Polish owners of vehicles have a legal obligation to raise their minimum insurance cover against third-party claims as of Jan 1, 2006. The amended law on obligatory insurance stipulates that the lowest cover for bodily injuries must amount to €1.5 million per event, instead of €350.000 per every injured person, while the required cover for damaged property must equal at least €300.000 per event.



Consulting

The company PROSPECTOR and its team of experts, having a banking and consulting background, originally provided entrepreneurs with advisory services, which covered the wide art of business. With a special focus on finance, we used to respond to the needs of our Clients, concentrating on:
  1. recovery and restructuring programmes
  2. investment feasibility studies and business plan development
  3. analyses of credit risks
  4. sources of external financing.
The launching of PROSPECTOR's insurance brokerage business in 1996 and the rapid increase in the Clients' demand for insurance-related advice, have modified the profile of consulting services we offer to our Clients.

Nowadays, insurance devices have been included as an important support to the processes of financial risk management of enterprises. They are particularly useful for the purpose of:
  • better securing credits advanced to business partners,
  • reducing financial losses which might result from a business interruption due to insurable perils,
  • diversifying financial instruments which secure the Client's obligations,
  • safeguarding the company's undisturbed operations in case unexpected claims are raised against it.
Another field of our consulting activity deals with developing concepts of how insurance can be used by corporate Clients for the purpose of their expansion and promotion. Dedicated programmes, based on insurance products tailored to specific needs, may fulfil the following tasks:
  • widen access to external finance,
  • help win new consumers of products and services,
  • build customer loyalty to the brand and the firm of the supplier,
  • improve competitiveness of the Client's offer and increase sales.
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