Agra pojišťovna

What Agra pojišťovna does

Agra pojišťovna is the Czech organizational branch (organizační složka) of Österreichische Hagelversicherung VVaG (ÖHV), an Austrian mutual insurance association founded in Vienna in 1946. Established in Prague in October 2006 as ÖHV's first foreign branch, the company specializes exclusively in agricultural insurance for Czech crop and livestock producers. It has held the position of the second largest agricultural insurer in the Czech Republic since 2016, insuring approximately 520,000 hectares of farmland for around 2,000 clients as of 2021, up from 350,000 hectares in 2015.

The product portfolio spans arable crop insurance (Agrar Univerzál, Agrar Paušál, Agrar Basis), specialty cover for poppy, sugar beet, hops, wine grapes, fruit, and strawberries, three tiers of livestock mortality insurance, and Indexové pojištění sucha — an index-based drought product using ~6,200 ČHMÚ-aligned reference points that was the first such policy on the Czech market. Underlying technology includes the AgraSat satellite monitoring service (NDVI imagery delivered free to policyholders via the client portal), the MOSES field damage assessment system, and a self-service Klientský portál that supports contract management, claims reporting, and document access.

Agra generates revenue through annual recurring premiums structured per hectare or per livestock head, with pricing varying by crop, coverage tier, deductible, geography, and historical loss experience. Distribution is multi-channel: six regional area managers covering distinct Czech geographies, independent insurance brokers (makléři), and embedded partnerships with generalist insurers Kooperativa, ČPP, and UNIQA. Eligible policyholders can access state subsidies through PGRLF covering up to 50% of premiums. The entity operates under Česká národní banka supervision and is part of the broader ÖHV group, which insures over 2 million hectares across seven European countries.

Name

Agra pojišťovna

Legal name

Österreichische Hagelversicherung – Versicherungsverein auf Gegenseitigkeit, Agra pojišťovna, organizační složka

Website

https://agrapojistovna.cz

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Agra pojišťovna is the Czech branch of Austrian mutual insurer Österreichische Hagelversicherung, specializing exclusively in agricultural insurance — crop, livestock, and specialty crops — for Czech farmers across approximately 520,000 hectares and 2,000 clients.

Ownership category

akta.pro rank

Product category

Agricultural Insurance

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Crop & Farm Property Insurance (FSAJACAK)

akta.pro secondary industry

Farm Risk Management & Insurance Advisory (AFACAJAD)

Keywords

• Agricultural crop insurance
• Livestock insurance
• Specialty crop insurance
• Index drought insurance
• Agricultural risk management

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Agricultural Crop Insurance Premiums: Annual recurring insurance premiums charged to farmers for coverage of crop-related perils including hail, frost, drought, flood, wind, fire, pest damage, and other weather-related risks. Premiums are calculated per hectare and vary by crop type, coverage tier, and geographic location. State subsidies available through PGRLF (Podpůrný a garanční rolnický a lesnický fond) program covering up to 50% of premiums for eligible policyholders.
2. Livestock Insurance Premiums: Annual recurring premiums for livestock insurance covering mortality due to infectious diseases, acute poisoning, electrical shock, natural disasters, and other perils. Offered in three variants with escalating coverage tiers, with the top variant including coverage for other mass diseases and breeding animal casualties.
3. Specialty Crop Insurance Premiums: Specialized insurance products for high-value crops including hops, poppy seed, sugar beet, grapes (wine), and fruit orchards, typically offering broader peril coverage including drought at germination, frost, flood, and pest damage. Premiums structured as annual subscriptions with optional coverage tiers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Agra pojišťovna is a specialized agricultural insurer offering a comprehensive portfolio of crop and livestock insurance products for Czech farmers. Coverage spans hail, fire, frost, drought, flood, wind, and pest damage across arable land (Agrar Univerzál, Agrar Paušál, Agrar Basis), specialty crops (poppy, sugar beet, fruit, wine grapes, hops), and three livestock variants. The offering is supplemented by the AgraSat satellite monitoring service, an index-based drought insurance product, and a web-based Klientský portál (Client Portal) for policy and claims management.

Product overview

Agra pojišťovna is a specialized agricultural insurer offering a comprehensive portfolio of crop and livestock insurance products, supplemented by digital services. Crop insurance includes three arable land product lines (Agrar Univerzál, Agrar Paušál, Agrar Basis), specialized products for poppy (Univerzál mák) and sugar beet (Univerzál cukrová řepa), and index-based drought insurance (Indexové pojištění sucha). Livestock insurance is available in three variants (Varianta 1, 2, 3) covering diseases, natural disasters, and breeding animals. Specialty crops are covered through fruit insurance (Ovoce, Ovoce pod sítí), wine grape insurance (Vinná réva – Basis, Vinná réva – Univerzál), and hops insurance (Chmel). The product portfolio is supported by a client portal (Klientský portál) and the satellite-based AgraSat service for precision agriculture monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• AgraSat: Satellite imagery service for agricultural monitoring - unique bonus for clients providing time-series satellite images of their crops with NDVI analysis
• Agrar Univerzál
• Agrar Basis
• Agrar Paušál
• Univerzál mák
• Univerzál cukrová řepa
• Indexové pojištění sucha
• Vinná réva – Univerzál
• Vinná réva – Basis
• Ovoce / Ovoce pod sítí

