Allianz Trade in Poland

What Allianz Trade in Poland does

Allianz Trade in Poland operates as the Polish branch of Euler Hermes SA, a subsidiary of Allianz Group, commercially branded as Allianz Trade following a 2022 global rebrand. The entity delivers B2B trade credit insurance as its core product, underwriting receivables risk for Polish businesses ranging from small firms (minimum premium 1,250 PLN/month) through medium and large enterprises across verticals including transport & logistics, energy, pharmaceuticals, IT, construction, agriculture, and retail. Complementary offerings include insurance guarantees (surety bonds), factoring with embedded insurance protection, professional debt collection (IMX platform), fidelity and cyber-crime coverage, and detailed receivables analysis reports.

Underlying technology centers on the group's proprietary Credit Intelligence Network, which monitors daily solvency changes across 83+ million companies in 160+ countries representing 98% of global GDP. Client-facing infrastructure includes the Syntesys online service portal for policy management, an IMX collections platform, a two-minute online insurance calculator for SMB quoting, and an ROI calculator for credit limit decisions. The Polish entity leverages this group-level technology stack rather than operating independent technology infrastructure.

Commercially, Allianz Trade in Poland employs a hybrid go-to-market combining enterprise field sales for medium and large accounts with digital self-service tools for SMB acquisition. Revenue is generated through recurring insurance premiums, transaction-based factoring and collection fees, and subscription-style credit analysis reports. The branch benefits from the Allianz Group's S&P AA credit rating, 70,000+ global customers, and a stated 4.8/5 customer satisfaction score on 687 independent reviews. Strategic positioning is reinforced by a flagship 2026 partnership with Mastercard for B2B travel-related payment solutions and product extensions into cyber-crime coverage.

Name

Allianz Trade in Poland

Legal name

Euler Hermes SA spółka akcyjna oddział w Polsce

Website

https://allianz-trade.pl

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Allianz Trade in Poland is the Polish branch of Euler Hermes SA (Allianz Group), providing trade credit insurance, surety bonds, factoring, debt collection, and cyber/fidelity coverage to Polish B2B clients from SMBs to large enterprises across multiple industry verticals, leveraging the group's global Credit Intelligence Network.

Ownership category

akta.pro rank

Product category

Trade Credit Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351), Insurance Carriers, Nec (6399)

akta.pro primary industry

Trade Credit Insurance Brokerage (FSAEADAL)

akta.pro secondary industries

Customs & Excise Bonds (FSAJAIAH), Trade Finance, Export Credit & Risk Mitigation (BPADAMAG), Insurance Due Diligence & Transaction Risk Advisory (M&A, W&I) (FSAEADAM)

Keywords

• Trade credit insurance
• Insurance guarantees
• Receivables protection
• Debt collection services
• Business credit risk

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Trade Credit Insurance Premiums: Allianz Trade earns revenue through insurance premiums for trade credit insurance (receivables insurance), protecting companies against non-payment by buyers. Pricing is based on industry, turnover, and risk profile, with minimum premiums starting at 1,250 PLN monthly.
2. Insurance Guarantees (Bond Guarantees): Revenue generated from issuing insurance-backed guarantees that secure contract performance, protecting against contractor default without freezing company's own capital.
3. Factoring Services: Factoring with insurance combines financing and protection, allowing companies to unlock cash frozen in invoices while being protected against counterparty insolvency.
4. Debt Collection Services: Professional debt collection services provided by expert teams, generating fees for successful recovery of outstanding receivables.
5. Receivables Analysis and Credit Reports: Detailed commercial reports and analyses providing credit risk assessments of potential business partners, sold as standalone analytical services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Allianz Trade in Poland provides trade credit insurance (ubezpieczenie należności) that protects businesses against non-payment by their buyers, backed by a proprietary intelligence network monitoring 83+ million companies in 160+ countries. Complementary offerings include insurance guarantees (bond guarantees) for contract performance, factoring combined with insurance for cash flow, fidelity/cyber insurance against fraud and cybercrime, debt collection services, and receivables analysis reports for credit risk assessment.

