Insurer profile
Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A.
ERGO Hestia is one of the largest insurance companies in Poland, established in 1991. It offers a comprehensive range of insurance products for individual customers and businesses, including motor, property, life, health, travel, and agricultural insurance. The sole shareholder is ERGO International AG, part of the ERGO Group AG owned by Munich Re, the world's largest reinsurer. Non-life insurance is offered under four brands: ERGO Hestia, MTU, mtu24.pl, and You Can Drive.
Source- Legal entity
- Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A.
- Headquarters
- Sopot, Poland
- Parent group
- ERGO International AG / ERGO Group AG (Munich Re)
- Regulator
- Polish Financial Supervision Authority (KNF – Komisja Nadzoru Finansowego)
- Phone
- +48 801 107 107
- media@ergohestia.pl
- Last verified
- May 2, 2026
Products from Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A.
motor
Motor Third Party Liability Insurance (OC)
Mandatory third-party liability insurance for all registered vehicle owners in Poland, covering damage caused to third parties.
motor
Comprehensive Motor Insurance (Autocasco / AC)
Voluntary comprehensive vehicle insurance covering damage, loss, or theft of the insured vehicle, including All Risk option.
motor
Motor Assistance Insurance
Roadside assistance insurance providing towing, replacement vehicle, fuel delivery, and on-site repairs in case of accident or breakdown.
motor
Personal Accident Insurance for Driver and Passengers (NNW KiP)
Personal accident insurance covering driver and passengers against permanent injury or death resulting from a road accident.
motor
Electric Vehicle Insurance Package (EV Pakiet)
Dealer insurance package specifically designed for electric vehicle users, including OC, AC, Assistance, and a replacement vehicle.
property
Home and Apartment Insurance (ERGO 7 property)
Comprehensive insurance for houses, apartments, summer houses, and contents against fire, flooding, theft, and other random events, with All Risk option.
health
Health Insurance – ERGO Zdrowie
Private health insurance providing access to medical consultations, specialist visits, diagnostics, and preventive care in Poland.
health
Global Doctors Plus – International Medical Treatment Insurance
Private add-on health insurance providing access to renowned specialist clinics worldwide for serious conditions such as cancer and cardiovascular diseases.
life
Individual Life Insurance – ERGO 4
Flexible individual life insurance covering death, serious illness, accidents, surgical operations, and hospitalisation, with coverage starting from 3 months of age.
life
Group Life Insurance – Open Group ERGO Razem
Group life insurance accessible to individual customers aged 18–65 without medical examinations, offering high sums insured up to PLN 500,000 and coverage for serious illness.
life
Child Health and Life Insurance – ERGO 4 Child
Insurance protecting children against bodily injuries and serious illnesses, providing financial support in case of fractures, disability, and critical illness.
life
Group Life Insurance for Businesses – ERGO Życie w Biznesie
Group life insurance for companies with at least 2 employees, covering serious illness, hospitalisation, surgical operations, and accidents, with 124 benefit types.
travel
Travel Insurance – ERGO Podróż
Comprehensive travel insurance for private and business trips abroad, including medical costs, NNW, baggage, assistance, and third-party liability in three coverage variants.
travel
Travel Cancellation Insurance
Add-on travel insurance covering trip cancellation costs and non-refundable expenses in case of unexpected illness or accident.
health
Personal Accident Insurance – NNW (Individual)
Personal accident insurance for individuals providing benefits for permanent disability or death due to an accident, with worldwide coverage.
property
Business Property and Business Interruption Insurance
Commercial property insurance for businesses covering fire, flooding, theft, and all-risks, with optional business interruption (loss of profit) coverage.
liability
Business Liability Insurance – ERGO Biznes
Comprehensive SME and corporate insurance package covering 33 types of insurance, including property, civil liability, cyber risks, and business interruption.
motor
Corporate Motor Third Party Liability (OC for fleets)
Mandatory third-party liability motor insurance for company fleets of any size.
motor
Corporate Autocasco – Fleet Casco Insurance
Comprehensive fleet vehicle insurance for businesses of any size, covering loss, damage, or theft of company vehicles across Europe.
other
Agricultural Buildings and Property Insurance
Mandatory and voluntary insurance for farm buildings, equipment, machinery, and movable assets against fire, flooding, theft, vandalism, and other random events.
other
Crop Insurance (Agricultural Crops)
Insurance protecting crops against destruction or damage from weather events including frost, hail, drought, flood, and heavy rain, available in seven packages.
other
Agricultural Machinery Insurance (Agrocasco)
Insurance covering agricultural machinery and tools against damage, loss, or total destruction, operating in Poland and optionally across Europe.
liability
Farmer's Civil Liability Insurance (OC Rolnika)
Mandatory civil liability insurance for farmers protecting against third-party claims arising from ownership and operation of a farm.
other
Photovoltaic Installation Insurance
All-risk insurance for photovoltaic installations covering material damage and loss of electricity production, available for farms and businesses.
financial
Insurance Guarantees and Trade Credit Insurance
Financial insurance products for businesses including insurance guarantees and trade credit insurance to protect against financial losses.
health
Group Personal Accident Insurance for Employees (NNW for companies)
Group personal accident insurance for employees covering permanent disability or death resulting from a workplace or other accident.
cyber
Cyber Risk Insurance (within ERGO Biznes)
Cyber risk insurance for businesses covering losses from cyberattacks, data breaches, and electronic system intrusions, available as part of the ERGO Biznes package.
pet
Pet Accident Insurance (Dog and Cat NNW add-on)
Pet accident insurance for dogs and cats covering personal accident consequences, available as an extension to the personal property policy.
liability
Legal Protection Insurance for Vehicle Owners
Legal protection insurance for vehicle owners covering legal costs arising from road accidents and disputes.
Regulatory updates
ERGO Hestia operates under the supervision of the KNF (Polish Financial Supervision Authority) and is subject to Poland's Insurance Activity Act and EU Solvency II framework. The company received a Fitch financial strength rating of AA with a stable outlook, reflecting its strategic importance to Munich Re. In January 2025, the EU's Insurance Recovery and Resolution Directive (IRRD) entered into force, establishing a harmonised EU framework for insurers' recovery and resolution planning, with Member States required to adopt implementing rules by January 2027. ERGO Hestia continues to operate as an active, licensed insurer in Poland with no reported negative regulatory actions.
Reputation and reviews
Score of 1.2 sourced from uk.trustpilot.com/review/hestia.pl (showing 104 reviews); main trustpilot.com page shows 188 total reviews. Score consistent across both versions.