Wopta Assicurazioni

What Wopta Assicurazioni does

Wopta Assicurazioni s.r.l. is an Italy-based Managing General Agent (MGA) operating as a phygital insurtech, founded in June 2022 and headquartered at Galleria del Corso, 1 in Milan. The company distributes a portfolio of eight insurance product lines under the 'Wopta per te' brand — life (Vita), accident and illness (Persona), multi-risk business (Artigiani & Imprese), mandatory catastrophic (Catastrofali Azienda), supplemental health (Salute), GAP vehicle (Auto Valore Protetto), and savings/pension products (G Solution and Pensione Garantita) — underwritten by carrier partners including AXA France Vie, Global Assistance, and GamaLife, with Munich Re providing reinsurance support. It is registered with IVASS (RUI Section A, number A000701923) and serves primarily Italian artisans, SMEs with turnover up to €500,000, freelancers, and individuals aged 18–74.

The technology stack combines a self-serve digital platform (web and mobile app) with a 4,000+ intermediary distribution network and embedded insurance integrations across Banca Sella, Hype, SENEC, Facile.it, and Switcho. Wopta issues policies fully digitally (online quote, digital signature, instant card payment) and has deployed an AI conversational agent ('Anna,' September 2025) and a metaverse customer experience (April 2023). Distribution was further expanded in 2026 via two broker acquisitions (Zanni Broker and GM Insurance Broker) in Lombardy. Strategic trade-association partnerships with CNA, Confcommercio Palermo, and Confprofessioni anchor SME segment access.

Wopta generates revenue as an MGA through commissions on brokered premiums. Reported revenue was €1.4 million in 2023 and €5 million in 2025/2026, with brokered premiums scaling from €3 million to over €20 million in the same period. The company has raised over €20 million across funding rounds since 2022 (pre-seed in 2022, €4.1M Series A in July 2024, additional rounds in January 2025 and May 2026), reached positive EBITDA 12 months ahead of plan, and was valued above €100 million post-money as of May 2026. It has announced plans for a €50 million Series B to fund European expansion.

Name

Wopta Assicurazioni

Legal name

Wopta Assicurazioni s.r.l.

Website

https://wopta.it

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Wopta Assicurazioni is an Italian phygital insurtech MGA distributing life, P&C, health, and savings/pension products via digital channels, embedded partnerships, and a 4,000+ intermediary network serving artisans, SMEs, freelancers, and individuals.

Ownership category

akta.pro rank

Product category

Insurance Distribution (MGA)

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industry

Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)

Keywords

• Insurance distribution services
• Embedded insurance products
• Phygital insurance platform
• SME business insurance
• Personal protection policies

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums and Commissions: Wopta acts as an MGA (Managing General Agent) distributing insurance products underwritten by partner insurers (AXA France Vie, Global Assistance). Revenue is generated through commissions on premiums written. In 2023, Wopta reported €3 million in premiums and €1.4 million in revenue. By 2025/2026, brokered premiums exceeded €20 million with €5 million in revenue.
2. Broker Network Expansion (M&A): Acquisition of brokerages (Zanni Broker, GM Insurance Broker) to expand physical distribution network and capture additional premium revenue in specific regions.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Wopta Assicurazioni is an Italian phygital insurtech operating as a Managing General Agent (MGA) that distributes life, accident, health, property/casualty multi-risk, GAP vehicle, mandatory catastrophic, and savings/pension insurance products underwritten by carrier partners (AXA France Vie, Global Assistance, GamaLife). Products are sold under the 'Wopta per te' brand to Italian artisans, SMEs, professionals, and individuals through a self-serve digital platform, a 4,000+ intermediary network, and embedded insurance partnerships.

Product overview

Wopta Assicurazioni is an Italian phygital insurtech MGA (Managing General Agent) offering a comprehensive portfolio of insurance products under the 'Wopta per te' brand. The portfolio comprises life insurance (Wopta per te Vita), accident and illness coverage (Wopta per te Persona), business multi-risk insurance (Wopta per te Artigiani & Imprese), mandatory catastrophic risk insurance (Wopta per te Catastrofali Azienda), supplemental health coverage (Wopta per te Salute), GAP vehicle insurance (Wopta per te Auto Valore Protetto), and savings/pension products (G Solution and Pensione Garantita). The company operates a phygital distribution model combining digital infrastructure with physical agent network, targeting artisans, SMEs, professionals, and individuals in Italy.

