Automating SME Insurance Sales with PKD-Free Risk Evaluation

Business Context

Warta sought to simplify the insurance sales process for small and medium-sized enterprises (SMEs) while maintaining a high level of protection. The main challenge was the manual declaration of PKD codes (Polish business activity classification) during the quoting process, which was time-consuming and prone to errors.

Solution

In May 2024, Warta launched updated SME insurance packages — Warta Ekstrabiznes Plus and Smartbiznes which introduced a key innovation: | Risk evaluation without PKD declaration. The system now automatically retrieves company data from the national registry (GUS) using the REGON number. Then, based on a configurable rule set, it profiles the client and assesses risk — allowing the agent to skip PKD entry entirely in many cases.

Role of Higson

Warta implemented this logic using the Higson business rules engine.

Higson enables:

• Control access to simplified sales paths via configurable parameters,
• Support for multiple PKD classifications, including both PKD 2007 and the new PKD 2025,
• Rapid implementation of changes, significantly improving time-to-market,
• Business-level rule management, giving product teams more autonomy.

Key Improvements

• Simplified workflows: fewer required fields, reduced steps,
• Automated risk classification: based on official registry data,
• Increased automation: data retrieved and classified without agent input,
• Reduced error rate: through automated validation and classification logic.