Odszkodowanie przysługuje, o ile polisa obejmuje szkodę majątkową.

Przysługuje comes from przysługiwać and is a fairly formal, often legal or administrative verb.

In this kind of sentence, it means something like:

• is due
• is payable
• is available by right
• is something one is entitled to

So Odszkodowanie przysługuje is not just compensation exists. It means compensation is owed / due under the rules.

A very common pattern is:

• Komuś przysługuje odszkodowanie = someone is entitled to compensation

In your sentence, the person entitled to it is not stated explicitly.

Polish often leaves out information that is understood from context.

The full idea would often be something like:

• Poszkodowanemu przysługuje odszkodowanie = The injured party / claimant is entitled to compensation

But in legal-style language, the focus is often on the rule itself rather than on the person. So Odszkodowanie przysługuje works as a general statement: compensation is due.

Also, przysługiwać often goes with the dative for the person who has the right:

• Klientowi przysługuje zwrot = The customer is entitled to a refund

That dative phrase is simply omitted here.

Here o ile means:

• provided that
• as long as
• if
• in some contexts, insofar as

In this sentence, it is basically a condition:

• Odszkodowanie przysługuje, o ile... = Compensation is due, provided that...

Compared with jeśli, o ile sounds more formal and more typical of legal, contractual, or official language.

So:

• jeśli polisa obejmuje... = more neutral, everyday if
• o ile polisa obejmuje... = more formal provided that / so long as

Because o ile polisa obejmuje szkodę majątkową is a subordinate clause.

In Polish, subordinate clauses introduced by conjunctions like jeśli, gdy, ponieważ, chociaż, o ile are normally separated by a comma.

So the structure is:

• main clause: Odszkodowanie przysługuje
• subordinate clause: o ile polisa obejmuje szkodę majątkową

That is why the comma is there.

Polisa is in the nominative singular because it is the subject of obejmuje.

The subordinate clause is:

• polisa obejmuje szkodę majątkową

Here:

• polisa = subject
• obejmuje = verb
• szkodę majątkową = direct object

So polisa stays in the nominative, just as the subject would in English.

Because obejmować takes a direct object, and the direct object here is in the accusative.

The dictionary form is:

• szkoda majątkowa = property damage / financial loss

But after obejmuje, it becomes accusative singular:

• obejmuje szkodę majątkową

This is because szkoda is a feminine noun, and in the singular accusative:

• szkoda → szkodę
• majątkowa → majątkową

So the endings change to match the case.

Szkoda majątkowa refers to material, property, or financial damage/loss.

The adjective majątkowy comes from majątek, meaning property, assets, or estate.

So this phrase is about damage that affects someone’s property or finances, not emotional or non-material harm.

A useful contrast is:

• szkoda majątkowa = material/property/financial damage
• szkoda niemajątkowa = non-material damage, such as pain, suffering, or harm to personal rights

The exact English translation depends on context, especially in insurance or legal documents.

Obejmuje comes from obejmować.

Its basic meanings include:

• to include
• to cover
• to encompass

In insurance language, polisa obejmuje coś usually means:

• the policy covers something

So here:

• polisa obejmuje szkodę majątkową = the policy covers property damage / financial loss

This is a very common formal use of obejmować.

Because Polish often uses the present tense for:

• general truths
• legal rules
• contractual conditions
• official statements

So this sentence is not describing something happening right now in a physical sense. It is stating a rule:

• Compensation is due if the policy covers property damage

That is why present tense sounds natural here. It works much like legal English, where we also say things like:

• Compensation is payable if...
• The policy covers...

The word order can be changed, because Polish is more flexible than English, but the original order is natural and formal.

Original:

• Odszkodowanie przysługuje, o ile polisa obejmuje szkodę majątkową.

You could also say:

• O ile polisa obejmuje szkodę majątkową, odszkodowanie przysługuje.

Both are grammatical.

The original version sounds like:

1. first, the legal result is stated
2. then, the condition is added

That is a common style in formal Polish.

It sounds quite formal, official, and somewhat legal/insurance-like.

A more everyday version might be something like:

• Odszkodowanie dostaniesz, jeśli polisa obejmuje taką szkodę.
• Dostaniesz odszkodowanie, jeśli polisa to obejmuje.

But the original sentence is the sort of wording you might see in:

• an insurance contract
• regulations
• a legal explanation
• official correspondence

Words like przysługuje and o ile are strong signs of formal register.