Insurer profile
Kooperativa pojišťovna, a.s., Vienna Insurance Group
Kooperativa pojišťovna is the second-largest insurance company in the Czech Republic, founded in 1991 as the first commercial insurer in former Czechoslovakia. It is a universal insurer offering a full range of life and non-life insurance products for individuals, small businesses, and large enterprises. It is a member of the Vienna Insurance Group.
Source- Legal entity
- Kooperativa pojišťovna, a.s., Vienna Insurance Group
- Headquarters
- Prague, Czech Republic
- Parent group
- Vienna Insurance Group (VIG)
- Regulator
- Czech National Bank (ČNB)
- Phone
- +420 957 105 105
- info@koop.cz
- Last verified
- May 1, 2026
Products from Kooperativa pojišťovna, a.s., Vienna Insurance Group
motor
Motor Third-Party Liability Insurance (NAMÍRU)
Statutory third-party liability insurance for motor vehicles with customisable cover limits and optional telematics-based discount via the KOOPILOT app.
motor
Comprehensive Motor Insurance (Havarijní pojištění)
Comprehensive casco insurance covering accidental damage, theft, natural events, and vandalism for passenger cars, motorcycles, and commercial vehicles.
motor
GAP Insurance (KoopGAP)
Covers the difference between the market value of the vehicle at the time of a total loss or theft and its original purchase price.
property
Home Contents Insurance (Pojištění domácnosti)
Insurance for household contents including furniture, electronics, valuables, and personal items against theft and natural perils.
property
Real Estate Insurance – Family House (Pojištění rodinného domu)
Insurance for private family houses covering structural damage from fire, flooding, storms, and other natural and accidental perils.
property
Apartment Insurance (Pojištění bytu)
Insurance for owned apartment units covering interior structures and fixtures against natural and accidental damage.
property
Cottage and Chalet Insurance (Pojištění chaty a chalupy)
Property insurance for recreational cottages and country houses covering fire, burglary, natural disasters, and liability.
property
Insurance for Small and Medium Businesses (Pojištění TREND)
Comprehensive insurance package for small and medium-sized enterprises covering property, liability, and business interruption.
property
Insurance for Medical Practices and Pharmacies (Pojištění ordinací a lékáren)
Specialised insurance product for medical practices and pharmacies covering property damage, liability, and professional risks.
property
Industrial and Large Enterprise Insurance (Pojištění průmyslu a podniků)
Tailored insurance solutions for large industrial enterprises and corporations covering property, liability, and engineering risks.
life
Life Insurance FLEXI
Universal life insurance product combining risk protection (death, disability, critical illness) with an optional investment component in multiple funds.
life
Term Life Insurance FLEXI (risk variant)
Pure risk life insurance providing cover for death and disability without a savings or investment component.
life
Life Insurance NA PŘÁNÍ – risk variant
Flexible term life insurance tailored to individual needs, covering death and selected life risks.
life
Life Insurance NA PŘÁNÍ – investment variant
Combined life insurance with risk coverage and investment component, allowing clients to build savings while being protected.
life
Life Insurance PERSPEKTIVA
Long-term life insurance with savings and investment elements for comprehensive lifetime financial protection.
life
Independence Insurance FLEXI (Pojištění soběstačnosti)
Insurance for loss of independence or long-term care needs, providing financial support when the insured can no longer manage daily activities independently.
life
Children's Life Insurance
Life and accident insurance designed for children, providing financial security in case of injury or health complications.
health
Accident Insurance (Úrazové pojištění)
Standalone accident insurance covering death, permanent disability, and medical costs resulting from accidents.
travel
Travel Insurance KOLUMBUS
Comprehensive travel insurance covering medical expenses abroad, emergency repatriation, baggage, and travel liability, available as single-trip or annual policy.
travel
Trip Cancellation Insurance
Insurance covering non-refundable travel costs if the insured is forced to cancel or interrupt a trip due to illness, accident, or other covered reasons.
travel
Home Insurance During Absence (Travel – Domestic Property)
Add-on to travel insurance covering burglary and damage to the insured's home while they are travelling abroad.
liability
Personal Liability Insurance (Pojištění odpovědnosti občanů)
Personal liability insurance covering bodily injury and property damage caused to third parties in everyday life, valid throughout Europe.
liability
Professional Liability Insurance (Pojištění profesní odpovědnosti)
Professional indemnity insurance for lawyers, architects, doctors, tax advisors, auditors, and other professionals covering errors and omissions.
liability
Statutory Employer Liability Insurance (Zákonné pojištění odpovědnosti zaměstnavatele)
Mandatory statutory employer liability insurance covering work-related injuries and occupational diseases, with Kooperativa as the legally designated insurer in the Czech Republic.
liability
Directors and Officers (D&O) Insurance
Liability insurance for directors and officers of companies covering financial losses caused by managerial decisions or breach of duty.
cyber
Cyber Risk Insurance (Pojištění kybernetických rizik)
Insurance protecting businesses against cyber incidents including hacking, data theft, ransomware, and denial-of-service attacks, with worldwide territorial cover.
other
Legal Protection Insurance (Pojištění právní ochrany)
Legal expenses insurance covering the cost of legal representation and proceedings in traffic, civil, and labour disputes.
other
Near-Assistance Service (Asistence NA BLÍZKU)
Home assistance and concierge service providing emergency support for household breakdowns, medical needs, and daily tasks.
Regulatory updates
Kooperativa pojišťovna is regulated and supervised by the Czech National Bank (ČNB), which oversees all domestic insurers under the Insurance Act. The CNB conducts ongoing prudential supervision including licence compliance, Solvency II reporting, and consumer protection. As of 2025, the CNB is conducting testing of life insurance providers on sanctions compliance (May 2025) and implementing DORA (Digital Operational Resilience Act) requirements effective from January 2025. No specific enforcement actions against Kooperativa have been publicly reported. Kooperativa also acts as the statutory employer liability insurer under Czech law (Decree No. 125/1993 Sb.).