Redefining Speed and Capacity in Central and Eastern Europe’s Growing Surety Market
The Big Picture
When Kamo entered the market less than a year ago, Poland’s surety landscape was at a moment of transition. Economic growth, large-scale infrastructure investment, and expanding energy projects were driving strong demand for guarantees. At the same time, many traditional insurers were constrained by limited capacity and slow underwriting processes creating friction for both brokers and mid-sized businesses.
As Kamo’s leadership put it, the market was “quite fast growing,” with demand accelerating even as capacity struggled to keep pace. Over the past three years, Poland’s surety market has expanded rapidly, growing by approximately 50%. While still smaller than some Western European markets, the pace of growth and scale of planned infrastructure investment made one thing clear: the market was ready for a new, more agile approach.
The Solution
Kamo was founded to meet that moment.
Built to serve Poland’s mid-market, Kamo combines deep local market expertise with modern underwriting technology and access to diversified capacity through the Accelerant Risk Exchange. Designed for speed, transparency, and scalability, Kamo operates as a modern surety MGA, delivering responsive underwriting while maintaining discipline and alignment with capital partners.
From day one, the focus was clear: build a business that allows underwriters to move quickly without compromising quality or confidence.
A Market Ready for a New Approach
Kamo’s leadership recognized early on that replicating existing models would not meet the needs of a rapidly evolving market. Many providers were already operating at or near capacity, leaving brokers and clients searching for alternatives that could respond faster and underwrite more efficiently.
Kamo’s journey began through collaboration with Accelerant via Risk Analytics Ltd. and brokerage activity, offering early exposure to a more data-driven and transparent way of working. That experience soon evolved into a full MGA relationship, with Kamo using the Accelerant Risk Exchange for access to capacity, technology, and services to grow with confidence.
Speed That Changes Expectations
In a market where underwriting decisions often take days, or even weeks, Kamo routinely delivers responses in hours. Brokers accustomed to long wait times are frequently surprised by the speed and clarity of Kamo’s decisions.
As one recent interaction illustrates, a broker submitted an application requesting a fast turnaround. Just a few hours later, the offer was delivered. The response?
“Why so fast?” the broker asked, before adding in disbelief, “I said I wanted it fast, but not this fast.”
That reaction has become familiar.
“We can say today that we are the fastest underwriter on the market,” the team shared. What makes that possible is not just urgency, but infrastructure: modern underwriting systems and analytics that streamline submissions, accelerate risk evaluation, and reduce friction across the process.
For mid-sized companies operating in construction, infrastructure, and energy, faster decisions translate directly into greater certainty, momentum, and the ability to move forward without delay.
Technology and Transparency
Kamo’s operating model is built around speed, transparency, and real-time insight, enabled through its participation in the Accelerant Risk Exchange. Portfolio visibility, performance tracking, and close collaboration with capacity partners are embedded into day-to-day workflows, allowing the team to stay closely aligned and scale with confidence.
As a young MGA, this level of transparency has been critical. “Everything is at your fingertips,” the team noted, making it easier to stay in sync, manage risk effectively, and grow with discipline.
Complementing this, Kamo works with Risk Analytics Ltd as a specialist technology partner, integrating advanced risk intelligence into its underwriting process. Risk Analytics’ platform, built on proprietary SLM architecture and enhanced by sentiment analysis, supports Kamo’s credit assessment and surety risk evaluation, adding analytical depth and consistency where it matters most.
Focused Today, Expanding Tomorrow
Today, Kamo remains firmly focused on the Polish market, serving mid-sized businesses with annual revenues between €10 and €100 million. Demand is strongest in infrastructure, transportation, and energy.
Looking ahead, Kamo sees the opportunity to build on this foundation and extend its model beyond Poland, positioning itself as a recognized surety hub for Central and Eastern Europe.
“Our goal is simple,” the team shared. “We want bonds we support to be immediately recognized and trusted, without questions or hesitation because the market knows the quality behind them.”
Building a Modern Surety Business
Built with a modern operating model from day one, Kamo is demonstrating how a focused surety MGA can move quickly, serve brokers and clients more effectively, and help advance the Central and Eastern Europe surety market through greater speed, transparency, and underwriting discipline.