Differentiator

Problem solved

Functional benefit

Brands

• Wopta per te Vita: Life insurance product offering temporary death coverage, total permanent disability, temporary incapacity, and critical illness protection
• Wopta per te Persona
• Wopta per te Salute
• Wopta per te Artigiani & Imprese
• Wopta per te Catastrofali Azienda
• Wopta per te Auto Valore Protetto
• G Solution
• Pensione Garantita

Products and services

• Wopta per te Vita Online term life insurance providing economic support in case of death, with coverage up to €300,000 for applicants up to 54 years old. Fixed premium for entire policy duration, fully digital application process. For Italian residents seeking life protection.
• Wopta per te Persona Accident and illness insurance protecting income in case of work or leisure injuries, with coverage options including permanent disability, temporary incapacity, and medical expense reimbursement. Three coverage tiers: Base, Scelta per te, and Completa. Available to Italian residents aged 18-74, with coverage valid worldwide.
• Wopta per te Artigiani & Imprese Multi-risk insurance for artisans, businesses, and professionals with annual turnover up to €500,000. Covers fire, theft, civil liability, cyber risk, business interruption, and natural disasters. Fully digital application with IVA-only requirement. Monthly payment options available at no additional cost.
• Wopta per te Catastrofali Azienda Mandatory catastrophic risk insurance for Italian businesses as per Decree Law 213/2023. Covers earthquakes, landslides, floods, and inundations. Coverage limits: buildings up to €1,500,000, equipment up to €500,000. Minimum premium from €100/year. Premium varies by geographic risk zone, insured sums, and property type.
• Wopta per te Salute Supplemental health coverage through partnership with Aglea Salus mutual benefit society. Three tiers: SMART (basic access to private healthcare), COMPLETA (surgical procedures and maternity), and TOP (maximum coverage up to €150,000 for hospitalizations). Available up to age 74, coverage to age 80.
• Wopta per te Auto Valore Protetto Guaranteed Asset Protection insurance covering the gap between vehicle's initial purchase value and market value at time of total loss. Covers theft, fire, hail, and total damage. Available for new and used vehicles with flexible contract durations.
• G Solution Single-premium whole life insurance with Gamalife Separated Fund 'Previr'. Capital guaranteed in case of death or after 10 years. Minimum premium €10,000, maximum €1,000,000. Yield of 4.5% in 2024. Exempt from stamp duty and succession tax. Issued by GamaLife.
• Pensione Garantita Individual Pension Plan (PIP) with Gamalife 'Fondo V.I.P.' separated fund. Annual contribution deductibility up to €5,164.57. Capital guaranteed with consolidated annual returns. Competitive ISC (Synthetic Cost Indicator). Flexible contributions and early withdrawal options for health, home, or personal needs.

Quantifiable outcome

• 220,000+ customers protected
• +5 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability3 records

Feature4 records

Partnerships

15 partnerships are on record, tiered minor and core.

