AL Ubezpieczenia

What AL Ubezpieczenia does

AL Ubezpieczenia (legal entity: AL Finance Sp. z o.o.) is a Polish multi-agency insurance broker founded in 2016 and headquartered at ul. Węglowa 9, Katowice, Śląskie. The company operates as an authorized agent distributing insurance products from three principal carriers — PZU S.A., InterRisk Towarzystwo Ubezpieczeń S.A., and AXA Partners CEE — across seven core lines: motor (komunikacyjne), home and property (dom i nieruchomości), business (firma), equipment/property (majątkowe), travel (podróżne), sports (sportowe), and renewable energy installations (OZE). It also distributes branded sub-products including PZU Wojażer (travel) and Eko Energia (renewable energy). The underlying "technology" is a digitalized/remote sales workflow rather than proprietary software: a four-step process (Contact → Analysis → Offer → Policy) executed via email ([email protected]) and the company website, with no mobile app, public API, or disclosed proprietary platform.

The company serves a hybrid customer base anchored by two channels. The primary B2B channel is a referral partnership with Alior Leasing, through which business clients of the leasing company are funneled toward vehicle fleet, property, and commercial coverage. The second channel targets individual consumers and SMBs — including agricultural farms and owners of solar/heat pump installations — who contact the broker directly for personalized quotes across home, travel, sports, motor, and small-business policies. The business model is pure commission-based brokerage: AL Finance places policies with the underlying carriers and earns affiliate/referral commissions. No public pricing, premium tiers, or subscription fees are disclosed; every policy is quote-based on individual risk. The firm is privately held with 1–10 employees, no disclosed investors, no funding rounds, no M&A activity, and no subsidiaries; it operates exclusively in Poland.

Customer-facing operations are remote and paperless. The broker is a member of the Związek Przedsiębiorstw Finansowych (ZPF), the Polish Association of Financial Enterprises, and publishes standard regulatory documentation (distributor information, privacy policy, whistleblower policy, human rights policy, ethics policy). All three carrier partners provide on-record testimonials endorsing the agency's professionalism and sales performance. There is no indication of patents, proprietary algorithms, AI/ML systems, mobile applications, or any technology assets beyond the Wix-hosted marketing website and email-driven sales workflow.

Name

AL Ubezpieczenia

Legal name

AL Finance Sp. z o.o.

Website

https://alubezpieczenia.pl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

AL Ubezpieczenia is a Katowice-based Polish multi-agency insurance broker founded in 2016, distributing PZU, InterRisk, and AXA Partners policies to Alior Leasing business clients and individual consumers across motor, home, business, travel, sports, and renewable-energy lines via a remote, digitalized sales process.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance brokerage
• Multi-agency insurance
• Commercial insurance
• Property insurance
• Insurance distribution

Headquarters

HQ city

Katowice, Śląskie

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

Revenue model

1. Insurance Commission: As a multi-agency insurance broker (multiagencja ubezpieczeniowa), AL Finance earns commissions from insurance companies for placing policies with customers. The company represents multiple insurance providers (PZU, InterRisk, AXA Partners) and earns revenue through insurance product distribution.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

AL Ubezpieczenia is a multi-agency insurance broker (AL Finance Sp. z o.o.) that distributes insurance products from multiple partner insurers — PZU S.A., InterRisk, and AXA Partners CEE — to both business clients referred via Alior Leasing and individual consumers across Poland. It offers seven main insurance categories: vehicle, home/property, business, property, travel, sports, and renewable energy insurance, with a four-step digitalized sales process (contact, analysis, offer, policy) executed remotely.

Product overview

AL Ubezpieczenia (AL Finance) is a multi-agency insurance brokerage operating since 2016, offering a comprehensive portfolio of insurance products through digitized sales processes. The core offering consists of seven main insurance categories: vehicle insurance (Ubezpieczenie komununikacyjne), home and property insurance (Dom i mieszkanie), business insurance (Ubezpieczenie firmy), property insurance (Ubezpieczenia majątkowe), travel insurance (Ubezpieczenie podróżne), sports insurance (Ubezpieczenie sportowe), and renewable energy insurance (Ubezpieczenie OZE). The company distributes branded sub-products including PZU Wojażer (travel insurance) and Eko Energia (renewable energy insurance), working with partner insurance companies PZU S.A., InterRisk, and AXA Partners CEE. Services are tailored for both Alior Leasing business clients and individual customers, with remote processing and quick response times.

