Arrant Ubezpieczenia

What Arrant Ubezpieczenia does

Arrant Ubezpieczenia (legal entity: Arrant Sp. z o.o.) is a Polish multi-agency insurance distributor founded in 2014 through the consolidation of major insurance distribution entities. The company operates a platform model that enables over 2,000 independent insurance agents across Poland to access products from more than 20 insurance carriers, including PZU, Warta, ERGO Hestia, Allianz, Generali, AXA, Link4, Compensa, Uniqa, and others. Coverage spans life, property, motor (OC/AC/NNW), travel, corporate, and group insurance products.

The company has built a proprietary technology stack to support its agent network. Key tools include Skaner 2.0 for cross-carrier motor insurance price comparison, ETERnet (an intranet combining knowledge base, training module, and collaboration functions), APK (Analiza Potrzeb Klienta) for regulatory-compliant electronic customer needs analysis, and the Agent Arrant mobile application providing 24/7 office access. Through its 2022 partnership with Punkta, Arrant gained access to additional tools including Sonda (scope comparison) and FitLinia (proprietary product line), as well as online leads from Punkta's digital channels.

Arrant generates revenue through commissions on insurance policies placed by its agent network. With only 23 internal staff, the business is highly leveraged on the 2,000+ agent distribution layer and carrier commission economics. In January 2025, Arrant became part of CUK Ubezpieczenia following the acquisition of 100% of the retail segment of Grupa Punkta (UOKiK-approved). Following this transaction, in July 2025, founder and former CEO Artur Pakuła and board member Rafał Trzyna resigned, with Arkadiusz Saganowski (formerly head of the Sales Support Office) and Aleksander Rozman (finance specialist) appointed to lead the new board under Chairman Jacek Byliński.

Name

Arrant Ubezpieczenia

Legal name

Arrant Spółka z ograniczoną odpowiedzialnością

Website

https://arrant.pl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Polish multi-agency insurance distributor providing over 2,000 independent agents access to 20+ insurance carriers through proprietary technology, earning commission on policies across life, motor, property, and corporate lines.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Distribution

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Multi-agency insurance distribution
• Insurance brokerage services
• Agent support platform
• Insurance product comparison
• Commission-based insurance

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. Insurance Commission: Revenue generated through commissions from insurance policies sold by the network of over 2000 agents. Agents access multiple insurance providers through the multi-agency platform and earn commissions on policies placed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Arrant Ubezpieczenia is a multi-agency insurance distributor that offers products from over 20 insurance companies through a network of more than 2,000 independent insurance agents across Poland. It provides agents with proprietary technology tools (Skaner 2.0 price comparison, ETERnet intranet, APK customer needs analysis, Agent Arrant mobile app), training, sales and administrative support, and commissions. Insurance offerings include life, property, motor (OC/AC/NNW), travel, corporate, and group insurance.

Product overview

Arrant is a multi-agency insurance distributor (multiagencja ubezpieczeniowa) offering insurance products from multiple insurance companies. The offering consists of proprietary agent tools (ETERnet for internal communication and knowledge management, APK for customer need analysis, Skaner 2.0 for price comparison, and Agent Arrant mobile application) combined with a wide range of insurance products including life, property, motor, travel, corporate, and group insurance distributed through over 2,000 insurance agents across Poland. The company provides agents with sales support, administrative services, and commission settlement through its technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Agency Insurance Distribution Services
• Insurance Products Portfolio
• Agent Partnership and Support Services
• Agent Arrant Mobile Application

Quantifiable outcome

• Network of over 2000 professional insurance agents
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

17 partnerships are on record, tiered core, minor and major.