Product overview

Allianz Trade operates as a multi-product B2B platform centered on trade credit insurance (ubezpieczenie należności) as its core offering. The platform combines the flagship Trade Receivables Insurance with complementary modules including Fidelity Insurance (sprzeniewierzenia), Cyber protection, Insurance Guarantees (gwarancje ubezpieczeniowe), and Factoring with Insurance. Additional services include Windykacja Należności (debt collection), Analizy Należności (receivables analysis), and World Program for international businesses. The digital infrastructure includes Syntesys online service portal, an online insurance calculator for instant quotes, and an ROI Kalkulator for credit limit decisions. The company serves multiple industry verticals including transport/logistics, energy, pharmaceuticals, construction, retail, and agriculture through both standard and specialized insurance solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Ubezpieczenie Należności (Trade Receivables Insurance) Trade credit insurance that protects Polish companies against losses from unpaid invoices by their buyers, ensuring financial stability and enabling businesses to safely offer extended payment terms and expand into new markets. Offered to small, medium, and large B2B customers across multiple industry verticals.
• Ubezpieczenie Sprzeniewierzenia (Fidelity Insurance) Insurance coverage protecting Polish businesses against financial losses from fraud, embezzlement, theft, counterfeiting, and malicious acts committed by employees or third parties.
• Gwarancje Ubezpieczeniowe (Insurance Guarantees) Insurance guarantees that secure contract fulfillment and increase business credibility, enabling Polish companies to participate in tenders and pursue ambitious projects without immobilizing their own capital.
• Faktoring z Ubezpieczeniem (Factoring with Insurance) Factoring combined with insurance protection that improves cash flow for Polish companies by releasing funds frozen in invoices while simultaneously protecting against counterparty insolvency risk.
• Windykacja Należności (Debt Collection Services) Professional debt collection services where Allianz Trade expert teams handle Polish receivables recovery professionally while maintaining business relationships with the debtor.
• World Program Coordinated multi-country trade credit insurance and receivables management coverage for international Polish companies requiring unified protection across multiple jurisdictions.

Quantifiable outcome

• Minimum premium starting at 1,250 PLN monthly for small businesses
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature4 records

Partnerships

One partnership is on record.

• MastercardflagshipStrategic or Co-development Partner · 30 June 2026Allianz Trade partnered with Mastercard to provide better support for B2B travel-related payments. This collaboration enables enhanced payment solutions for corporate travel management, combining Allianz Trade's trade credit insurance expertise with Mastercard's payment infrastructure.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Credendo: Credendo is a European trade credit insurer with strong presence in Belgium, Germany, and Central Europe, including Poland, offering credit insurance and surety - directly competing with Allianz Trade in the Polish mid-market and SME segments.
• Atradius: Atradius is a major global trade credit insurer (backed by Grupo Catalana Occidente and Allianz co-investors historically) and a direct peer offering credit insurance, collections, and surety across European markets including Poland.
• Coface: Coface is the second-largest global trade credit insurer, headquartered in France, and a direct competitor across credit insurance, surety, and receivables analytics. It operates a comparable customer model and competes head-to-head with Allianz Trade across the Polish market.
• Bibby Financial Services: Bibby Financial Services is a major European factoring and receivables-financing provider with Polish operations. It competes with Allianz Trade's "Factoring with Insurance" product and adjacent collections services in the Polish SME segment.

Others

• Munich Re: Munich Re is a leading global reinsurer that frequently takes quota-share and stop-loss positions on trade credit insurance portfolios. It is an ecosystem participant indirectly exposed to Allianz Trade's underwriting performance rather than a direct competitor.
• Marsh McLennan: Marsh is a global insurance brokerage that places trade credit insurance, surety, and commercial packages - including Allianz Trade products themselves - with corporate buyers. It is an ecosystem channel participant that influences competitive dynamics in the Polish market.

Broad incumbents

• AIG: AIG is a global commercial insurance carrier offering trade credit, political risk, and surety products through its Financial Lines business. It is a broad incumbent that competes for large Polish and multinational accounts alongside Allianz Trade.
• Zurich Insurance Group: Zurich is a broad commercial insurance carrier offering surety bonds, trade credit, and commercial property/casualty. It is a broad incumbent competing for the same mid-market and large-enterprise Polish customers via broker channels.
• Allianz Group: Allianz Group is the parent conglomerate and ultimate parent of Allianz Trade. While Allianz Trade operates in a specialized niche, broader Allianz entities (Allianz Polska, Allianz Commercial) sell overlapping commercial insurance products into the same Polish corporate customer base.

Regional players

• KUKE (Korporacja Ubezpieczeń Kredytów Eksportowych): KUKE is the Polish state-owned export credit insurer, dominant in supporting Polish exporters with credit insurance and guarantees. It is a regional peer offering overlapping products but with a state-backed mandate rather than commercial underwriting economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/allianz-trade-polska

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 Allianz Trade in Poland