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Several remarks concerning the subject of the mutual insurance company's legal definition and its non-profit character

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Adamowicz M.
Pieniądze i Więź
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2005
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vol. 8
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issue 3(28)
95-103
EN
Before the Second World War, mutual insurance companies have developed dynamically and with great success. Then, after having vanished from the Polish market for about 50 years, they suddenly reappeared in 1991. The authoress analyses the reasons of the companies' inability of retrieving their old splendour, as well as the obstacles in their development. She asserts that both the new legal definition and the regulations from 2003 are not precise enough. Therefore, she suggests some changes and submits a wider legal definition of the mutual insurance society. It can be defined, according to the authoress, as a separate and independent subject - both legally and organisationally, existing only within the scope of insurance, voluntarily uniting its members and having the purpose of satisfying mutual insurance needs - in exchange for changeable fees. She also discusses whether the mutual insurance society as the subject of non-profit character can be an entrepreneur and lead a business activity. Undoubtedly, presented arguments proved the above thesis.
2

Towarzystwa ubezpieczeń wzajemnych w Polsce wobec kryzysu finansowego lat 2008‒2009

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Płonka M.
Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie
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2012
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issue 889
89-101
EN
Using an analysis of 25 key financial performance indicators of selected insurance companies, this study examines the extent to which the effects of the global financial crisis of 2008–2009 affected Polish mutual insurance companies (TUW). Analysis of financial performance indicators leads to the general conclusion that the Polish insurance companies have survived the global financial crisis in good shape overall; at the same time, most indicators of effectiveness were more favourable during the financial crisis for TUW than for public insurance companies on the whole. A possible explanation for why TUWs better coped during the global financial crisis than their public counterparts was that they had deeper local roots and fewer financial links with the global financial market.
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