• PunktacoreStrategic or Co-development Partner · 1 August 2022Strategic partnership announced August 2022. Both entities maintain organizational and identity separateness. Combined premium portfolio exceeds 1 billion PLN in 2022 with joint target of 2 billion PLN. Arrant gains access to Punkta's technology systems (Skaner, Sonda, FitLinia) and online customer leads through omnichannel strategy. Pollen Street Capital becomes shareholder in Arrant while Artur Pakuła retains controlling stake.
• Fundacja AgenorminorOthersCharitable partnership supporting caregivers and their children under the foundation's care. Arrant was among the first donors, providing insurance policies for several mothers through the foundation project.
• ERGO HestiamajorChannel Partner/ Reseller/ DistributorMajor insurance provider whose products are distributed through the Arrant multi-agency network. Strong ongoing partnership including joint events, training, and certification programs.
• PZUmajorChannel Partner/ Reseller/ DistributorMajor Polish insurance company whose products are distributed through the Arrant multi-agency network.
• WartamajorChannel Partner/ Reseller/ DistributorMajor Polish insurance company (TU Warta) whose products are distributed through the Arrant multi-agency network. Active joint marketing campaigns and competitions with agents.
• AXAmajorChannel Partner/ Reseller/ DistributorInternational insurance company with partnership through AXA Prestige Partner Club. Joint sailing regatta events organized.
• AllianzmajorChannel Partner/ Reseller/ DistributorInternational insurance company whose products are distributed through the Arrant multi-agency network.
• GeneralimajorChannel Partner/ Reseller/ DistributorMajor international insurance company whose products are distributed through the Arrant multi-agency network.
• Link4majorChannel Partner/ Reseller/ DistributorDirect insurance brand whose products are distributed through the Arrant multi-agency network.
• CompensamajorChannel Partner/ Reseller/ DistributorInsurance company whose products are distributed through the Arrant multi-agency network.
• InterRiskmajorChannel Partner/ Reseller/ DistributorInsurance company whose products are distributed through the Arrant multi-agency network.
• ProamamajorChannel Partner/ Reseller/ DistributorDirect insurance brand whose products are distributed through the Arrant multi-agency network.
• UniqamajorChannel Partner/ Reseller/ DistributorInsurance company whose products are distributed through the Arrant multi-agency network.
• TUZmajorChannel Partner/ Reseller/ DistributorInsurance company whose products are distributed through the Arrant multi-agency network.
• Signal IdunamajorChannel Partner/ Reseller/ DistributorInsurance company whose products are distributed through the Arrant multi-agency network.
• Lloyd's (LLOYDS)majorChannel Partner/ Reseller/ DistributorInternational insurance market offering specialized products available through Arrant network.
• Lux MedmajorChannel Partner/ Reseller/ DistributorHealthcare provider whose supplementary services are available through Arrant network.

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• mFind / Ubezpieczenia-online.pl: mFind (with ubezpieczenia-online.pl) is a major Polish online insurance comparison and broker platform. Comparable to Arrant on the digital insurance-distribution side of the hybrid model; competes for end customers that Arrant's agents also serve.
• RANKOMAT.pl: RANKOMAT is a leading Polish insurance comparison platform. Not a multi-agency itself, but directly competes for the same end-customer insurance buyers and overlapping with the digital lead-generation side of Arrant's hybrid distribution model.

Direct peers

• Punkta sp. z o.o. Punkta is Arrant's strategic partner and former sister company within Grupa Punkta before the CUK acquisition. Both operate Polish insurance distribution platforms (multi-agency + comparison/online leads), serve agents and end customers, and jointly target 2 billion PLN in premium volume. Highest comparability.
• CUK Ubezpieczenia: CUK Ubezpieczenia is Arrant's parent company following the Jan 2025 acquisition and one of Poland's largest multi-agency insurance distributors. Same multi-agency distribution model, same Polish market, overlapping carrier partnerships — essentially a direct peer and now owner.
• Supera Ubezpieczenia: Supera is a Polish multi-agency insurance distributor operating an agent network with multiple carrier partnerships. Same model, same market, similar size bracket — directly comparable as a competing multi-agency.
• Profi Insurance sp. z o.o. Profi Insurance is another Polish multi-agency insurance distributor, also part of the CUK/Punkta Group acquisition bundle alongside Arrant. Operates in the same product space, sells multiple carrier products through an agent network, and now sits under common ownership.

Broad incumbents

• Aon Poland: Aon operates insurance brokerage and risk advisory services in Poland. Overlapping with Arrant's intermediation role, but oriented toward larger corporate accounts and broader consulting engagements rather than agent-network mass distribution.
• Willis Towers Watson: WTW provides insurance brokerage and risk management services globally including Poland. Comparable as an insurance intermediary but in a much higher-end, corporate client segment vs. Arrant's SMB/retail agent focus.
• Link4 (part of PZU Group): Link4 is one of the carrier partners that Arrant distributes for. A direct insurance carrier in the Polish market means Link4 has both carrier and distribution functions; less comparable as a peer but relevant as a partner/competitor across adjacent distribution channels.
• Marsh McLennan: Marsh is the world's largest insurance brokerage and risk advisor, with operations in Poland. While it focuses on large commercial clients and corporate brokerage, the core business of insurance intermediation (without underwriting risk) is the same as Arrant's.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Arrant.multiagencja
• LinkedInlinkedin.com/company/arrant

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Arrant Ubezpieczenia