epro sp. z o.o.

What epro sp. z o.o. does

EPRO Sp. z o.o. is a Warsaw-based insurance distribution and financial intermediation company that operates a nationwide direct sales network of approximately 1,200 agents across Poland. Founded in 2000 by Peter Grudniak, the company distributes life, health, property, and pension-savings products exclusively through its agent network, targeting both individual retail customers and Polish employers seeking group employee benefits. Since July 2019, when ERGO Lebensversicherung AG sold its shares to Peter Grudniak, the company has been fully privately owned by him. The company rebranded from ERGO Pro Sp. z o.o. to EPRO Sp. z o.o. in August 2021 to establish an independent Polish brand identity, while preserving its strategic product relationship with ERGO Hestia, the country's second-largest property insurer (part of the international Munich Re/ERGO Group).

The company's core product portfolio comprises Eventus DUO (a hybrid pension program combining guaranteed pension payouts with investment-fund components, marketed as the first of its kind in Poland), ERGO 4 (a comprehensive insurance program offering up to 10 million PLN life coverage, 4 million PLN disability coverage, and 200,000 PLN serious-illness coverage), property insurance (home, car, travel), and employer-focused insurance programs. All products are underwritten by strategic partner Sopockie Towarzystwo Ubezpieczeń na Życie ERGO Hestia S.A. and Sopockie Towarzystwo Ubezpieczeniowe ERGO Hestia S.A., meaning EPRO itself does not carry insurance risk and operates purely as a distribution intermediary.

EPRO generates revenue on a commission basis from policy sales and ongoing client relationships. The go-to-market model is face-to-face enterprise field sales via the agent network, supplemented by social media presence, annual congress and gala events, video content, and earned media coverage. The company differentiates through a proprietary agent training system, a decade-old codified Ethical Code (Kodeks Etyczny) incorporated into partner agreements, and a values-driven brand positioning tied to Polish entrepreneurship and social impact. Operationally, the company is a relationship-driven distribution business with no proprietary technology platform, no mobile applications, no public APIs, and no AI capabilities — its competitive position rests on its agent network scale, the ERGO Hestia product suite, and the personal brand of its founder-owner.

Name

epro sp. z o.o.

Legal name

EPRO Sp. z o.o.

Website

https://ergopro.pl

Company type

Private

Founded year

2000

Operating status

Operating

Short description

EPRO Sp. z o.o. is a Warsaw-based insurance distributor operating a nationwide network of approximately 1,200 agents in Poland, distributing life, health, property, and pension products from strategic partner ERGO Hestia to retail customers and Polish employers.

Ownership category

akta.pro rank

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Insurance distribution
• Life insurance products
• Pension savings programs
• Insurance brokerage services
• Financial intermediation

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance distribution commissions: EPRO earns commissions by distributing insurance products (life, health, property) and investment/savings programs (Eventus Duo, ERGO 4) on behalf of Sopockie Towarzystwo Ubezpieczeń na Życie ERGO Hestia S.A. and Sopockie Towarzystwo Ubezpieczeniowe ERGO Hestia S.A. The company also sells property and casualty insurance products through its agent network. Revenue is commission-based, derived from policy sales and ongoing client relationships.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

EPRO Sp. z o.o. distributes insurance and financial savings products on behalf of its strategic partner ERGO Hestia Group, operating a nationwide direct sales network of approximately 1,200 agents across Poland. Its portfolio includes life and health insurance (including the ERGO 4 program), property and casualty insurance, hybrid pension/savings products (Eventus DUO), and employer-sponsored group insurance programs. The company functions as an insurance intermediary and financial intermediation firm rather than an underwriter.

Product overview

EPRO is a modern, highly qualified distribution network operating in the financial market, specializing primarily in insurance products. The company offers a portfolio of insurance and savings products including Eventus DUO (a hybrid pension program combining guaranteed pension benefits with investment fund components), ERGO 4 (comprehensive insurance covering life, serious illness, disability, and child health), and property insurance (home, car, travel). Products are distributed through a network of approximately 1,200 agents across Poland, with ERGO Hestia as the strategic product partner. The company also offers employer-specific insurance programs as add-on solutions.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Eventus Duo provides a 20-year guaranteed monthly pension payout after age 65.
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor and core.

