Entrepreneurs and independent professionals (architects, construction engineers, auditors, accountants, tax advisers, patent attorneys, lawyers, legal advisers, bailiffs, nurses and midwives, drivers, artisans, pharmacists, sailors), individuals employed on a full-time basis with high current financial obligations (eg. borrowing)

• benefit in the event of loss of income due to total temporary or permanent inability to work as a result of illness or accident
• benefit in the event of death as a result of an accident
• benefit in the event of disablement
• many additional coverage options (eg. Hospital benefits, permanent health damage, additional costs due to diability, funeral expenses)

• Up to 10 million zł
• The sum insured should be related to the earnings and financial status of the Insured. The maximum amount of benefits payable is dependent on the total revenues generated by the Insured personally due to his work in his profession within the last 12 months before the conclusion of the insurance.

• quick access to offers for high limits
• no medical questionnaire to complete or medical examination before concluding the agreement. However please note that illnesses with symptoms that occured before the concluding of the insurance contract, as well as mental and nervous diseases, venereal diseases and and HIV-related diseases are excluded
• an extensive selection of options that allows for the creation of a policy suitable for the needs of each client

• doctors and dentists

• benefit in the event of loss of income due to total temporary or permanent inability to work as a result of illness or accident
• benefit in the event of death as a result of an accident
• benefit in the event of disablement
• benefit in the event of HIV virus or viral hepatitis virus infection
• many additional coverage options (eg. Hospital benefits, permanent health damage, additional costs due to diability, funeral expenses)

• Up to 10 million zł
• The sum insured should be related to the earnings and financial status of the Insured. The maximum amount of benefits payable is dependent on the total revenues generated by the Insured personally due to his work in his profession within the last 12 months before the conclusion of the insurance.

• Easily accessible high limit
• There is no medical questionnaire to complete nor medical examination before buying a policy. Please however note that pre-existing conditions are excluded from the insurance cover, however it is possible to cover them subject to Insurer’s explicit agreement. In any case conditions resulting from degeneration of the spine, joints or bones as well as mental and nervous disorders, venereal diseases and HIV-related diseases are excluded. Exclusion of HIV-related diseases does not apply to the extension for events of HIV infections resulting from pursuit of the profession.
• Flexible coverage selection allows for the designing of a policy suitable for the needs of each client

• people performing a medical occupation other than a doctor and a dentist

• Compensation in the event of a loss of income due to a temporary or permanent inability to work following an illness or an accident
• Lump sum payment in the event of death as a result of an accident
• Lump sum payment in the event of dismemberment
• Needlestick insurance offering coverage in the event of work related contraction of HIV, hepatitis B or C virus
• A selection of additional coverage options (eg. hospital benefit, partial disablements, costs of adopting to living with a disability, funeral expenses)

• Up to 5 milion zł
• The sum insured should correspond with earnings and financial status of the Insured. Maximum benefits are dependent on total revenues generated by the Insured from working in his profession within the last 12 months before the conclusion of the insurance.

• Easily accessible high limit
• There is no medical questionnaire to complete nor medical examination before buying a policy. Please however note that pre-existing conditions are excluded from the insurance cover, however it is possible to cover them subject to Insurer’s explicit agreement. In any case conditions resulting from degeneration of the spine, joints or bones as well as mental and nervous disorders, venereal diseases and HIV-related diseases are excluded. Exclusion of HIV-related diseases does not apply to the extension for events of HIV infections resulting from pursuit of the profession.
• Flexible coverage selection allows for the designing of a policy suitable for the needs of each client

• individuals wishing to financially protect their family in the event of their death or provide financial resources to pay off liabilities, repayment by shareholders of shares in the company or payment of inheritance tax.

• term life Insurance at Squarelife Lebensversicherungs, reinsured by RGA (Reinsurance Group of America)
• in the event of death (regardless the reason of death)
• age of joining the contract: from 18 to 70 years old
• three exclusions only: war, committing or attempting to commit a crime and suicide of the Insured within twenty-four months of inception of coverage
• please note that, for a period of 3 years from inception of coverage, the Insurer is not liabile for consequences of circumstances which the Insurer enquired about prior to inception of the policy, and where such circumstances were withheld or subsequently found to be falsely advised.

• a fixed sum insured for the duration of the policy
• from PLN 100 000 up to PLN 2 million in the case of Leadenhall Life and from PLN 2 million to PLN 10 million in the case of Leadenhall Life VIP
• the sum insured should correspond to the earnings or property assets of the Insured

• Easily accessible high limits
• Clear policy form
• Access to the 'share application' function (the option of completing an application online by the policyholder)
• The option of electronic acceptance an application by the policyholder

• Individuals who want to provide financial resources to pay off the loan in the event of their death

• term life Insurance at Squarelife Lebensversicherungs, reinsured by RGA (Reinsurance Group of America)
• age of joining the contract: from 18 to 70 years old
• contract concluded for the period from 5 years to 75 years of the Insured
• three exclusions only: war, committing or attempting to commit a crime and suicide of the Insured within twenty-four months of inception of coverage
• please note that, for a period of 3 years from inception of coverage, the Insurer is not liabile for consequences of circumstances which the Insurer enquired about prior to inception of the policy, and where such circumstances were withheld or subsequently found to be falsely advised.

