Odszkodowanie nie przysługuje, o ile szkoda majątkowa jest poza zakresem ochrony.

Przysługiwać is a fairly formal verb, very common in legal and administrative Polish.

In this sentence, odszkodowanie nie przysługuje means something like:

• compensation is not payable
• compensation is not available
• there is no entitlement to compensation

It does not mean belongs in the ordinary ownership sense.

A very common pattern is:

• Komuś przysługuje odszkodowanie. = Someone is entitled to compensation.

In your sentence, the person entitled to it is not mentioned, because the focus is on the rule itself.

Because odszkodowanie is the grammatical subject, and it is:

• singular
• neuter

So the verb must be in 3rd person singular:

• odszkodowanie przysługuje
• odszkodowania przysługują

Compare:

• Zwrot kosztów przysługuje. = singular
• Świadczenia przysługują. = plural

The negative particle nie simply goes before the verb:

• przysługuje → nie przysługuje

Here o ile is a formal connector meaning roughly:

• if
• provided that
• insofar as
• to the extent that

In legal or contractual language, o ile often sounds more formal and more precise than everyday jeśli.

So in this sentence, it means something like:

• if the property damage is outside the scope of protection

Be careful: o ile can mean different things in other contexts, for example:

• O ile drożej? = By how much more expensively?
• O ile pamiętam... = As far as I remember...

So you must read it from context.

Because szkoda majątkowa is the subject of the subordinate clause:

• szkoda majątkowa jest poza zakresem ochrony

After jest, the subject stays in the nominative:

• szkoda majątkowa = nominative singular

You would use szkodę majątkową only if it were a direct object, for example:

• Ubezpieczyciel pokrywa szkodę majątkową.
• The insurer covers property damage.

So here:

• szkoda majątkowa = subject
• not object

Szkoda majątkowa is a legal expression meaning property damage or pecuniary/material loss.

The adjective majątkowa comes from majątek = property, assets, estate.

So this is not just any kind of damage in a general sense. It refers to damage affecting someone’s property or financial interests.

It is often contrasted with things like:

• szkoda niemajątkowa = non-pecuniary damage
• krzywda = harm/suffering, often non-material harm

So the phrase is quite technical and legal in tone.

After poza, Polish normally uses the instrumental when it means outside, beyond, or not within something.

That is why:

• zakres → zakresem
  nominative → instrumental singular

So:

• poza zakresem = outside the scope / beyond the scope

This is a very common pattern:

• poza kontrolą = beyond control
• poza prawem = outside the law
• poza granicami kraju = outside the country’s borders

In your sentence, poza zakresem ochrony means outside the scope of coverage/protection.

Ochrony is in the genitive singular.

It depends on the noun zakres:

• zakres czego? = scope of what?
• zakres ochrony = scope of protection / scope of coverage

So the structure is:

• poza
  • instrumental → zakresem
• then zakres
  • genitive → ochrony

This kind of noun chain is very common in formal Polish:

• zakres odpowiedzialności = scope of liability
• zakres obowiązków = scope of duties
• warunki ochrony = conditions of coverage

Because o ile introduces a subordinate clause, and Polish normally separates subordinate clauses with a comma.

So the structure is:

• main clause: Odszkodowanie nie przysługuje
• subordinate clause: o ile szkoda majątkowa jest poza zakresem ochrony

This is standard Polish punctuation. Compare:

• Zapłata nie przysługuje, jeśli usługa nie została wykonana.
• Umowa wygasa, gdy termin upłynie.

In English, punctuation may be more flexible, but in Polish this comma is expected.

Yes. Polish word order is more flexible than English, especially in formal writing.

For example, you could also say:

• O ile szkoda majątkowa jest poza zakresem ochrony, odszkodowanie nie przysługuje.

This puts the condition first.

Both versions are grammatical, but the original sounds very natural in legal style because it states the rule first and then adds the condition.

Polish often uses word order to manage emphasis rather than basic grammatical relations, since cases already show those relations.

Yes, definitely.

• nie przysługuje = formal, legal, administrative
• nie należy się = more everyday, though it can also appear in semi-formal contexts

Compare:

• Odszkodowanie nie przysługuje.
  Very legal/official.

• To odszkodowanie ci się nie należy.
  More conversational, more direct, less legalistic.

In contracts, insurance documents, regulations, and statutes, przysługiwać is much more typical.

In this kind of sentence, ochrona often has a technical insurance meaning closer to:

• coverage
• protection under the policy

So poza zakresem ochrony is often best understood as:

• outside the scope of coverage

Literally, ochrona does mean protection, but in insurance and legal language it often refers to the protection granted by a policy, contract, or legal regime.

That is why this sentence sounds strongly like insurance or liability documentation rather than everyday speech.