Czech business insurance company

What Czech business insurance company does

Česká podnikatelská pojišťovna (ČPP) is a Czech composite insurer operating since 1995 as a wholly-owned subsidiary of Vienna Insurance Group (VIG), one of the largest insurance groups in Central and Eastern Europe. The company ranks among the TOP 5 Czech insurers by premium volume and serves more than 1.3 million insured clients holding over 2.4 million active contracts, including more than 1.4 million insured vehicles. ČPP distributes its products through a multi-channel model combining its own branch network (pobočky), exclusive and non-exclusive insurance agencies, regional directorates, and online self-service platforms (kalkulacka.cpp.cz, online.cpp.cz, MojeČPP portal), with exclusive life insurance distribution partnerships with Partners Financial Services (Maximum line) and Broker Consulting (OK One line).

The company operates five integrated product lines: vehicle insurance (mandatory third-party liability Povinné ručení, casco Havarijní pojištění, Doplňková pojištění add-ons, and the Domovský autosalon dealer program); life and accident insurance (NEON family insurance in RISK/LIFE/INVEST variants, group accident Filip Plus, and partner-exclusive Maximum and OK One products); property and liability insurance for individuals (DOMEX+ for homes, BYTEX+ for apartment buildings, ZAMEX for employee liability, HAFAN for dogs); travel insurance with three coverage tiers and add-ons including COVID plus; and business insurance (SIMPLEX for small businesses, KOMPLEX for medium enterprises, custom industrial coverage, MaxiON, terrorism insurance, travel agency bankruptcy insurance, and carrier financial solvency insurance). The technology backbone relies on digital quoting and policy purchase, electronic identification, smartphone-based self-service vehicle inspection (samofocení), and a 24/7 assistance partnership with Global Assistance.

Revenue is generated primarily through recurring insurance premiums across personal and commercial lines, with investment-life insurance products (NEON INVEST, Maximum Invest, OK One Invest) providing additional fee income through partnerships with Amundi, Conseq, and ERSTE fund providers including ESG-classified funds. Pricing is risk-based and tiered (e.g., DOMEX+ MINI/OPTI/MAXI, SUPERPOV/SPECIÁLPOV/SPOROPOV, travel MINI/OPTI/MAXI), with online discount incentives (10% for travel insurance online, 30% on NEON permanent injury rider) and loyalty mechanisms (bonus/malus up to 50%, multi-product bundle discounts). Geographic operations are exclusively Czech Republic, with the company headquartered in Modřice and operating under Czech Ministry of Finance regulation.

Name

Czech business insurance company

Legal name

Česká podnikatelská pojišťovna, a.s., Vienna Insurance Group

Website

https://cpp.cz

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Česká podnikatelská pojišťovna (ČPP) is a Czech composite insurer and wholly-owned Vienna Insurance Group subsidiary offering vehicle, life, property, travel, and business insurance to over 1.3 million Czech clients across retail and SMB segments.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113)

SIC

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

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), General Liability Insurance (FSAJAMAE), Public Liability (Premises/Operations) (FSAJADAD)

Keywords

• Vehicle insurance
• Life insurance
• Property insurance
• Business insurance
• Travel insurance

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, Infrastructure, Technology or R&D

Revenue model

1. Insurance Premiums: ČPP generates revenue primarily through collecting insurance premiums from policyholders across vehicle insurance (mandatory third-party liability and comprehensive), life and accident insurance, property and liability insurance, travel insurance, and business insurance lines. Premiums are collected on subscription/recurring basis with annual, quarterly, or monthly billing cycles.
2. Investment Life Insurance (NEON INVEST, Maximum Invest, OK One Invest): ČPP offers investment life insurance products where a portion of premiums is allocated to investment funds (managed by partners such as Amundi, Conseq, ERSTE), generating fee income and potentially additional yield for policyholders.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

ČPP is a Czech general insurance company offering a comprehensive portfolio covering vehicle insurance (mandatory third-party liability and casco), life and accident insurance (NEON, Maximum, OK One), property and personal liability insurance (DOMEX+, BYTEX+, ZAMEX, HAFAN), travel insurance, and business insurance (SIMPLEX, KOMPLEX, MaxiON, terrorism, travel agency insolvency). The company distributes through its own branch network, exclusive and non-exclusive agencies, online self-service platforms, and exclusive channel partners Partners Financial Services and Broker Consulting.

Product overview

ČPP (Česká podnikatelská pojišťovna) is a Czech business insurance company and member of Vienna Insurance Group, offering a comprehensive portfolio of insurance products. The portfolio consists of five main product lines: (1) Vehicle Insurance including mandatory third-party liability (Povinné ručení), casco insurance (Havarijní pojištění), supplementary add-ons, and the Domovský autosalon dealer program; (2) Life and Accident Insurance featuring the NEON family insurance system (with RISK, LIFE, INVEST variants), group accident insurance (Filipem Plus), and partner-exclusive products (Maximum via Partners Financial Services, OK One via Broker Consulting); (3) Property and Liability Insurance comprising DOMEX+ for homes, BYTEX+ for apartment buildings, ZAMEX for employee liability, and HAFAN for pet insurance; (4) Travel Insurance with medical expense coverage and numerous add-ons including cancellation, sports, and COVID protection; (5) Business Insurance including SIMPLEX for small businesses, KOMPLEX for medium enterprises, custom solutions for large businesses and industry, MaxiON vehicle supplement, terrorism coverage, travel agency insolvency insurance, and carrier financial solvency insurance. The company provides online quotation and purchase capabilities for certain products.

