PREMIUM Pojišťovna

What PREMIUM Pojišťovna does

PREMIUM Pojišťovna is the Czech branch of PREMIUM Insurance Company Limited, a Malta-domiciled non-life insurance carrier authorized by the Malta Financial Services Authority under the Insurance Business Act (Chapter 403) and supervised in the Czech Republic by the Czech National Bank. The company underwrites property, machinery and electronics, general third-party liability, professional indemnity, business interruption, directors and officers (D&O), and environmental liability coverage for corporate and SME clients, with underwriting capacity of up to CZK 1 billion for property and CZK 500 million for liability on individual corporate risks. Corporate policies are individually underwritten and priced, while the 2025-launched PREMIUM Business product packages the same risk families into a standardized, online-contractable policy for SMEs with up to 49 employees and turnover up to CZK 250 million, using all-risk wording, integral franchise deductibles, automatic restoration of limits, and a 20% underinsurance tolerance. Distribution is run almost entirely through licensed insurance intermediaries (makléři), supported by a dedicated Sales Division in Prague and a digital partner portal (Partnerská zóna) launched in 2025 that enables online quotation, electronic contract conclusion, and policy administration; claims are reported and tracked through a separate online portal with in-house handling led by the Claims Handling Director and supplemented by external adjuster CONTIN s.r.o.

The corporate parent was established in Gibraltar in 2015, licensed in 2016, re-domiciled to Malta in March 2019 following Brexit to preserve EU single-market access, and has since expanded its Freedom of Services territories to the Czech Republic (since 2017, with a formal branch since October 2023), Slovakia (since 2016), Germany, Austria, Hungary, Poland, and Croatia (since 2022). Solvency and large-line capacity rest on a reinsurance panel comprising Swiss Re, Hannover Re, Polish Re (a Fairfax Financial Group member), and VIG Re, each rated at least 'A' by S&P and AM Best. The Czech branch is staffed by 13 professionals covering sales, underwriting, claims, policy administration, IT development, risk engineering, and compliance; broader group functions including IT development and policy administration are led from the Slovak operation in Bratislava. Pricing is not publicly disclosed and is generated quote-by-quote, with revenue (gross written premium) not published in the available source material.

Name

PREMIUM Pojišťovna

Legal name

PREMIUM Insurance Company Limited

Website

https://premium-ic.cz

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

PREMIUM Pojišťovna is the Czech branch of Malta-domiciled PREMIUM Insurance Company Limited, underwriting non-life insurance (property, liability, machinery, D&O, environmental, business interruption) for Central European corporate and SME clients via broker channels across seven countries.

Ownership category

akta.pro rank

Product category

Commercial Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Public Liability (Premises/Operations) (FSAJADAD)

akta.pro secondary industries

Environmental / Pollution Liability (FSAJAGAF), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH), Product Liability (FSAJADAC)

Keywords

• Commercial property insurance
• Business liability coverage
• SME insurance solutions
• Business interruption insurance
• Insurance intermediary services

Headquarters

HQ city

St Julian's

HQ country

Malta

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Property and casualty insurance premiums: PREMIUM Insurance Company generates revenue through non-life insurance premiums across property, liability, business interruption, machinery, and specialty lines (D&O, environmental liability, professional indemnity). Premiums are recurring based on annual or multi-year policy renewals. The company operates as an insurer (not a broker), bearing underwriting risk and paying claims from premium pools backed by reinsurance arrangements.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

PREMIUM Pojišťovna is a non-life insurance company offering property, machinery/electronics, general and professional liability, business interruption, D&O, and environmental liability insurance for corporate and SME clients. The company distributes through insurance intermediaries and via an online-first approach for its PREMIUM Business bundled SME product.

Product overview

PREMIUM Pojišťovna is an insurance company offering a portfolio of non-life insurance products for corporate clients and entrepreneurs. The core product portfolio includes property insurance (Pojištění majetku), machinery and electronics insurance (Pojištění strojů a elektroniky), general third-party liability insurance (Pojištění obecné odpovědnosti), professional indemnity insurance (Pojištění profesní odpovědnosti), business interruption insurance (Pojištění přerušení provozu), directors and officers liability insurance (D&O), and environmental liability insurance. The company also offers PREMIUM Business, a bundled all-in-one insurance solution targeting small and medium entrepreneurs that combines multiple coverage types (property, liability, business interruption, machinery, environmental, D&O, and data protection) under a single policy with all-risk coverage, automatic limit restoration, and franchise-based deductibles. Products are available for corporate clients requiring individual underwriting, as well as through standardized offerings for SMEs.

Differentiator

Problem solved

Functional benefit

Brands

• PREMIUM Business: Comprehensive insurance product designed for small and medium-sized entrepreneurs with maximum 49 employees and annual turnover up to CZK 250 million, covering property, liability, business interruption, and other risks.

