Viviamo Ubezpieczamy

What Viviamo Ubezpieczamy does

Viviamo Ubezpieczamy (legal entity: VIVIAMO Sp. z o.o.) is a Polish multi-agency insurance intermediary founded in 2013 and headquartered in Gorzów Wielkopolski. The company operates a nationwide franchise network of 129 offices distributed across all 16 Polish voivodeships, providing individual consumers and SMBs with access to insurance products from over 40 carriers, including PZU, Warta, Ergo Hestia, Generali, and Wiener. Viviamo's product portfolio spans seven core categories: vehicle, home/apartment, travel, life, health, business, and agricultural insurance, with revenue generated through carrier commissions on policies sold through the franchise channel.

The company's operating model is franchise-based: independent agents open offices under the Viviamo brand following a standardized 5-step onboarding process (meeting, location selection, contract signing, fit-out, opening), with agents able to begin generating commission within approximately 5 weeks. Viviamo's central office provides franchisees with training, marketing materials, the UniAgent portal (a quote-management platform inherited from the Unilink Group), and the third-party Insly insurance comparison tool. The head office itself employs only ~33 staff; franchise offices are independently operated and not consolidated for revenue purposes.

Since November 2023, Viviamo has been a wholly owned subsidiary of Unilink S.A., the leading insurance distribution group in Poland and Central Europe. Viviamo rebranded as 'Viviamo Grupa Unilink' in April 2025. Current leadership comprises Tomasz Tobór (President of the Management Board, appointed April 2024) and Laura Byczkowska (President of Viviamo and LGK). The founder, Jarosław Łoń, transitioned operational leadership upon the acquisition. Cumulative scale signals include 400,000+ policies managed through the network and 60,000+ recorded agent conversations.

Name

Viviamo Ubezpieczamy

Legal name

VIVIAMO Sp. z o.o.

Website

https://viviamo.pl

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Viviamo Ubezpieczamy is a Polish multi-agency insurance franchise network operating 129 offices nationwide, distributing policies from 40+ carriers to individual consumers and SMBs across vehicle, home, life, health, travel, business, and agricultural lines, and owned by the Unilink Group since November 2023.

Ownership category

akta.pro rank

Product category

Insurance Distribution (Multi-Agency 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

Insurance Leads, Introducers & Referral Networks (FSAEAMAB), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Multi-agency insurance
• Insurance distribution
• Franchise insurance network
• Insurance brokerage services
• Personal and business insurance

Headquarters

HQ city

Gorzów Wielkopolski

HQ country

Poland

HQ region

Europe

Offices20 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance commission: Viviamo earns revenue through commissions from insurance companies for policies sold through its franchise network. The multi-agency model allows offering products from multiple insurers, creating commission-based revenue streams from both individual and business insurance products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Viviamo Ubezpieczamy distributes a comprehensive portfolio of insurance products — vehicle, home and apartment, travel, life, health, business, and agricultural insurance — through a nationwide franchise network of 129 offices in Poland, offering customers access to policies from more than 40 insurance companies. The company earns commission-based revenue by acting as a multi-agency broker connecting individual and business clients with multiple insurers via local franchise offices and digital tools such as the UniAgent portal and the Insly comparison system.

Product overview

Viviamo Ubezpieczamy is a nationwide multi-agency insurance network offering a comprehensive portfolio of insurance products through a franchise model. The company provides seven core insurance product categories: Samochód (vehicle), Dom i mieszkanie (home/apartment), Podróż (travel), Na życie (life), Na zdrowie (health), Biznesowe (business), and Rolne (agricultural). These products are distributed through a network of 129 physical offices across Poland operating under a franchise model, with agents accessing the portfolio via the UniAgent digital platform that provides comparison tools and sales support. The company operates as part of the Unilink Group following acquisition in November 2023.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Insurance (Ubezpieczenie Samochodu)

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and major.

• Unilink S.A.coreStrategic or Co-development Partner · 7 November 2023In November 2023, Unilink S.A. acquired 100% of LGK/Viviamo shares. Viviamo is now part of the Unilink Group - a leader in the Polish and Central European insurance distribution market. This acquisition combines the strengths of both agencies to build further competitive advantage. Laura Byczkowska became the new President of Viviamo and LGK.
• PZUcoreChannel Partner/ Reseller/ DistributorPZU is one of the largest insurance companies in Poland. PZU representatives actively support new Viviamo agents during office openings and training sessions. The companies have a long-standing partnership with Viviamo receiving recognition for cooperation.
• WartamajorChannel Partner/ Reseller/ DistributorWarta insurance company representatives actively support new Viviamo agents during office openings and provide training. Part of the multi-agency network offerings.
• Ergo HestiamajorChannel Partner/ Reseller/ DistributorErgo Hestia provides insurance products through Viviamo's franchise network. Representatives support agent training and new office launches.
• InslymajorTechnology or IntegrationInsly provides an insurance comparison tool platform used by Viviamo franchise partners. This technology enables faster policy comparison and customer service processes, saving time and improving efficiency.
• GeneralimajorChannel Partner/ Reseller/ DistributorGenerali offers home and apartment insurance products through Viviamo's network. Special promotional offerings are available for Viviamo customers.
• WienermajorChannel Partner/ Reseller/ DistributorWiener provides life and health insurance products. Conducts training sessions and joint promotional campaigns with Viviamo including 'Bezpieczne lato' promotions.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/viviamo.ubezpieczamy

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Viviamo Ubezpieczamy