• the sum insured decreasing every year, ensuring coverage of the current credit balance
• from PLN 100 000 up to PLN 2 million
• the initial sum insured should be adequate to the held credit debt

• Easily accessible high limits
• Clear policy form
• Access to the 'share application' function (the option of completing an application online by the policyholder)
• The option of electronic acceptance an application by the policyholder

• individuals wishing to financially protect their family in the event of their death or provide financial resources to pay off liabilities, repayment by shareholders of shares in the company or payment of inheritance tax.
• for those who urgently need a policy or simply appreciate the conclusion of a contract without medical questions, medical examinations and other formalities

• term life Insurance at Squarelife Lebensversicherungs, reinsured by RGA (Reinsurance Group of America)
• age of joining the contract: from 18 to 60 years old
• concluded for a minimum period of 5 years, up to a maximum of 70 years of age
• three basic exclusions: war, committing or attempting to commit a crime and suicide of the Insured within twenty-four months of inception of coverage. In addition, with regard to accidental death: remaining under the influence of alcohol and other intoxicants, driving vehicles without qualifications or technical tests and practicing high-risk sports
• please note that, for a period of 3 years from inception of coverage, the Insurer is not liabile for consequences of circumstances which the Insurer enquired about prior to inception of the policy, and where such circumstances were withheld or subsequently found to be falsely advised.

• in the event of accidental death, due benefit is always 100% of the sum insured, and in the event of death from another cause, benefit increases over time to 25% of the sum in the 2nd year, 50% in the 3rd year, 75% in the 4th year and 100% from the 5th year of the policy
• maximum sum insured depends on the age of the Insured at the time of conclusion of the contract: no more than 500 000 PLN up to 45 years of age, 300 000 PLN for people between 46-55 of age and 150 000 PLN for people 56-60 years old.

• immediate access to the offer without having to complete a medical questionnaire
• Clear policy form
• Access to the 'share application' function (the option of completing an application online by the policyholder)
• The option of electronic acceptance an application by the policyholder

• Drivers, motorcyclists, cyclists, passengers and pedestrians

• Insurance always include following 5 benefits:
• in case of death in the motor accident
• in case of total permanent disablement to work
• annuity payment in case of total temporal disability to work
• daily hospital and rehabilitation benefit
• weekly benefit in case of coma

BASIC package

• Death: 25 000 zł
• Total disablement: 25 000 zł
• Annuity: 1000 zł monthly
• Hospital: 50 zł daily
• Coma: 250 zł weekly

SOLID package

• Death: 50 000 zł
• Total disablement: 50 000 zł
• Annuity: 2000 zł monthly
• Hospital: 100 zł daily
• Coma: 500 zł weekly

COMFORT package

• Death: 100 000 zł
• Total disablement: 100 000 zł
• Annuity: 3000 zł monthly
• Hospital: 150 zł daily
• Coma: 750 zł weekly

• complementary with MTPL and AC insurance
• unique benfits such as annuity in case of total temporal disablement to work and benefit in case of total permanent disablement to work
• easy way to bound policy in the Leadenhall system

• Members of the management of all joint-stock companies and limited liability companies from all industries, including the investment industry, construction industry, technology industry, as well as cooperatives, therapeutic entities, foundations, associations, including start up companies.

Corporate Management Liability Insurance

• Clause A – Directors’ and Officers’ Liability
• Clause B – Company Reimbursement
• Clause C – Employment Entity Liability
• Clause D – Entity Cover of Defence Costs
• Clause E – Fiduciary and Employee Benefits Liability
• Clause F - Securities Entity liability
• Clause G – Loss of Data and Documents

List of extensions:

• Management of an Outside Company
• Costs of investigation
• Defence Costs incurred in relation to personal injuries and/or property damages
• Costs of defence of the reputation of a Director or Officer or the Company
• Protection of assets and expenses required for avoiding imprisonment
• Fines and civil or administrative penalties
• Costs of psychological support of a Director and Officer
• Expenses related to participation of the Director and Officer in official hearings and/or court proceedings
• Costs of Critical Company Event
• Surplus Defence Costs for Directors and Officers
• Extended limitation of liability for members of managing bodies of the Company

• Up to 50 million zł
• In case of independent insuring the partnership registered earlier than 2 years ago up to 10 milion zł.