Differentiator

Problem solved

Functional benefit

Brands

• NEON: Comprehensive life and accident insurance product offering protection against injury, illness, death, and disability with options for investment.
• DOMEX+
• BYTEX+
• SIMPLEX
• KOMPLEX
• HAFAN
• ZAMEX
• MaxiON
• Cestovní pojištění (Travel Insurance)
• Filip Plus
• Domovský autosalon ČPP III

Products and services

• Third-Party Liability Insurance (Povinné ručení)

Quantifiable outcome

• Over 1.4 million vehicles insured
• +6 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Vienna Insurance Group (VIG)coreOthers · 1 January 2005ČPP is a member of Vienna Insurance Group (VIG), one of the largest insurance groups in Central and Eastern Europe, since 2005. VIG provides ČPP with financial stability, operational support, and brand backing, strengthening ČPP's market position as TOP 5 Czech insurer.
• Global Assistance, a.s.coreTechnology or IntegrationGlobal Assistance provides ČPP's 24/7 assistance services for travel insurance (calling from Czech Republic: 1220, from abroad: +420 266 799 788), vehicle roadside assistance, and home emergency services. They also operate ČPP's vehicle inspection network (Global Expert) for entry inspections.
• Partners Financial ServicescoreChannel Partner/ Reseller/ DistributorPartners Financial Services is the exclusive distribution partner for ČPP's Pojištění Maximum life insurance products (Maximum Life, Maximum Invest). Customers can only purchase Maximum insurance through Partners Financial Services advisors.
• Broker ConsultingcoreChannel Partner/ Reseller/ DistributorBroker Consulting is the exclusive distribution partner for ČPP's Pojištění OK One life insurance products (OK One Život, OK One Invest). Customers can only purchase OK One insurance through Broker Consulting advisors.
• AmundiminorOthersAmundi provides investment fund options for ČPP's investment life insurance products (NEON INVEST, Maximum Invest, OK One Invest). Available funds include Amundi Fund Solutions Multi-Asset Growth/Balanced/Conservative, Amundi Funds European Equity Small Cap, Amundi Funds US Pioneer Fund, Amundi Funds Europe Equity Climate, and Amundi CR Sporokonto.
• ConseqminorOthersConseq provides Conseq Progresivní portfolio as an investment fund option within ČPP's investment life insurance products. ČPP also relocated Conseq funds from Ireland to the Czech Republic.
• ERSTE WWF Stock EnvironmentminorOthersERSTE WWF Stock Environment is a dark green fund (SFDR Article 9) available within ČPP's investment life insurance products (NEON INVEST, Maximum Invest, OK One Invest), enabling sustainable investment targeting environmental objectives with minimum 30% taxonomy alignment.
• ERSTE responsible bondminorOthersERSTE responsible bond is a light green fund (SFDR Article 8) available within ČPP's investment life insurance products, enabling ESG-aligned investing with minimum 1% taxonomy alignment.

Scale indicators5 records

Recent moves7 records

Expansion highlights12 records

Direct peers

• Generali Česká pojišťovna: The largest Czech insurance carrier offering a similarly broad multi-line portfolio (motor, life, property, travel, business). Direct competitor to ČPP across all five product lines in the Czech market and a benchmark for scale and pricing.
• Kooperativa pojišťovna: Vienna Insurance Group sister company in the Czech Republic and another TOP 5 multi-line Czech insurer. Most directly comparable peer due to identical VIG parentage, multi-line structure, and shared distribution philosophy (branch + agency + online).
• ČSOB Pojišťovna: ČSOB Group's multi-line insurance arm (part of KBC group) offering vehicle, property, life, and travel insurance. Comparable to ČPP across retail and SME segments with strong bancassurance distribution that ČPP partly mirrors through Partners Financial Services and Broker Consulting.
• Allianz pojišťovna: Czech subsidiary of Allianz Group offering motor, life, property, and business insurance. Comparable to ČPP as a multi-line carrier with strong brand, similar digital investments, and similar target customer base across Czech individuals and SMEs.
• Slavia pojišťovna: Czech multi-line insurance carrier offering motor, property, and life products. Comparable to ČPP as a domestically focused multi-line insurer competing for similar retail and SME customer segments within the Czech market.
• UNIQA pojišťovna: UNIQA's Czech subsidiary offering multi-line insurance (motor, life, property, travel). Comparable to ČPP in product breadth, central-European group backing, and Czech market positioning among the leading non-bank-affiliated carriers.
• AXA pojišťovna: Czech arm of AXA offering multi-line insurance (motor, property, life). Comparable to ČPP in product breadth, group-backed financial strength, and multi-channel Czech retail/SME distribution.

Emerging players

• Pillow pojišťovna: Czech digital-first insurer offering online home, motor, and travel insurance. Comparable to ČPP in product categories but competing with the digital-native model; relevant as the emerging direct competitor to ČPP's online self-service motion.
• ERV pojišťovna: Czech travel insurance specialist and ČPP competitor in the travel line (Cestovní pojištění). Comparable for travel product overlap; less so for ČPP's vehicle, life, and property lines where ERV does not compete.
• Direct pojišťovna: Czech direct-to-consumer insurer focused on motor insurance sold online. Comparable to ČPP on motor lines but represents the digital, branchless model that competes with ČPP's multi-channel structure in price-sensitive vehicle insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/-esk-podnikatelsk-poji-ovna-a-s-vienna-insurance-group

Revenue estimate

Valuation estimate

Number of profiles

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 Czech business insurance company