• Polska Unia Karate Tradycyjnego (Polish Traditional Karate Union)minorGTM or Marketing Partner · 11 February 2023EPRO received a special recognition at the First Gala of the Polish Traditional Karate Union in Lublin (February 2023) for supporting the karate environment and propagating Budo values. The partnership involves ongoing support for karate events.
• Piotr Pogon / Denali ExpeditionminorStrategic or Co-development Partner · 1 January 2018EPRO supported Piotr Pogon in his 2018 Denali expedition, helping him become the fourth person in his 'Crown of the Earth' collection. Pogon, a man without a lung, thyroid, and with decades of cancer history, summited Denali (6,190m), North America's highest peak. EPRO also supports Pogon's ongoing motivational activities.
• Aleksander Doba / III Transatlantycka Wyprawa KajakowaminorStrategic or Co-development Partner · 1 January 2017EPRO was the main partner of Aleksander Doba's Third Transatlantic Kayak Expedition in 2017. Doba, over 70 years old, kayaked solo from New York to Le Conquet, France — a historical first. The expedition covered over 4,000 nautical miles (approximately 8,000 km) over 110 days. EPRO also supported subsequent Dobarelated activities.
• Europejskie Centrum BUDO – Dojo Stara WieśminorStrategic or Co-development Partner · 1 January 2016EPRO has been a long-term partner of the European BUDO Centre in Stara Wieś, supporting traditional karate world championships and events. The partnership reflects shared values of continuous self-improvement and discipline. Peter Grudniak personally received a certificate from BUDO masters for years of promoting Budo principles.
• Otylia Jędrzejczak / Otylia Swim TourcoreStrategic or Co-development Partner · 1 January 2015EPRO has partnered with Olympic swimming champion Otylia Jędrzejczak since 2015, supporting her Otylia Swim Tour and Mistrzynie w szkołach initiatives. The partnership promotes youth health, sport, proper nutrition, and personal development in schools across Poland. Each event typically hosts 100–200 young athletes aged 10–14, with dedicated workshops for athletes, parents, and coaches.
• Grupa ERGO Hestia (ERGO Hestia Group)coreStrategic or Co-development Partner · 1 January 2000ERGO Hestia is EPRO's sole strategic product partner. The company distributes life insurance, health insurance, property insurance, and investment programs (Eventus Duo, ERGO 4) underwritten by Sopockie Towarzystwo Ubezpieczeń na Życie ERGO Hestia S.A. and Sopockie Towarzystwo Ubezpieczeniowe ERGO Hestia S.A. ERGO Hestia is part of the international ERGO/Munich Re insurance group, ranking second in Poland's property insurance market with 6.88 billion PLN gross written premium (2020 data). The partnership includes a signed cooperation agreement and is described as the company's core strategic relationship.

Scale indicators2 records

Recent moves9 records

Expansion highlights4 records

Regional players

• Open Life: Polish life insurer offering unit-linked and savings products, distributed primarily through a tied-agent network and bancassurance. Comparable to EPRO in the life/savings distribution model and Polish retail focus.
• Vienna Life (Compensa Vienna Life Group): Polish life insurer focused on savings and protection products distributed via agents and brokers. Comparable to EPRO on the life/savings distribution side in Poland, though operating as a carrier rather than an independent agency.

Direct peers

• CUK Ubezpieczenia: One of Poland's largest multi-channel insurance distributors, selling life and non-life products from multiple carriers through agents, call centers, and online. Directly comparable to EPRO as a Polish insurance distribution intermediary competing for the same retail and SME customers.
• Mubi: Polish online and offline insurance broker distributing motor, property, life, and travel products across multiple carriers. Comparable to EPRO as a Polish insurance distribution platform targeting retail customers, though with a more digital/aggregator-led GTM.
• Rankomat.pl: Leading Polish insurance comparison and distribution platform selling motor, property, travel, and life products from multiple carriers. Overlaps with EPRO on retail life and P&C distribution in Poland, though it operates an aggregator/online model rather than field sales.

Broad incumbents

• PZU: Poland's largest insurance carrier and the dominant retail life, P&C, and pensions player, with its own tied-agent and multi-channel distribution. Comparable to EPRO as a major Polish life and P&C distributor, but operating as an insurer-carrier rather than an independent intermediary.
• Warta (Talanx Group): One of Poland's top P&C and life insurers, part of the German Talanx group, distributing through agents, brokers, and bancassurance. Comparable to EPRO in product breadth across life and P&C within the Polish market, though vertically integrated as a carrier.
• Allianz Poland: Major Polish life and P&C insurer operating across retail, group, and employer channels with a strong tied-agent and broker network. Comparable to EPRO in the Polish group/employer life and savings distribution space, backed by a global insurer brand.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/EPROPolska
• YouTubeyoutube.com/channel/UCgVa2Y6F2dEgFy0ujUksq1g
• Facebookfacebook.com/EPROPolska
• LinkedInlinkedin.com/company/epropolska

Compliance2 records

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 epro sp. z o.o.