Q Broker sp. z o.o.

What Q Broker sp. z o.o. does

Q Broker sp. z o.o. is a Polish independent insurance brokerage founded in 2016 and headquartered in Warsaw, with a secondary office in Lublin. The firm operates under KNF license number 2240/16 and specializes in distributing group life insurance and private medical care to Polish companies with 50 or more employees. It serves more than 600 corporate clients covering approximately 54,000 insured employees across sectors including construction, logistics, manufacturing, healthcare, IT, retail, driving education, and paints and coatings.

The firm runs a broker-led delivery model with 22 employees, of whom 16 hold insurance broker licenses, an unusually high licensed-to-total ratio. Operational metrics reported include a 96% client renewal rate and 88% of client matters resolved within 24 hours. The business relies on multi-carrier placement across Polish insurers rather than on proprietary technology platforms or automation systems, and no AI or machine learning capabilities are disclosed.

Q Broker generates revenue through commissions paid by insurance carriers rather than fees charged to clients, consistent with the Polish Insurance Distribution Act. The company is led by CEO Wiesław Mróz, Vice President Kamil Truszkowski, and Board Member Piotr Kaczorowski. No external funding rounds, acquisitions, or major strategic transactions are disclosed in the available data.

Name

Q Broker sp. z o.o.

Legal name

Q Broker sp. z o.o.

Website

https://qbroker.pl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Q Broker sp. z o.o. is a Warsaw-based, KNF-licensed independent insurance brokerage founded in 2016 that distributes group life and private medical care to Polish companies with 50-plus employees, serving more than 600 clients covering approximately 54,000 employees.

Ownership category

akta.pro rank

Product category

Corporate Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industries

Basic Group Term Life (Employer-Paid) (FSAIADAA), Supplemental/Voluntary Group Term Life (Employee-Paid) (FSAIADAB)

Keywords

• Corporate insurance brokerage
• Group life insurance
• Employee benefits brokerage
• Independent insurance intermediary
• Private medical care brokerage

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Q Broker acts as an independent insurance broker representing the client's interests. The company receives commissions (kurtaż brokerski) paid directly by insurance companies (towarzystwa ubezpieczeniowe) upon placement and renewal of group insurance and medical care policies. Services to clients are free of charge — under Polish insurance distribution law, the cost of the broker's activities is borne by the insurance companies. Revenue is therefore commission-based, recurring on policy renewals, and tied to premium volumes placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Q Broker sp. z o.o. is an independent Polish insurance broker that intermediates the purchase and administration of corporate group insurance policies on behalf of business clients. Its core products are group life insurance and private medical care packages for companies with 50+ employees, complemented by property, motor, and financial insurance lines. The broker manages the full lifecycle: needs audit, multi-insurer tender, policy recommendation, implementation, and ongoing claims support, with services provided at no direct cost to clients because commissions are paid by the insurance carriers.

Product overview

Q Broker is an independent insurance intermediary offering a portfolio of corporate insurance and employee benefits services. The core offering consists of group life insurance and private medical care programs, which are complemented by property, motor, and financial insurance products. The company's service model follows a structured A-to-Z process encompassing audit of needs, power of attorney handling, bidding across multiple insurers, recommendation analysis, policy implementation, and ongoing claim management. All services are provided at no cost to clients, with broker compensation paid by insurance companies under Polish insurance distribution law.

Differentiator

Problem solved

Functional benefit

Products and services

• Group Life Insurance (Ubezpieczenia grupowe na życie) Group life insurance programs for companies, providing coverage for death, serious illness, hospitalization, surgical operations, and related health incidents for employees and their families.
• Medical Care / Private Healthcare (Opieka medyczna) Private medical care packages for companies, providing employees access to specialists, outpatient care, hospitals, and health assistance services through partnered healthcare providers.
• Property Insurance (Ubezpieczenia majątkowe) Corporate property insurance coverage including protection against theft, burglary, vandalism, and damage to business assets and property.
• Motor/Vehicle Insurance (Ubezpieczenia komunikacyjne) Fleet and individual corporate vehicle insurance programs covering motor liability and vehicle damage.
• Financial Insurance (Ubezpieczenia finansowe) Insurance products covering financial risks, professional liability, and fidelity guarantees for businesses.
• Brokerage Audit Services (Bezpłatny audyt polisy) Free policy audit service analyzing existing insurance coverage and needs, identifying gaps and optimization opportunities for corporate clients.

Quantifiable outcome

• 96% of clients renew their cooperation annually
• +2 more outcomes

Named customers9 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Komisja Nadzoru Finansowego (KNF)coreOthersQ Broker holds a brokerage license (Zezwolenie KNF: 2240/16) issued by the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego). KNF is the regulatory body that authorizes, registers, and supervises insurance brokers in Poland under the Ustawa o dystrybucji ubezpieczeń.

Scale indicators6 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Arthur J. Gallagher (AJG): Arthur J. Gallagher is one of the largest global insurance brokerages with an active CEE expansion strategy including Poland. It offers commercial P&C and employee benefits brokerage comparable to Q Broker's core offerings, but at global scale and with broader specialty lines.
• Marsh (Marsh & McLennan): Marsh is one of the world's largest insurance brokers and risk advisors, with a significant Polish operation offering commercial P&C, employee benefits, and risk consulting to large and mid-market clients. It overlaps directly with Q Broker on corporate insurance placement but at vastly greater scale and global reach.
• Willis Towers Watson (WTW): WTW is a global advisory, broking, and solutions firm with Polish operations delivering commercial insurance brokerage, employee benefits, and actuarial consulting. It is comparable to Q Broker on corporate benefits and commercial lines placement, though WTW operates globally with deeper enterprise relationships.
• Aon: Aon is a global professional services firm providing insurance brokerage, reinsurance brokerage, and HR consulting across Poland. It competes with Q Broker for mid-market and large corporate accounts in commercial insurance and employee benefits, but as part of a much broader global risk and people-solutions portfolio.
• Lockton: Lockton is the world's largest privately held insurance brokerage, with operations in Poland serving mid-market and large corporate clients across commercial lines and employee benefits. It is comparable to Q Broker in its client-segment focus and private ownership, though at far greater scale.
• Howden: Howden is a global insurance broker with a strong CEE and emerging-markets growth strategy, including Polish operations. It competes with Q Broker in commercial insurance placement and employee benefits for mid-market and corporate clients, and shares an entrepreneurial, partnership-driven culture.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/q-broker-sp.-z-o.o.

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 Q Broker sp. z o.o.