The deregulation process in Poland is accelerating, with Prime Minister Donald Tusk meeting representatives of the public and the Government Deregulation Team to assess progress and discuss further simplification efforts. The Prime Minister emphasized that 90 percent of the proposals submitted by the social side are either being implemented or under active discussion. This collaborative approach aims to eliminate unnecessary barriers and improve the business climate for entrepreneurs.

In March, the Council of Ministers approved the first governmental deregulation package, introducing over 40 significant legal and administrative simplifications. These changes were developed in cooperation with a team led by entrepreneur Rafał Brzoska and will be incorporated into government legislation. The measures are designed to make it easier to run businesses, reduce formalities for citizens, and increase transparency in governance.

During the meeting, Prime Minister Tusk highlighted the cyclical nature of regulation, pointing out that governments often introduce more laws until there’s a realization that deregulation is needed. He praised the sense of unity and shared interest among lawmakers and social partners, which is helping to push the reform process forward.

Minister Maciej Berek, who leads the Government Deregulation Team, has received more than 100 simplification proposals from the social side. These changes span a range of public interest areas and consider the needs of vulnerable groups, such as people with disabilities or those facing financial hardship. Tusk noted that while 8 percent of the suggestions were deemed unfeasible due to fiscal concerns, the vast majority—over 90 percent—are viable or in development.

Rafał Brzoska reported that over 13,000 suggestions for regulatory changes have been collected, 70 percent of which came from ordinary citizens. The remaining 30 percent originated from the business community. His team has identified seven key areas for simplification: healthcare, tax law, the judiciary, digitalization, energy, EU law, and national security.

The goal is to submit 300 practical and effective proposals by June 1. Brzoska urged lawmakers not to delay and to begin legislative work in May. Among the most anticipated proposals are the presumption of innocence for taxpayers, non-punishment for unintentional errors, clearer interpretations of tax laws, and the introduction of automated processes where offices fail to respond within legal timeframes. Other initiatives include expanding e-services through the mCitizen platform and eliminating redundant data requirements for citizens.

Prime Minister Tusk praised the transparency and civic engagement behind the deregulation initiative, calling it a “political and social experiment” that is proving effective. Minister Berek echoed this sentiment, noting that a shared goal of public interest has allowed both the government and society to create a strong and efficient partnership. Every ministry is expected to quickly review and respond to relevant proposals.

On the operational side, Adam Malinowski, representing the social team, explained that 15 project managers and hundreds of experts are involved in reviewing and submitting dozens of proposals each week. So far, 1,500 individuals have volunteered to participate in the project. Over 130 initiatives have been published on the dedicated public platform, and more than 100 have already been submitted to the government for evaluation.

The deregulation effort also extends beyond national borders. Poland is working with entrepreneurs to streamline regulations at the EU level. Prime Minister Tusk announced that Poland and its partners are preparing recommendations for EU law changes. The European Commission has already pledged to withdraw 40 legislative acts as part of its first wave of deregulation.

These European-level decisions, expected in June 2025, aim to reduce costs for small and medium-sized enterprises by 30 percent, enhancing competitiveness across the continent. This initiative aligns with conclusions from the recent European Council summit held on March 20–21.

Deregulation remains a cornerstone of the Polish government’s strategy to stimulate economic growth, improve administrative efficiency, and make life easier for both businesses and citizens. Future steps will continue to be developed in close cooperation with the public, ensuring broad-based support and lasting impact.

The President of the Office of Competition and Consumer Protection (UOKiK), Tomasz Chróstny, has initiated an investigation into the sale and marketing of property insurance policies offered under the “all risks” model on the Polish non-life insurance market.

The purpose of the investigation is to assess whether insurers may be using practices that violate consumer rights, particularly regarding how these policies are presented and sold. UOKiK will focus on whether consumers are being adequately informed about the true scope of coverage and whether the term “all risks” could be misleading.

In an “all risks” insurance model, policies are generally designed to cover a wide range of unforeseen events, unless specific exclusions are clearly listed in the contract. However, UOKiK has raised concerns that the name itself may give consumers the impression of complete protection, even when numerous exclusions apply. The investigation will examine whether these exclusions are clearly communicated, properly defined, and understandable to consumers at the time the policy is offered.

“There must be clarity between what is promised and what is delivered. Consumers have a right to transparent terms and to know precisely what risks are covered and what are excluded from an ‘all risks’ policy,” said Tomasz Chróstny.

UOKiK has previously taken actions in the insurance sector, particularly in relation to products where the actual coverage may not match the consumer’s expectations due to vague or overly broad contract terms. According to the Office, the increasing popularity of “all risks” policies may create a risk that consumers are paying high premiums while remaining unaware of significant limitations in their coverage.

As part of the investigation, UOKiK will analyse the contract clauses used in these policies and assess whether insurers are complying with consumer protection standards, including in relation to potential cases of misselling. The aim is to determine whether the use of the “all risks” label is justified and whether policyholders are being properly informed about their rights and the limitations of their insurance coverage.