Total Brokers

What Total Brokers does

Total Brokers a.s. is a Czech insurance brokerage firm established in 2005 and headquartered in Prague, operating as part of the SPGroup a.s. financial conglomerate. The company intermediates insurance products for individuals and businesses across three core categories: business insurance (company property, liability, transportation/carrier financial capacity, special risks including marine, aviation, receivables, agricultural, and embezzlement, plus fleet), vehicle insurance (compulsory liability, collision, and supplementary coverage such as GAP, glass, and assistance), and personal insurance (household/property, liability, life and accident, foreigner health, and travel). Total Brokers is authorized to arrange policies on behalf of 16+ insurance carriers including Allianz, Kooperativa, Generali, ČSOB Pojišťovna, Česká podnikatelská pojišťovna, UNIQA, Slavia pojišťovna (a sister SPGroup entity), AXA, Colonnade, Direct, ČPP, Komerční pojišťovna, Pojišťovna VZP, Hasičská vzájemná, MAXIMA, SV, Pillow, HALALI, AXA Assistance, and Servisní pojišťovna.

The firm serves a hybrid mix of consumer and enterprise clients through a sales-led go-to-market combining a national tied-agent network (vázaní zástupci) across the Czech Republic and a multi-language website (Czech, English, Ukrainian) with non-binding inquiry forms. Distribution is built on personalized consultation, multi-carrier comparison, and white-glove claims handling, with the company positioning on breadth of carrier access, 20 years of Czech-market presence, and differentiated expertise in health insurance for foreigners. There is no proprietary technology platform disclosed; operations rely on conventional brokerage workflow, tied-agent distribution, and standard web inquiry forms built on a third-party CMS (SUITU websites SE / MySuitu CMS).

Total Brokers earns revenue through transaction-fee commissions paid by partner insurers for policies arranged and managed. With registered capital of CZK 30,000,000, a workforce of 51-100, and a stated base of 200,000+ satisfied clients and 160,000+ managed policies, the company is a mid-sized Czech intermediary generating undisclosed revenue, governance through Chairman Pavel Sehnal and a multi-member board, and oversight by supervisory board member Petr Pořízek.

Name

Total Brokers

Legal name

Total Brokers a.s.

Website

https://totalbrokers.cz

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

Total Brokers a.s. is a Prague-based Czech insurance brokerage founded in 2005 as part of SPGroup a.s., intermediating business, vehicle, and personal insurance products from 16+ carriers to 200,000+ clients via a tied-agent network and multi-language digital channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage services
• Commercial property insurance
• Vehicle insurance
• Personal insurance
• Health insurance for foreigners

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Total Brokers earns revenue through commissions paid by insurance companies for arranging insurance policies. As an insurance broker/intermediary, they receive commissions from their partner insurance companies for each policy sold and managed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Total Brokers is a Czech insurance brokerage that arranges and manages insurance contracts on behalf of clients through a panel of 16+ partner insurers. Its portfolio spans business insurance (property, liability, fleet, transportation, and special risks), vehicle insurance (compulsory liability, collision, additional coverages such as GAP and assistance), and personal insurance (household, liability, life and accident, travel, and comprehensive health insurance for foreigners). The company serves both corporate clients and individual consumers across the Czech Republic via its website and tied-agent network.

Product overview

Total Brokers is a Czech insurance brokerage company offering a comprehensive portfolio of insurance products organized into three core categories: Business insurance (covering company property, liability, transportation/carrier risks, special risks including marine, aviation, agricultural, and embezzlement coverage, plus fleet insurance), Vehicle insurance (including compulsory liability, collision/accident coverage, and additional protections such as GAP, glass, and assistance services), and Personal insurance (encompassing property, liability, life and accident, foreigner health, and travel insurance). The company acts as an authorized intermediary for multiple insurance providers including Allianz, AXA, Colonnade, Česká podnikatelská pojišťovna, ČSOB Pojišťovna, Direct, Generali Česká, Hasičská vzájemná, Komerční pojišťovna, Kooperativa, Pojišťovna VZP, Servisní pojišťovna, Slavia, UNIQA, and others. The products are distributed through the company's website and network of contact points across the Czech Republic.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Comprehensive insurance solutions for businesses, including company property insurance, liability insurance, transport insurance and financial capacity of carriers, special risks insurance (marine, aviation, receivables, travel agency bankruptcy, agricultural risks, embezzlement), and fleet insurance. Aimed at small, medium and large Czech enterprises.
• Vehicle Insurance Motor vehicle insurance covering compulsory liability (mandatory for cars, motorcycles, trucks, buses, trailers and vintage cars), collision insurance (theft, replacement vehicle, natural disasters, animal damage), and additional cover (injury, GAP, assistance, glass). Designed for individual and commercial vehicle owners in the Czech Republic.
• Personal Insurance Individual insurance products including property insurance (household, apartment, house, construction), liability insurance, life and accident insurance (disability, death, illness, permanent consequences), travel insurance (cancellation, luggage, medical expenses, injury), and foreigner insurance (comprehensive health and necessary/urgent medical care). Designed for private individuals and families in the Czech Republic.
• Comprehensive Health Insurance for Foreigners Comprehensive health insurance for foreigners covering long-term stays in the Czech Republic at standards comparable to public health insurance. Authorized via partner carriers including Pojišťovna VZP, which provides access to 8,000+ medical facilities. Targeted at non-EU citizens required to hold health insurance under Czech residence law.
• Necessary and Urgent Medical Care Insurance for Foreigners Health insurance for foreigners covering necessary and urgent medical care, suitable for short stays up to 90 days in the Czech Republic. Targeted at visitors and short-stay foreigners required to hold health insurance under Czech law.