Products and services

• Pojištění majetku (Property Damage Insurance) Protects immovable and movable property against natural hazards and named risks, offering both specified-risk and all-risk coverage with optional supplementary items such as theft, glass breakage, and water damage coverage. Targeted at corporate clients.
• Pojištění strojů a elektroniky (Machinery Breakdown and Electronics Equipment Insurance)
• Pojištění obecné odpovědnosti za škodu (General Third Party Liability Insurance)
• Pojištění profesní odpovědnosti za škodu (Professional Indemnity Insurance)
• Pojištění přerušení provozu (Business Interruption Insurance)
• Pojištění odpovědnosti za škodu způsobenou členy orgánů společnosti (D&O Liability Insurance)
• Pojištění odpovědnosti za škodu na životním prostředí (Environmental Liability Insurance)
• PREMIUM Business (Insurance for Small and Medium Entrepreneurs) Comprehensive bundled insurance product for small and medium entrepreneurs (up to 49 employees, turnover up to CZK 250M), combining property, liability, business interruption, machinery, environmental, D&O, and data protection coverage with all-risk principles and franchise-based deductibles. Available through fully online quotation and contracting with electronic contract conclusion.

Quantifiable outcome

• Underwriting capacity of up to CZK 1 billion for property insurance and CZK 500 million for liability insurance for corporate clients
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• CONTIN s.r.o.minorImplementation/ SI/ Consulting PartnerCONTIN s.r.o. (ID: 292 64 448, Prague) is listed as an external claims handling partner for PREMIUM Pojišťovna in the Czech Republic. CONTIN provides external claims adjustment services under PREMIUM's claims handling framework.
• SOUKENÍK - ŠTRPKA, s. r. o.minorImplementation/ SI/ Consulting PartnerSOUKENÍK - ŠTRPKA, s. r. o. (ID: 36 862 711, Bratislava) is listed as an external legal advisory partner for PREMIUM Pojišťovna. The firm provides legal advisory services to PREMIUM, primarily supporting Slovak market operations.
• Axialis Legal s. r. o.minorImplementation/ SI/ Consulting PartnerAxialis Legal s. r. o. (ID: 067 97 199, Prague) is listed as an external legal advisory partner for PREMIUM Pojišťovna in the Czech Republic. The law firm supports Czech market legal advisory needs.

Scale indicators4 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• Allianz pojišťovna: Global insurer with full Czech operations covering P&C, life and health lines. Comparable as a broad-portfolio incumbent serving corporate and SME segments through brokers in the same Czech market where PREMIUM competes.

Emerging players

• Direct pojišťovna: Czech digital-first P&C insurer selling direct online rather than through brokers. Comparable to PREMIUM's SME digital contracting ambition as a technology-enabled challenger in the same Czech market.
• Colonnade Insurance: Specialty insurer operating in the Czech and Slovak markets with focus on property, liability and travel lines distributed through brokers. Comparable to PREMIUM as a smaller, broker-distributed CEE specialist with overlapping P&C product lines.

Direct peers

• ČSOB Pojišťovna: Czech insurer (KBC Group) offering P&C and life products distributed via bancassurance and broker channels. Comparable to PREMIUM in targeting Czech SME and corporate clients with multi-line P&C offerings.
• Slavia pojišťovna: Mid-sized Czech P&C insurer focused on retail and SME customers distributed through agents and brokers. Comparable to PREMIUM on product range, market segment focus, and broker/agent distribution model.
• Generali Česká pojišťovna: One of the largest Czech insurers offering property, liability, motor and life products through broker and agent channels. Highly comparable to PREMIUM as a multi-line P&C competitor with strong broker relationships in the same market.
• Kooperativa pojišťovna (Vienna Insurance Group): Largest non-life insurer in the Czech Republic and a core Vienna Insurance Group entity. Operates a broad P&C product range distributed through brokers and agents — directly comparable to PREMIUM's product mix, broker-led model, and Czech market focus.
• UNIQA pojišťovna: Austrian-headquartered insurer with significant Czech and Slovak operations focused on retail and SME P&C through brokers and tied agents. Closely comparable to PREMIUM on CEE geographic footprint, SME focus and broker-driven distribution.

Others

• Hannover Re: Global reinsurer that is itself part of PREMIUM's reinsurance panel. Relevant as an ecosystem counterparty and comparable benchmark for understanding the capacity and pricing dynamics PREMIUM depends on.

Regional players

• Wüstenrot - pojišťovna: Czech and Slovak P&C insurer serving retail and SME customers. Comparable to PREMIUM on regional CEE footprint and SME/corporate product positioning, though with stronger household/property heritage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/premium-pojistovna

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 PREMIUM Pojišťovna