Generali Česká pojišťovna

What Generali Česká pojišťovna does

Generali Česká pojišťovna a.s. is the Czech operating entity of Italy-based Generali Group and self-describes as the largest insurer in the Czech Republic, serving more than 4 million customers and managing over 9 million insurance contracts (with one further source citing approximately 6.6 million contracts). The portfolio spans mandatory and comprehensive vehicle insurance, travel insurance, residential property and household insurance, personal and professional liability, pet and equine insurance, life and accident insurance, pensions via Generali penzijní společnost, investment products via Generali Investments, and legal protection through the D.A.S. subsidiary.

Underlying technology includes a digital insurance platform anchored by the Moje Generali mobile application, AI-supported claims processing (document reading and adjuster prioritization), online claims reporting that can be completed in roughly three minutes, and an integration with Intermap Technologies' Aquarius RMA platform for property valuation and natural hazard risk analytics used in underwriting and portfolio management. Operational performance is publicly highlighted at 95% of property claims processed within five days and 90% within two days, with 31% of property claims resolved the same day they are reported.

The business model is recurring insurance premiums paid annually across multiple lines, priced by risk profile and bundled with multi-product and online-purchase discounts of up to 23%, plus loyalty discounts of up to 60% for claim-free driving. Distribution is hybrid: a 4,600-advisor field force across 510 advisory/branch locations is complemented by online self-service, a phone hotline, and B2B integration of risk analytics into other Czech insurers' underwriting workflows.

Name

Generali Česká pojišťovna

Legal name

Generali Česká pojišťovna a.s.

Website

https://generaliceska.cz

Company type

Private

Founded year

1827

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Generali Česká pojišťovna is the largest insurer in the Czech Republic, offering vehicle, property, travel, liability, life, pension, and investment products to more than 4 million customers through a 4,600-advisor network, 510 branches, and digital channels.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Insurance Carriers (5241), Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113), Insurance Carriers and Related Activities (524)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Umbrella Insurance (FSAJAMAK)

akta.pro secondary industry

Pet Insurance (FSAJAKAG)

Keywords

• Vehicle insurance
• Property insurance
• Travel insurance
• Life insurance
• Personal liability insurance

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Property & Casualty Insurance Premiums: Core revenue from insurance premiums across vehicle (mandatory liability + voluntary comprehensive), property, travel, liability, and pet insurance. Premiums are recurring annual or multi-year contracts with optional additions.
2. Life Insurance Premiums: Risk life insurance and investment life insurance products generating recurring premium revenue. Includes critical illness, disability, accident, and death benefit products.
3. Pension and Investment Products: Pension savings (penzijní spoření) and long-term investment products (DIP) offered through Generali penzijní společnost and Generali Investments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Generali Česká pojišťovna is the largest insurance provider in the Czech Republic, offering a comprehensive portfolio of personal and commercial insurance products including mandatory and comprehensive vehicle insurance, travel insurance, residential property and household insurance, personal and professional liability, pet insurance, life and accident insurance, and legal protection insurance. The company sells its products through a hybrid distribution model combining a network of 4,600 advisors and 510 branch locations with online self-service and the Moje Generali mobile app.

Product overview

Generali Česká pojišťovna operates as a comprehensive insurance provider offering a broad portfolio of products organized around vehicle insurance (Povinné ručení and Havarijní pojištění including the Expres variant), travel insurance (Cestovní pojištění with Smart and Annual variants), property insurance (Můj majetek encompassing Pojištění nemovitosti and Pojištění domácnosti), personal and professional liability (Pojištění odpovědnosti), pet and animal insurance (Pojištění mazlíčků and Pojištění koní), life and health insurance (Životní pojištění Můj život with investment and risk variants), and legal protection (Pojištění právní ochrany via D.A.S.). The company supplements its core products with digital services (Moje Generali app, online sales platform), assistance services, and sustainable repair programs. The product architecture follows a modular approach where customers can purchase standalone products or combine multiple coverages with add-on modules.

