iExpert.pl

What iExpert.pl does

iExpert.pl SA is a privately held Polish insurance broker and multi-agency distributor founded in 2009 and headquartered in Warsaw. The company specializes in professional liability insurance (OC zawodowe) for 15+ regulated professions in Poland, including lawyers, doctors, architects, accountants, tax advisors, real estate agents, property appraisers, physiotherapists, IT professionals, and sports instructors. Its core offering is the distribution of mandatory and voluntary OC policies alongside income loss protection insurance (ubezpieczenie utraty dochodu) that pays daily benefits up to 537 PLN when illness or accident prevents the insured from practicing their profession. Distribution is exclusively digital via the company's website, where customers calculate premiums, submit applications, pay, and receive policies by email, with a complementary partner agent network for advised sales.

The business model is commission-based: iExpert earns brokerage commissions on premiums distributed across multiple carrier partners, most prominently PZU (where it holds Strategic Partner status for 7 consecutive years), Lloyd's (as a Coverholder for specialty income-loss capacity), and UNIQA (for accountant OC with KSeF coverage). Underlying technology is an online insurance distribution platform with integrated quote calculation, application processing, and policy issuance systems. iExpert supplements its OC core with secondary personal lines (health, property, life, vehicle, sports, school, tenant) and generates leads via content marketing, SEO, and a presence on Facebook, LinkedIn, and YouTube. Recurring annual subscription pricing on professional policies, with product entry points as low as 226 PLN per year, supports a high-renewal, low-ticket revenue mix. Co-developed insurance programs with professional chambers and federations (IARP, KIRP, PFSRM, PTS, PZA, Stowarzyszenie Fizjoterapia Polska) form the primary customer acquisition channel for new cohorts.

Name

iExpert.pl

Legal name

iExpert.pl SA

Website

https://iexpert.pl

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

iExpert.pl SA is a Warsaw-based Polish insurance broker, founded in 2009, specializing in digital distribution of professional liability (OC) and income loss insurance for 15+ regulated professions, operating as a multi-agency partner of PZU and Lloyd's Coverholder.

Ownership category

akta.pro rank

Product category

Professional Liability Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Professional Liability (E&O) (FSAJAGAC), Professional Liability (Errors & Omissions) (FSAJADAB)

Keywords

• Professional liability insurance
• Insurance brokerage services
• Income loss insurance
• Online insurance distribution
• Specialized professional insurance

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance distribution commissions: iExpert.pl acts as a multi-agency insurance distributor earning commissions on insurance policies sold. The company specializes in professional liability insurance (OC zawodowe) and income loss insurance for various professional groups, distributing products from major insurers including PZU, UNIQA, and Lloyd's.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

iExpert.pl is an online insurance broker and multi-agency distributor specializing in professional liability (OC zawodowe) insurance for regulated professions in Poland. The company distributes mandatory and voluntary professional liability coverage, income loss protection insurance, and personal insurance products (health, property, vehicle, life, sports) exclusively through digital channels for individual professionals and consumers.

Product overview

iExpert.pl is a multi-agency insurance broker and digital platform specializing in professional liability insurance (OC zawodowe) for various regulated professions in Poland. The core offering includes mandatory and voluntary professional liability insurance covering professions such as lawyers, architects, accountants, doctors, tax advisors, real estate agents, property appraisers, and property managers. The platform also provides income loss protection insurance (ubezpieczenie utraty dochodu) for 15 professional groups, offering daily benefits up to 537 PLN. Secondary offerings include personal insurance products such as health, property, life, vehicle, sports, and travel insurance. The company operates as a strategic partner of PZU (Poland's largest insurer) and coverholder at Lloyd's, distributing insurance products exclusively through digital channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Ubezpieczenie OC zawodowe (Professional Liability Insurance)
• Ubezpieczenie utraty dochodu (Income Loss Insurance)
• Ubezpieczenia zdrowotne (Health Insurance)
• Ubezpieczenie nieruchomości (Property Insurance)
• Ubezpieczenie komunikacyjne (Vehicle Insurance)
• Ubezpieczenie na życie (Life Insurance)
• Ubezpieczenie szkolne (School Insurance)
• Ubezpieczenie rowerzysty (Bicyclist Insurance)
• Ubezpieczenia sportowe (Sports Insurance)
• Ubezpieczenie najemcy (Tenant Insurance)