Quantifiable outcome

• Over 200,000 satisfied clients and 160,000+ managed insurance contracts
• +1 more outcomes

Named customers6 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

Partnerships

20 partnerships are on record, tiered core and minor.

• Allianz pojišťovna, a.s.coreChannel Partner/ Reseller/ DistributorOne of the three insurance companies with strongest position on Czech financial market since 1992. Total Brokers is authorized to arrange insurance products for Allianz.
• Kooperativa pojišťovna, a.s.coreChannel Partner/ Reseller/ DistributorSecond largest insurance company in the Czech Republic with 23% market share. Operating since 1991 as first commercial insurance company in the country.
• Generali Česká pojišťovna, a.s.coreChannel Partner/ Reseller/ DistributorModern financial institution with strong knowledge of Czech market and international background. Returned to Czech Republic in 1993 after nationalization period.
• ČSOB Pojišťovna, a.s.coreChannel Partner/ Reseller/ DistributorStrong and stable insurance company part of ČSOB Group and multinational KBC financial corporation. Debuted on Czech market in 2006.
• Česká podnikatelská pojišťovna (ČPP)coreChannel Partner/ Reseller/ DistributorThird largest provider of motor vehicle insurance with 1+ million insured vehicles and 1.6 million managed contracts. Part of Vienna Insurance Group since 2005.
• Direct pojišťovna, a.s.coreChannel Partner/ Reseller/ DistributorInnovative insurance company that revolutionized market by offering products exclusively via telephone and internet. Returned to Czech market in 2015.
• UNIQA pojišťovna, a.s.coreChannel Partner/ Reseller/ DistributorLeading insurance company on Czech market since 1993, part of UNIQA International Versicherungs-Holding GmbH. Holds universal insurance license.
• Slavia pojišťovna, a.s.coreChannel Partner/ Reseller/ DistributorTraditional insurance company founded in 1868 with roots in Czech insurance industry beginning. Part of SPGroup together with Total Brokers.
• Hasičská vzájemná pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorOne of oldest insurance institutions in Czech Republic, founded in 1900 in Brno. Activity renewed in 1992 by Association of Firefighters.
• Pojišťovna VZP, a.s.minorChannel Partner/ Reseller/ DistributorSpecialized health insurance company founded in 2004 as subsidiary of General Health Insurance Company. Offers health insurance for foreigners with network of 8000+ medical facilities.
• Colonnade Insurance S.A.minorChannel Partner/ Reseller/ DistributorInsurance company authorized from April 23, 2020. Provides additional insurance options in Total Brokers portfolio.
• AXA pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorInternational insurance company offering products through Total Brokers network.
• Komerční pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorCommercial insurance company partnered since April 2020.
• MAXIMA pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorInsurance company authorized since October 18, 2023.
• SV pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorInsurance company authorized since November 15, 2023.
• Pillow pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorInsurance company authorized since February 12, 2021.
• HALALI, všeobecná pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorInsurance company authorized since July 7, 2021.
• AXA ASSISTANCE CZ, s.r.o.minorChannel Partner/ Reseller/ DistributorAssistance services provider authorized since February 1, 2019.
• Servisní pojišťovna, a.s.minorChannel Partner/ Reseller/ DistributorService insurance company partner included in authorization list.
• Association of Czech Insurance Brokers (Asociace českých pojišťovacích makléřů)minorOthersProfessional association membership providing industry recognition and adherence to professional standards. Total Brokers holds membership certificate.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Aon Czech Republic: Global risk, insurance, and reinsurance broker with Czech operations serving corporate clients. Comparable intermediation function but focused on larger accounts and broader risk advisory services.
• Willis Towers Watson Czech Republic: Global insurance and advisory broker with presence in Czechia serving enterprise clients with complex risk needs. Comparable intermediation activity but at enterprise tier with broader advisory portfolio.
• Marsh Czech Republic: Global insurance brokerage and risk advisory firm with a Czech office serving large commercial and enterprise clients. Comparable in insurance intermediation, but operates at far greater scale and with broader portfolio.

Others

• Kooperativa pojišťovna: Czech insurance carrier (second-largest, ~23% market share) and partner of Total Brokers. While primarily an underwriter rather than broker, it competes with broker channels via direct sales and tied-agent networks of its own.

Direct peers

• INSIA: Czech insurance brokerage network with a tied-agent model similar to Total Brokers, distributing personal and commercial lines from multiple carriers. Closely comparable in distribution approach and customer base.
• SATUM Czech: Czech insurance brokerage offering commercial and personal lines via multi-carrier intermediation, with a comparable focus on risk analysis and tailored coverage for SME and enterprise clients.
• Broker Consulting: Czech financial services group providing insurance brokerage, financial advisory, and real estate services through a tied-agent network. Comparable in multi-product intermediation and tied-agent distribution model.
• Renomia: One of the largest independent Czech insurance brokerages, offering multi-line insurance intermediation (commercial and personal) across the Czech Republic. Directly comparable in business model, customer segments, and multi-carrier approach.
• OVB Allfinanz Czech Republic: Part of the pan-European OVB Holding, distributing insurance, investment, and financial products through tied agents in Czechia. Comparable tied-agent, multi-carrier distribution model across personal lines.

Emerging players

• Fincentrum & Fincentrum Reality: Czech financial advisory and comparison platform extending into insurance brokerage for consumer and small business clients. Comparable in personal lines intermediation but with a more digital-first delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 Total Brokers