How ČPP turned strategy into performance and beat its plan by CZK 2 billion

The three-year Strategy 2025+ transformation program aligned management across the company, set clear priorities and connected strategy to day-to-day execution. The result is higher performance, greater efficiency and sustainable long-term profitability.

CZK 17+ bn
gross written premium, CZK 2bn above plan
< 95%
stable combined ratio
27 initiatives
managed within the program
Transforming ČPP for the digital future of insurance
Challenge

Transforming ČPP for the digital future of insurance

In 2023, the new leadership faced the question of how to increase efficiency, profitability and the ability to respond to market change. Not through isolated projects, but as a managed program with clear priorities, measurable impact and functioning governance.

The answer was Strategy 2025+: a three-year transformation program with 27 initiatives, clear ownership and regular performance management.

Strategic goals

  1. Reach CZK 15 billion in gross written premium
  2. Stabilize the combined ratio below 95%
  3. Strengthen market position across individual business lines
  4. Increase the share of internal distribution
  5. Improve process efficiency and use of data

These goals were anchored in 27 concrete strategic activities across the pillars of People, Brand, Business, Digital World & Processes, and Smart Service.

"From the leadership's perspective, working with Kogi was key to setting a solid execution framework for the program and consistently driving initiatives through to practice. I appreciate their focus on successful implementation across the sales network, clear priorities, delivery pace and systematic performance improvement. Thanks to this approach, Strategy 2025+ turned into real, delivered results that are visible both in the numbers and in ČPP's everyday operations."
René Činátl, Chief Strategy Officer, ČPP
Approach and implementation

3 years · 5 pillars · 27 initiatives

A three-year program. The program ran 2023–2025: one year to define direction, two years of intensive delivery. Kogi CON acted as the external execution partner: it set up the governance model, managed the portfolio of initiatives and consistently drove results into the line organization. Of the 27 initiatives, 23 were fully completed and handed over to the business, 3 were closed due to migration to the new NEURON core system, and 1 was integrated into another initiative.

Each pillar delivered a clear impact:

  • People – Introducing a unified behavioral framework and managed employee lifecycle work increased engagement, team stability and managers' ability to systematically embed standards and know-how into everyday practice.
  • Brand – Defining two strategic segments and a unified redesign of branches increased the brand's relevance to clients, improved consistency of experience and clarified decisions on investment, products and sales activities.
  • Business – Strengthening the internal network, new sales tools, and managing the performance of partners and comparison sites led to greater efficiency in client work, better conversion and systematic sales performance management.
  • Digital World & Processes – A repeatable digitalization model, the Chat ČPP AI platform (30+ agents) and extensive end-to-end automation sped up key processes and freed up capacity for client-facing work.
  • Smart Service – New policy terms written in plain language and expanded assistance services increased clarity, legal certainty and the perceived value of insurance as a long-term service.
"What I value most about working with Kogi is their focus on pragmatic, useful activities, their ability to drive them through to execution, and their high consistency and discipline in rolling them out across the company. Thanks to that, we successfully delivered the strategic activities and handed them over to the business so it can keep building on them even after the program ended."
Pavel Wiesner, CEO, ČPP
Program results

The original strategic ambitions were exceeded

  1. Gross written premium exceeded CZK 17 billion, well above the original ambition of CZK 15 billion.
  2. The combined ratio remains stable, below the 95% threshold.
  3. The company strengthened its market position across individual business lines.
  4. The share of proprietary distribution increased.
  5. Process efficiency and data-driven work significantly improved thanks to digitalization, automation and the use of AI.

Strategy 2025+ has been formally closed out; we handed over the initiatives, and responsibility for their continued development now rests with the individual departments.

The original strategic ambitions were exceeded
Česká podnikatelská pojišťovna

Česká podnikatelská pojišťovna

Česká podnikatelská pojišťovna (ČPP) is a key player in the Czech insurance market. It specializes in providing a broad range of insurance products for individuals and businesses. With more than 1 million clients, it is one of the fastest-growing insurers in the Czech Republic. Through its extensive branch network across the country and the professional approach of its employees, ČPP has built a reputation as a reliable partner.

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