Products and services

• Agrar Univerzál

Quantifiable outcome

• Insured 520,000 hectares in the Czech Republic as of 2021, representing a significant share of Czech agricultural land
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Aliance pro bezemisní budoucnost (Alliance for Emission-Free Future)minorStrategic or Co-development Partner · 1 February 2026Agra pojišťovna became a member of the Alliance for Emission-Free Future in early 2026. The company contributes expertise in agricultural land adaptation to climate change, climate risk management, emissions reduction, and sustainable agriculture. Agra serves as a specialist partner for topics including carbon removal, regenerative and precision agriculture, and prevention of weather-related damage. The company also supports the development of pilot projects in regions and expert debate on public policy settings.
• Kooperativa pojišťovnacoreChannel Partner/ Reseller/ DistributorKooperativa includes Agra agricultural insurance products in its comprehensive insurance offerings to agricultural clients in the Czech Republic. Kooperativa is one of three partner insurers through which Agra products reach farmers.
• ČPP (Česká podnikatelská pojišťovna)coreChannel Partner/ Reseller/ DistributorČPP distributes Agra agricultural insurance products as part of its comprehensive insurance offerings to agricultural clients in the Czech Republic.
• UNIQA pojišťovnacoreChannel Partner/ Reseller/ DistributorUNIQA includes Agra agricultural insurance products in its comprehensive offerings to agricultural clients in the Czech Republic.
• ČHMÚ (Český hydrometeorologický ústav)coreTechnology or IntegrationAgra pojišťovna uses official meteorological data and models from the Czech Hydrometeorological Institute (ČHMÚ) for its index-based drought insurance. The partnership provides the most accurate available method for precipitation deficit calculation across 6,200 reference points in the Czech Republic.
• PGRLF (Podpůrný a garanční rolnický a lesnický fond)coreOthersPGRLF administers state subsidy programs for agricultural insurance in the Czech Republic. Agra pojišťovna products are eligible for subsidies covering a portion of premiums (up to 50%) for eligible policyholders. Applications can be submitted from January 1 to October 30 annually.

Scale indicators8 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Vereinigte Hagelversicherung VVaG: Germany's leading mutual hail insurance specialist, based in Gießen. Operates with the same mutual-insurance model and crop-specialist focus as ÖHV/Agra, making it a structural comparable on both product and ownership basis.
• Österreichische Hagelversicherung VVaG: Parent company of Agra pojišťovna. Austria's leading mutual hail and agricultural insurer, founded 1946, operating across 7 European countries with 2+ million hectares insured. Same product portfolio (hail, frost, drought, livestock) and identical mutual structure make it the most direct comparable.
• Agroseguro: Spanish agricultural insurance pool (co-insurance consortium) underwriting crop and livestock risks under Spain's national agricultural insurance system. Directly comparable in product scope (multi-peril crop, livestock) though operated as a subscription pool rather than a mutual.

Broad incumbents

• Česká podnikatelská pojišťovna (ČPP): Czech generalist insurer focused on SMEs and corporate clients; also a partner distributor of Agra products. Targets agricultural enterprises through its commercial broker network alongside its own non-ag P&C lines.
• Allianz Insurance Czech Republic: Czech subsidiary of global insurer Allianz, offering agricultural coverage as part of a broad P&C portfolio. Competes for larger agribusiness clients with capital strength and international reach, contrasting Agra's specialist mutual model.
• Kooperativa pojišťovna, a.s., Vienna Insurance Group: One of the largest Czech insurers and a partner reseller of Agra products. Offers its own agricultural insurance products alongside broader P&C, life, and accident lines, positioning it as a direct competitor in some farmer accounts and a distribution partner in others.
• UNIQA pojišťovna, a.s. Czech subsidiary of Austrian-headquartered UNIQA Insurance Group, also a partner reseller of Agra products. Broad P&C insurer with agricultural offerings; competes in the mid-market while bundling Agra's specialist products for its larger farm clients.
• Česká pojišťovna (Generali Group): Largest Czech insurer by premium volume, part of Generali Group. Offers agricultural insurance as part of its broad P&C portfolio. Competes with Agra in the generalist/small-farmer segment while Agra competes on specialist crops and mutual-cooperative relationships.

Regional players

• Slovenská pojišťovna (Generali Group): Slovakia's largest insurer, part of Generali Group. Offers agricultural insurance products across the Slovak market, which is a direct neighbor and adjacent market to ÖHV's Czech operations. Comparable in crop-insurance mechanics and CEE regulatory environment.
• PZU SA: Poland's largest insurer with a meaningful agricultural insurance book, including subsidized crop insurance similar to PGRLF-backed products in Czechia. Comparable in product scope and Central European regulatory context, though operating in a different national market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=pjtM_CAC9oE
• LinkedInlinkedin.com/company/agrapojistovna

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Agra pojišťovna