Quantifiable outcome

• Nearly 3,000 customer reviews with average rating of 4.8/5

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Polska Federacja Stowarzyszeń Rzeczoznawców Majątkowych (PFSRM)coreStrategic or Co-development Partner · 24 June 2026Partnership with Polish Federation of Property Appraisers Associations to provide insurance programs for members. Two-year agreement includes increased coverage sums, competitive pricing, and specialized court expert coverage.
• Izba Architektów Rzeczypospolitej Polskiej (IARP)coreStrategic or Co-development Partner · 8 April 2024Partnership with Polish Chamber of Architects to provide specialized insurance programs for members. Includes mandatory OC, studio OC, income loss protection, and additional coverage benefits. New program for 2024/2025 offers improved terms.
• Polskie Towarzystwo Stomatologiczne (PTS)coreStrategic or Co-development Partner · 17 February 2021Partnership with Polish Dental Association to provide insurance packages for dentists, hygienists, and assistants including 5 risk coverage types.
• Polski Związek Alpinizmu (PZA)minorStrategic or Co-development Partner · 2 October 2015Partnership with Polish Mountaineering Association to provide insurance products for instructors and trainers, including the 'Safe Return' coverage and NNW accident insurance.
• Centrum Informacji KsięgowejminorGTM or Marketing Partner · 19 May 2015Marketing partnership providing mutual customers with discounts and preferential access to both iExpert.pl insurance and CIK services.
• Stowarzyszenie Fizjoterapia PolskacoreStrategic or Co-development Partner · 20 October 2014Partnership to provide the first specialized professional insurance program for physiotherapists in Poland, serving approximately 60,000 professionals and facilities.
• PZUcoreStrategic or Co-development PartnerPZU is the largest Polish insurer and iExpert.pl's primary insurance partner. iExpert.pl has been a Strategic Partner of PZU for 7 consecutive years, distributing professional liability insurance products and developing specialized programs for various professional groups.
• Lloyd'scoreStrategic or Co-development PartneriExpert.pl operates as a Coverholder at Lloyd's, distributing specialized insurance products including income loss protection through Lloyd's insurance market.
• UNIQAcoreStrategic or Co-development PartnerUNIQA provides professional liability insurance for accountants with specialized KSeF (National e-Invoice System) coverage. Insurance automatically updated to include KSeF-related activities at no additional cost.
• Krajowa Izba Radców Prawnych (KIRP)coreStrategic or Co-development PartnerGeneral Agreement partnership with Polish Chamber of Legal Advisers to provide OC insurance for legal advisors, with PZU and AXA as participating insurers.
• TU ZdrowieminorChannel Partner/ Reseller/ DistributorPartnership for distribution of private health insurance packages with e-registration capabilities in 31 cities through 70+ medical facilities.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ubezpieczeniaonline.pl: One of Poland's largest insurance aggregator and lead-generation platforms, comparable to iExpert in online multi-carrier distribution and traffic-driven insurance sales.
• Rankomat.pl: Polish online insurance aggregator and multi-carrier broker, comparable to iExpert for its digital-first, multi-carrier distribution model and broad product mix across motor, property, life, and personal lines.
• mubi.pl: Polish direct online insurance distributor selling motor, property, and life policies from multiple carriers. Compares to iExpert on the digital-only direct-to-consumer insurance distribution model serving Polish consumers.
• Superpolisa.pl: Polish online insurance broker distributing policies from multiple insurers across P&C and life. Direct competitor to iExpert in the digital insurance intermediation space in Poland.
• BIB Insurance Brokers (BIB Brokers): Polish specialty insurance broker active in professional liability, complex commercial, and association programs. Direct peer to iExpert in distributing regulated professional insurance via association/chamber partnerships in Poland.

Broad incumbents

• PZU: Largest Polish insurer and iExpert's primary distribution partner (7-year Strategic Partner). Compares because PZU is iExpert's anchor carrier and a broad incumbent in the same professional liability and personal lines categories it distributes.
• Marsh Poland: Global insurance broker with a Polish office covering commercial and specialty lines. Comparable to iExpert as a professional liability intermediary for corporate clients, though at a larger, enterprise scale.
• UNIQA: Major Polish/regional insurer offering P&C, health, and life products. Comparable as a carrier partner in iExpert's professional liability catalogue (e.g., UNIQA-backed accountant OC with KSeF coverage).
• Howden (Poland): International insurance broker with growing Polish presence in specialty and professional lines. Comparable to iExpert as a specialty broker placing professional liability cover for corporate and professional clients.
• Aon Poland: Global insurance and risk advisory broker serving Polish corporate clients across specialty and professional lines. Comparable to iExpert in placing professional liability coverage, particularly for larger institutional customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCo251lvqxhf46W8xHAHeOtQ
• Facebookfacebook.com/ubezpieczenia.iExpert
• LinkedInlinkedin.com/company/iexpert-pl

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 iExpert.pl