Differentiator

Problem solved

Functional benefit

Products and services

• Ubezpieczenie komunikacyjne (Vehicle Insurance) Vehicle insurance coverage for clients of Alior Leasing and individual customers, providing protection for cars and other vehicles. Distributed as a core product through the multi-agency arrangement with PZU, InterRisk, and AXA Partners.
• Ubezpieczenie domu i nieruchomości (Home and Property Insurance) Home and property insurance covering residential buildings, apartments, and household contents against risks such as fire, flood, theft, and accidental damage. Targeted at individual property owners across Poland.
• Ubezpieczenie firmy (Business Insurance) Business insurance providing comprehensive protection for corporate assets (movable and immovable property), employees, vehicles, and agricultural farms, including coverage for cyber risks and data leakage. Targeted at SMEs and enterprise clients.
• Ubezpieczenia majątkowe (Property Insurance) Property insurance covering machinery, equipment, electronics, and business assets against damage, destruction, or loss during operation, installation, repair, and maintenance. Targeted at businesses with significant physical assets.
• Ubezpieczenie podróżne (Travel Insurance) Travel insurance providing medical assistance, treatment costs, rescue operations, medical transport, and coverage for baggage, trip cancellation, and private liability during domestic and international travel. Targeted at individual travelers.
• Ubezpieczenie sportowe (Sports Insurance) Sports insurance for amateur, professional, and competitive athletes, coaches, and sports organizations, covering health, life, sports equipment, and liability during sporting activities. Offered individually or in groups for clubs, foundations, and associations.
• Ubezpieczenie OZE (Renewable Energy Insurance) Specialized insurance for renewable energy installations including solar panels, photovoltaic systems, and heat pumps, covering equipment damage, production interruption, and all-risk protection. Targeted at owners of renewable energy installations.
• PZU Wojażer (Branded Travel Insurance) Branded travel insurance product from PZU S.A. distributed through AL Ubezpieczenia, covering medical treatment, transport, accommodation, search and rescue operations, COVID-19 complications, and chronic disease exacerbations during travel.
• Eko Energia (Renewable Energy Insurance) Stand-alone insurance product for renewable energy sources providing reimbursement for repair or reconstruction of devices damaged or lost due to insured events, with coverage for solar, photovoltaic, and heat pump installations.

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Alior LeasingcoreChannel Partner/ Reseller/ DistributorAL Finance operates as an official 'Partner Alior Leasing', providing insurance products to Alior Leasing customers. This partnership serves as the primary B2B distribution channel for business insurance products including vehicle, property, and commercial coverage.
• PZU S.A.coreChannel Partner/ Reseller/ DistributorAL Finance is an authorized agent for PZU S.A. insurance products. PZU testimonial states: 'AL Finance very dynamically develops sales of PZU S.A. insurance products. The multi-agency is characterized by full professionalism and commitment.' Recommended as Agent for PZU Group products.
• InterRisk Towarzystwo Ubezpieczeń S.A.coreChannel Partner/ Reseller/ DistributorAL Finance is an authorized agent for InterRisk insurance products. InterRisk states: 'AL Finance Sp. z o.o. has become a significant contractor and professional and reliable business partner for InterRisk. The collaboration is fruitful and satisfying. The agency contributes to significant improvement of insurance protection for its clients.'
• AXA Partners CEEcoreChannel Partner/ Reseller/ DistributorAL Finance is an authorized agent for AXA Partners CEE insurance products. AXA states: 'We can fully confirm that the collaboration with AL Finance Sp. o. o. is characterized by professionalism, conscientious fulfillment of agency duties, as well as an active attitude in undertaking sales support activities.'
• Związek Przedsiębiorstw Finansowych (ZPF)minorOthersAL Finance is a member of the Association of Financial Enterprises (ZPF), which brings together dozens of key enterprises of the Polish financial market. Located at www.zpf.pl.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• PZU S.A. Poland's largest insurance carrier and a direct distribution competitor. PZU is simultaneously a key agency partner for AL Finance and a broad incumbent whose direct-sales and own multi-agency channels compete for the same end customers.
• Marsh Sp. z o.o. (Marsh Poland): Polish arm of a global insurance broker; competes with AL Finance for the commercial/SME B2B book with a broader portfolio and international capabilities — useful comparable for an eventual acquisition or partnership scenario.
• Wiener (Vienna Life) Poland: Polish insurer with multi-agency distribution for life and non-life products. Comparable as an incumbent carrier whose agency network overlaps with AL Finance's distribution and product breadth.
• InterRisk Towarzystwo Ubezpieczeń S.A. Polish insurance carrier and a direct agency partner of AL Finance. Functions as an incumbent in the commercial and specialty lines AL Finance distributes, including agricultural, property and renewable-energy cover.

Direct peers

• Rankomat.pl: Leading Polish insurance aggregator placing policies from multiple insurers and offering rapid online quotes. Directly comparable in being a digital multi-carrier intermediary in the Polish personal-lines market.
• mubi.pl: Polish online multi-agency and insurance comparison platform distributing policies from multiple carriers via digital channels. Comparable as a multi-carrier Polish broker with a digital sales model and overlapping product set (motor, property, travel).
• CUK Ubezpieczenia: One of the largest multi-agency insurance brokers in Poland, distributing motor, property and life insurance from multiple carriers to retail and business customers — directly comparable multi-line, multi-carrier broker model targeting the same Polish end market.
• Ubezpieczenia-online.pl (Ubea): Polish online insurance broker distributing motor, property and travel policies from multiple carriers. Directly overlaps AL Finance's product mix and remote, digital-first service model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/al-ubezpieczenia

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 AL Ubezpieczenia