• MUDA - Museo dell'AssicurazioneminorOthers · 28 January 2026Wopta became a Benefactor Member (Socio Benemerito) of MUDA - Museum of Insurance, supporting insurance cultural heritage. Launched WoptaFlashback cultural initiative.
• SENECcoreGTM or Marketing Partner · 18 September 2025Partnership to provide integrated insurance for photovoltaic systems. Joint winner of Italian Insurtech Award 2025 - Embedded Insurance Innovation. Wopta provides embedded insurance coverage for SENEC solar customers.
• GamaLifecoreTechnology or Integration · 14 November 2024GamaLife - Companhia de Seguros de Vida S.A. is the insurance carrier for Wopta's G Solution (savings life insurance) and Pensione Garantita (individual pension plan/PIP) products. Products use GamaLife's Previr and Fondo V.I.P. separate management funds.
• Aglea Salus (Società di Mutuo Soccorso)coreStrategic or Co-development Partner · 17 October 2024Mutual health company offering Wopta per te Salute supplementary health plans. Aglea Salus is a non-profit mutual benefit society with ~5,000 affiliated healthcare facilities. Wopta distributes Aglea Salus plans under the Wopta per te Salute brand (SMART, COMPLETA, TOP tiers).
• Banca SellacoreGTM or Marketing Partner · 17 September 2024Embedded insurance partnership for Banca Sella eCommerce clients. Wopta provides supplementary insurance products distributed through Sella's digital banking platform.
• SwitchominorGTM or Marketing Partner · 27 June 2024Partnership with Switcho for insurance product distribution. Switcho is an insurance comparison/management platform.
• Italian Insurtech Association (IIA)minorOthers · 11 June 2024Wopta became a member of the Italian Insurtech Association, participating in industry events, awards, and ecosystem development.
• Fintech DistrictminorOthers · 22 November 2023Wopta joined the Fintech District community, Italy's fintech ecosystem hub.
• HypecoreGTM or Marketing Partner · 17 July 2023Joint embedded insurance product for Hype professional customers. Partnership won Italian Insurtech Awards 2024 in Embedded Insurance category. Wopta provides insurance coverage integrated into Hype's fintech platform.
• Confcommercio PalermominorGTM or Marketing Partner · 19 June 2023Partnership to support and protect SMEs in the Palermo territory. Distribution of Wopta insurance products through Confcommercio's commercial network.
• Facile.itcoreGTM or Marketing Partner · 18 May 2023Partnership to develop and distribute SME insurance products through Facile.it's digital aggregation platform.
• ConfprofessioniminorGTM or Marketing Partner · 5 April 2023Partnership with the Italian association of liberal professionals. Wopta provides insurance products for Confprofessioni members.
• CNA (Confederazione Nazionale dell'Artigianato e della Piccola e Media Impresa)coreGTM or Marketing Partner · 3 October 2022Major partnership with Italy's largest artisans' confederation. CNA members receive access to Wopta's insurance products tailored for artisans and SMEs. Co-marketing and distribution through CNA's national network.
• AXA France ViecoreTechnology or Integration · 15 June 2022AXA France Vie - Rappresentanza Generale per l'Italia is the insurance carrier for Wopta per te Vita (term life insurance) products. Wopta selected AXA for shared vision on innovative, simple, and transparent insurance solutions.
• Global AssistancecoreTechnology or Integration · 15 June 2022Global Assistance Compagnia di Assicurazioni e Riassicurazioni S.p.A. is the insurance carrier for Wopta per te Persona (accident and illness) products. Selected for shared vision on innovative modular insurance solutions.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Prima Assicurazioni: Italy's largest digital-first auto/home insurance MGA, operating a 100% online model. Most direct competitor to Wopta in the Italian digital insurance intermediary space, though Wopta differentiates via its 4,000+ physical intermediary network and broader P&C/life portfolio.
• Yolo: Italian on-demand and embedded insurance platform serving consumers and SMEs. Comparable to Wopta through its focus on digital distribution and B2B2C partnerships, though Yolo's product set skews toward parametric/usage-based rather than traditional indemnity lines.
• Verti: Italian online insurer owned by MAPFRE offering motor, home and health products direct-to-consumer. Comparable to Wopta as a digitally distributed Italian insurer/MGA targeting individual consumers and small businesses.
• MioAssicurato: Italian digital insurance broker offering multi-carrier motor, home and life comparison. Comparable to Wopta in serving Italian consumers and SMEs through digital channels with multi-carrier distribution.
• Linear: Italian online insurance broker owned by Unipol Group. Comparable to Wopta as a digital insurance intermediary in the Italian market, with the difference that Linear is backed by a large incumbent insurance group.

Regional players

• Net Insurance: Italian specialty insurer and MGA focused on credit protection, welfare and assistance products. Comparable to Wopta as a regulated Italian insurance intermediary/MGA operating in the same regulatory perimeter under IVASS.

Emerging players

• Getsafe: German digital insurance platform offering liability, home and life products direct-to-consumer. Comparable to Wopta in targeting underserved digital-first customers with simple, modular insurance products, though in DACH rather than Italy.
• Clark: German insurance broker app consolidating insurance products in a digital interface. Comparable to Wopta through its digital-first distribution model across multiple insurance lines and focus on making insurance simple for non-expert customers.

Broad incumbents

• Generali: Italy's largest insurance group with broad P&C, life and asset management operations. Comparable to Wopta as an Italian insurance market participant, though Generali is a much larger incumbent carrier (rather than an MGA) and represents the traditional incumbent Wopta is competing against.
• UnipolSai: Italy's second-largest insurance group, dominant in motor and P&C for SMEs and families. Comparable to Wopta as a major Italian insurance provider competing in the same SME/professional and individual segments, with UnipolSai serving as the legacy incumbent benchmark Wopta aims to disrupt.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Wopta-Assicurazioni-111352414930469
• LinkedInlinkedin.com/company/wopta-assicurazioni
• Instagraminstagram.com/wopta_assicurazioni

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds6 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wopta Assicurazioni