices in Warsaw, Rzeszów, and Gliwice providing nationwide coverage.

The company's product portfolio centers on placing liability (OC) and property policies with insurers on behalf of clients, complemented by specialized solutions such as charterer's liability, cargo, employee liability, criminal-fiscal liability, customs agency liability, driver liability (OCK), cyber, environmental liability, fleet management, and mutual insurance structures for JST. STBU augments brokerage with proprietary risk-engineering services (Prewencyjne Wsparcie Inżynierskie / Preventive Engineering Support), an internal safety monitoring platform called "Radar Bezpieczeństwa," an online claims reporting portal (EfSal), and an educational podcast ("Na wszelki wypadek"). The firm carries a 27 million EUR professional liability policy to back its brokerage activities.

STBU earns revenue through commissions paid by insurance carriers for placing coverage, with pricing determined per client via consultative risk assessment and quote-based engagement. Distribution is exclusively direct and human-mediated through the broker team, supported by content marketing, social media, and industry-specific thought leadership. Documented outcomes include arranging a 262 million USD single-project sum in 2019, insuring a 400 million PLN vessel under construction in 2025, and recovering over 71.5 million PLN in claims for clients in 2025.

Name

STBU

Legal name

STBU Brokerzy Ubezpieczeniowi Sp. z o.o.

Website

https://stbu.pl

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

STBU is a Polish insurance brokerage founded in 1998 and part of Grupa MAK, placing tailored coverage for 1,370 companies across maritime, TSL, aviation, JST, and other specialized sectors via 85 brokers across four Polish offices.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Liability (Errors & Omissions) (FSAJADAB)

Keywords

• Commercial insurance brokerage
• Corporate risk management
• Liability insurance solutions
• Transport logistics insurance
• Maritime insurance services

Headquarters

HQ city

Sopot

HQ country

Poland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: STBU earns revenue through commissions paid by insurance companies (underwriters) for placing insurance policies on behalf of clients. As a licensed insurance broker, STBU represents clients — not insurers — and is compensated by insurers for bringing them business. This is the primary revenue stream for a brokerage firm of this type.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

STBU is a licensed insurance brokerage that designs and places tailored commercial insurance programs for Polish businesses, municipalities, and organizations across specialized sectors (aviation, manufacturing, construction, TSL, IT, maritime, sports, waste management). The firm conducts on-site risk audits, structures multi-line coverage with insurers, and supports clients through claims recovery via its proprietary EfSal portal and 85-broker team.

Product overview

STBU Brokerzy Ubezpieczeniowi is an insurance brokerage firm operating as part of the MAK Group. The company offers a comprehensive portfolio of insurance products organized by industry sectors (aviation, manufacturing, construction, local government, TSL/transport-logistics, IT) and specialized solutions (cyber insurance, environmental protection, fleet management, risk assessment audits). Their core offering consists of liability insurance products (OC Czarterującego, cargo insurance, employee liability, criminal-fiscal liability, customs agency liability, driver liability) and property insurance programs. The company also provides value-added services including engineering risk assessments, preventive support, and group purchasing programs. They distinguish themselves through specialized expertise in marine insurance, sports organizations, and mutual insurance solutions for public sector entities.

Differentiator

Problem solved

Functional benefit

Products and services

• Aviation Insurance (Ubezpieczenia Lotnicze)

Quantifiable outcome

• 71.5M PLN in claims recovered for clients in 2025
• +3 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Grupa MAK (MAK Ubezpieczenia)coreStrategic or Co-development PartnerSTBU is part of the MAK Group (Grupa MAK), a larger insurance brokerage group operating in Poland. Grupa MAK serves as STBU's parent organization, providing scale, shared resources, and cross-referrals. Together, the MAK-STBU Group employs over 250 professionals. STBU's website links to makubezpieczenia.pl as a related group entity. This is a strategic consolidation of brokerage expertise across Poland.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Aon: Global insurance and reinsurance broker; competes with STBU across corporate risk, marine, aviation, and JST-type public-sector clients, offering broader analytics and international capacity.
• Marsh: Global insurance brokerage and risk advisory firm with a Polish presence; competes with STBU for large commercial and specialty placements (including marine and aviation) but operates a much broader international platform.
• Lockton: Largest independent global insurance brokerage; competes with STBU in specialty and mid-market commercial placements and offers comparable consultative brokerage services.
• Willis Towers Watson: Global advisory and brokerage firm with a strong specialty and reinsurance practice; comparable to STBU on placement of complex, high-value risks in marine, aviation, and large construction projects.
• Arthur J. Gallagher: Major global insurance brokerage with growing Central European operations; competes with STBU for mid-market and enterprise commercial accounts across property, casualty, and specialty lines.

Regional players

• Howden Poland: European-focused specialty insurance broker with Polish operations; competes with STBU particularly in marine, aviation, and other specialty placements requiring international capacity.

Direct peers

• Mentor SA: Polish insurance brokerage firm serving corporate and institutional clients with multi-line risk solutions; competes head-to-head with STBU across mid-market and specialty Polish accounts.
• Grupa MAK (MAK Ubezpieczenia): Parent organization of STBU and a Polish insurance brokerage in its own right; provides directly overlapping brokerage services, shared resources, and cross-referrals, making it the closest structural peer.
• Renomia: One of the largest independent insurance brokers in Poland, providing multi-line corporate brokerage across TSL, construction, manufacturing, and public-sector clients — directly comparable to STBU in market, customer profile, and consultative distribution model.

Others

• PZU (brokerage and corporate lines): Poland's largest insurer, which also distributes corporate and group programs; not a pure broker, but a structural counterpart in the Polish risk-transfer ecosystem and a key carrier-counterparty for brokers like STBU.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCFGP8KNW5JqEh9AcjEZHrog
• Facebookfacebook.com/STBU-103444512051373
• LinkedInlinkedin.com/company/stbu
• Instagraminstagram.com/stbu_brokerzy_ubezpieczeniowi

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

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 STBU