Differentiator

Problem solved

Functional benefit

Products and services

• Povinné ručení (Mandatory Vehicle Insurance) Mandatory third-party liability insurance for vehicle owners in the Czech Republic, covering damages caused to third parties. Offered in five tiers with liability coverage limits ranging from 50M to 300M CZK; 20% online discount available.
• Havarijní pojištění (Comprehensive Vehicle Insurance) Voluntary comprehensive vehicle insurance covering accidents, theft, vandalism, and natural disasters, available in All Risk, Expres, Odcizení a živel, and Havárie a živel variants. GAP insurance available for vehicles up to 6 years old.
• Cestovní pojištění (Travel Insurance) Single-trip travel insurance for Czech travellers covering medical expenses up to 100M CZK, trip cancellation, baggage, and 24/7 assistance. Available in Start, Standard, and Exclusive tiers.
• Chytré cestovní pojištění (Smart Annual Travel Insurance) Annual multi-trip travel insurance with automatic renewal, allowing unlimited trips up to 60 days each, with medical coverage up to 100 million CZK.
• Celoroční cestovní pojištění (Annual Travel Insurance) Annual multi-trip travel insurance valid for up to 90 days per trip, covering Europe and worldwide destinations. Designed for frequent travellers.
• Pojištění odpovědnosti občana (Personal Liability Insurance) Personal liability insurance covering damages to third parties, including health, property, and financial losses, with three coverage levels (10M, 30M, 50M CZK). 23% online discount available; pet-caused damage covered.
• Pojištění odpovědnosti při výkonu povolání (Professional Liability Insurance) Employee liability insurance covering damages caused to employers during work activities, including driving employer vehicles, lost equipment, fines, and faulty work.
• Můj majetek (Property and Household Insurance) Comprehensive property insurance covering residential buildings, apartments, and household contents in Start, Standard, Exclusive, and All Risk packages, including self-inflicted damage coverage. Up to 23% online discount and 16% multi-product discount.
• Pojištění mazlíčků (Pet Insurance) Insurance for dogs and cats covering veterinary costs for injuries and illnesses, available in Start, Standard, and Exclusive tiers. Up to 5 animals per contract; 10% minimum deductible.
• Pojištění koní (Horse Insurance) Specialized insurance for horses covering mortality, illness, injury, and veterinary costs, with options for breeding, racing, and liability coverage.
• Životní pojištění Můj život (Life Insurance My Life) Modular life and health insurance providing critical illness, disability, accident, and death benefit coverage in investment and risk variants. Tax-deductible up to 48,000 CZK/year; employer contributions up to 50,000 CZK/year exempt.
• Úrazové pojištění (Accident Insurance) Standalone accident insurance covering hospitalization, treatment duration, permanent disability, and death resulting from accidents, including dedicated child accident coverage.
• Pojištění právní ochrany (Legal Protection Insurance) Legal protection insurance provided through subsidiary D.A.S., covering employee disputes, driver-related legal matters, privacy issues, vehicle, and housing legal costs.
• Pojištění pro podnikatele a firmy (Business Insurance for Entrepreneurs and SMEs) Commercial insurance solutions for business owners covering vehicle fleets, commercial property, agricultural risks, business travel, financial risks, and professional liability, tailored to SME needs.
• Pojištění bytových domů (Apartment Building Insurance) Insurance for residential apartment buildings covering structural elements, common areas, shared utility systems, and communal liability for owners and housing associations.
• Pojištění motocyklů (Motorcycle Insurance) Mandatory third-party liability and related coverage for motorcycles, providing protection in case of accidents, theft, or vandalism.
• Pojištění sportovního vybavení (Sports Equipment Insurance) Insurance covering bicycles, skis, snowboards, and other sports equipment against theft and damage at home and during travel.
• Zemědělské pojištění (Agricultural Insurance) Tailored insurance for agricultural businesses covering crops, livestock, farm property, and operational risks specific to farming.

Quantifiable outcome

• 95% of property damage claims processed within 5 days; 90% within 2 days
• +5 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature4 records

Partnerships

One partnership is on record.

• Intermap TechnologiescoreTechnology or Integration · 8 July 2026Intermap Technologies partnered with Generali Česká pojišťovna and five other Czech insurers to expand the Aquarius RMA risk analytics platform with integrated property valuation analytics. The solution combines natural hazard and climate risk data with Flat Zone's residential real estate valuation models, enabling insurers to assess property values alongside flood and natural hazard exposures for underwriting and portfolio management. Plans include launch in Slovakia in July 2026 and extension across additional European markets.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/generaliceska
• YouTubeyoutube.com/generaliceska
• Facebookfacebook.com/generaliceska
• Instagraminstagram.com/generaliceska
• TikToktiktok.com/@generaliceska
• Pinterestcz.pinterest.com/GeneraliCeskaPojistovna

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Generali Česká pojišťovna