Kooperativa pojišťovna, commonly known as Kooperativa, is a Czech insurance company based in Prague. It provides life and non-life insurance and is part of the Austrian Vienna Insurance Group (VIG).
Kooperativa has operated since 1991. In 2025, it had 2.48 million clients and a 23.3% share of the Czech insurance market, with written premiums of CZK 56.91 billion.
History Kooperativa traces its origins to the opening of the Czechoslovak insurance market after the fall of communism. In 1990, Austrian insurer Wiener Städtische participated in establishing a Czechoslovak insurer under the Kooperativa name, which began operations in 1991.
Following the dissolution of Czechoslovakia, the Czech business was reorganised into Česká Kooperativa and Moravskoslezská Kooperativa. They merged in 1999, with Česká Kooperativa becoming the legal successor.
In 2003, Kooperativa reached a deal to take over the non-life insurance business of Pojišťovna České spořitelny. The deal was worth about CZK 4.1 billion. Pojišťovna České spořitelny subsequently focused on life insurance and bancassurance. The Czech competition authority approved the deal later that year.
Kooperativa bought Česká podnikatelská pojišťovna (ČPP) in 2005. Kooperativa was then the second-largest insurer in the Czech Republic, while the two companies together accounted for about a quarter of the market. The competition authority approved the acquisition in June. ČPP remained a separate insurer within Vienna Insurance Group.
VIG announced plans in 2017 to merge Pojišťovna České spořitelny into Kooperativa. The companies then had market shares of 20.4% and 5.4%, respectively. They merged at the start of 2019. Pojišťovna České spořitelny disappeared as a separate company and brand, and its clients moved to Kooperativa. The merger made Kooperativa the largest Czech insurer by written premiums.
Operations Kooperativa provides life and non-life insurance to individuals and businesses. Its non-life business includes motor, property and liability insurance.
In 2025, the company wrote CZK 39.73 billion in non-life premiums and CZK 17.19 billion in life premiums. It managed 4.75 million insurance policies for 2.48 million clients and employed 4,036 people. Total written premiums were CZK 56.91 billion, giving Kooperativa a 23.3% share of the Czech insurance market.
At the end of 2025, Kooperativa reported total assets of CZK 100.31 billion, equity of CZK 19.47 billion and net profit of CZK 4.70 billion.
Kooperativa and ČPP are Vienna Insurance Group's two insurance companies in the Czech Republic. Together, VIG held 32.2% of the Czech insurance market in the first nine months of 2025 and was the country's largest insurance group.
See also Vienna Insurance Group List of companies of the Czech Republic
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