Business Brokerage Services
The business world involves risk – both predictable and completely unexpected. Insurance is one of the key tools for managing this risk, but its selection is often complicated and lacks transparency. That’s why more and more companies are using the support of professional insurance brokers.
How can we help you?
Who is an insurance broker?
An insurance broker acts exclusively in the interest of their client – the company. Unlike an agent who represents an insurance company and offers its products, a broker serves as an independent advisor. Our task is therefore to thoroughly understand the specifics of the company’s operations, properly identify key risks, and develop a protection program that genuinely mitigates them. This means we don’t sell ready-made policies – we design solutions precisely tailored to your business needs and objectives.
What we protect – three main categories:
- Business solutions: professional and general third-party liability, property, business interruption – business continuity and financial resilience.
- Management protection: D&O and criminal tax liability – minimizing personal financial and legal risk for key company personnel.
- Employee programs: life, health, business travel, and PPK support – employee safety and higher engagement.
Why work with a broker?
- Objectivity and independence – a broker doesn’t represent any insurer, only your company.
- Time and cost savings – takes over the entire process of market analysis, offer comparison, and terms negotiation.
- Better fit – selects solutions appropriate to company size, industry, and risk level.
- Support in difficult situations – a broker also helps with claims handling and negotiations with insurers.
What does a well-chosen insurance program provide?
An excellent protection program is not just a “paper policy.” It’s a strategic tool that:
- secures business continuity in crisis situations,
- protects management from financial and legal liability,
- increases employee engagement and safety,
- allows for predictable and effective risk management in the organization.
Our approach
At ALTO, we don’t limit ourselves to presenting insurance company offers. We analyze risks that could actually threaten the business, eliminate unnecessary elements, and replace them with client-dedicated provisions that genuinely protect the company, people, and finances. Our role is to ensure that insurance supports growth instead of generating unnecessary costs.
Case studies
Tax
200% write-off under R&D relief vs. an individual interpretation
Why ALTO?
At ALTO people are the key. It is them who, thanks to their knowledge and experience, are able to provide comprehensive support in implemented projects, taking care of the highest quality of services, therefore ensuring a sense of comfort and safety to our clients.
We act globally
We are a member of Allinial Global - an association of independent advisory and accounting firms leveraging the global and local knowledge and experience of 38,000 outstanding professionals from more than 260 renowned firms in 107 countries.
13+ years of experience
Our long-standing presence on the market allows us to look at the business from a cross-sectional perspective - we know what to do and how to do it to support you in achieving your goals.
170 people in the team
A constantly growing group of experts can contribute to the success of your company.
10,000+ cases
We help in both everyday aspects of running a business and in emergencies.
Kamil Lewandowski
Chief Growth Officer
Kamil is a co-founder and CGO at ALTO. He is responsible for the development strategy of the ALTO group. Additionally, he oversees activities in the area of business development and marketing.
Sylwia Kulczycka
Managing Partner & Tax Advisor
Sylwia Kulczycka is a Managing Partner of the TAX business line at ALTO. She specializes in tax advisory services for the life sciences, IT and professional services industries.
Aleksandra Bońkowska
Partner & Tax Advisor
Aleksandra is a partner at ALTO. Before joining ALTO team, she worked in one of the big four companies. For many years, Ola has been advising clients in the financial industry, including in particular insurance companies, payment market institutions ...
Daniel Banach
Partner & Tax Advisor
Daniel is a partner at ALTO. He specializes in tax advisory for financial investors (mainly private equity funds) and for clients from the real estate industry.
Tobiasz Dolny
Partner & Tax Advisor
Tobiasz is a Partner at ALTO. He is the leader of a dedicated team at ALTO focused on tax advisory for investment funds and asset managers. His main areas of expertise include CIT, VAT and tax settlements of financial institutions