• quick access to offers of high limits
• the scope of coverage appropriate for each activity
• a wide set of additional coverages

• IT specialists providing services in the new technology industry based on a full-time contract, B2B contract (contract) or other civil law contract, e.g. developers, testers, UX / CX specialists, project managers or database specialists or network administrators
• IT companies with revenues up to PLN 6 million, providing services for clients from the territory of the European Economic Area (EEA)

Voluntary insurance (Section I) which covers claims resulting from damages arising in the course of professional provision of services, including additional extensions of coverage:

• additional defense costs
• covering costs in criminal, fiscal or administrative proceedings
• liability for infringement of intellectual property rights
• responsibility for slander, defamation or libel
• loss of documents

Cyber insurance (section II) covering claims arising from damage due to breach of personal data protection rules, including regulatory proceedings conducted by the supervisory authority and damage resulting from the operation of malicious software.

• from PLN 500 000 up to PLN 5 million - section I
• PLN 200 000 or PLN 500 000 - section II

• Quick access to the offer
• Easily accessible high limits
• Low deductibles with the possibility of increasing them in order to reduce the premium
• The option of electronic acceptance an application by the policyholder without the need to keep the paper form of the document

• Entrepreneurs providing accountancy services, where Polish law requires the purchase of compulosry insurance, and individuals who pursue an accountancy profession with an employment contract, where there is no complusory insurance obligation.

Complusory insurance in accordance with the Ordinance of the Minister of Finance dated the 06.11.2014 in respect of mandatory insurance for accountants, being professional indemnity

Voluntary insurance:

• bookkeeping, tax processing, and staff consultancy (including the settlement of social security contributions) activiites covered
• additional limits above compulsory insurance
• additional defence costs
• liability for breaching the duty of confidentiality
• liability for slander or defamation
• responsibility for breach of intellectual property rights
• loss of documents
• cover costs in criminal proceeding, criminal and tax proceeding or administrative proceeding

• 10 000 € - complusory insurance
• up to 1 million zł - voluntary insurance (surplus and complementary)

• quick access to offers of high limits
• an extensive range of coverage to include the risks not covered by compulsory insurance (servicing tax books and staff consultancy including the settlement of social security contributions)

• Tax advisors registered on the list of tax advisors and performing the profession in accordance with the Act on Tax Advisory dated 05.07.1996 r.

compulsory insurance in accordance with the Ordinance of the Minister of Finance dated the 04.12.2003 in respect of compulsory insurance for tax advisors, being professional indemnity

Voluntary insurance:

• staff consultancy (including the settlement of social security contributions) activities covered
• additional limit above compulsory insurance
• additional defence costs
• liability for breaching the duty of confidentiality
• liability for slandering or defamation
• responsibility for breach of intellectual property rights
• loss of documents
• cover costs in criminal proceeding, criminal and tax proceeding or administrative proceeding

• 10 000 € - complusory insurance
• up to 1 million zł - voluntary insurance (surplus and complementary)

• quick access to offers of high limits
• an extensive range of coverage to include the risks not covered by complusory insurance (staff consultancy including the settlement of social security contributions)

• Entrepreneurs running businesses from all sectors, with the exception of those involved in sharing social media, adult content, software companies, Internet service suppliers, manufacturers and repairers of electronic equipment and its components, data centers, entities operating third party payments or collecting third party debts.
• The examples of targets are: schools and universities, hospitals and clinics, chain stores, online stores, law firms and other administrative offices, manufacturing companies (other than electronics), cooperatives, real estate administrators, car dealers, service companies, hotels, etc

The insurance always covers all 4 Sections of the policy

• Section A: civil liability and Defense Costs in civil proceedings for Privacy wrongful act
• Section B: Regulatory fines and Defense costs in Regulatory proceedings for Privacy wrongful act (eg. proceedings conducted by the PUODO)
• Section C: Breach response costs and Crisis management costs for Security breach (eg. Hacking of the computer system of the Insured or stealing data by the Insured's employee)
• Section D: Damages and Defense costs in civil proceedings for Security wrongful act (eg. claims of contractors in connection with the theft of data concerning them from the computer system of the Insured)

For some industries the policy also covers

• Section E: Damages and Defense costs in civil proceedings for Multimedia liability (it is the responsibility for publications eg. in social media, websites, etc.)
• Section F: costs and Cyber-extortion payments for Cyber-extortion

In a situation when the Insured has a Plan of Operation Continuity in case of tresspassing information security it is for example, hacking into computer networks of the Insured, a failure of critical business information systems of the Insured etc. It is covered by the insuance

• Section G: Business income loss and Digital asset restoration
• Extension: Payment Card Industry Data Security Standard (PCI DSS) Breach - costs the insured has to pay under a merchant services agreement following data breach, including PCI fines for non-compliance with Payment Card Industry Data Security Standard (PCI DSS)
• Extension: Social engineering fraud event endorsement (cyber deception) - monetary loss or loss of value of goods resulting from money transfer, theft of money from insured’s bank account transfer of goods to an unauthorised person as a result of deception made electronic or telephonic communication(s).

• Up to 5 million zł

• quick access to offers
• a world standard in protection worked out by the Lloyd's market
• local service in IT investigations operated by the best experts that support IT bank incidents, financial institutions and the stock exchange