What Yolo Tech Insurance does

Yolo Tech Insurance (legal name: Yolo Group S.p.A.) is an Italian insurtech founded in 2017 and headquartered in Milan, listed on Euronext Growth Milan (ticker: YOLO) since August 2022 as the first Italian insurtech IPO on Borsa Italiana. The company operates as a digital and phygital (physical + digital) insurance distribution enabler, distributing non-life insurance products from partner carriers (Generali, Allianz, Axa, Chubb, Zurich, AIG, MetLife, Helvetia, Net Insurance, Reale, Sara, Arag, and others) through three primary go-to-market motions: direct digital sales via yolo-insurance.com, a 450+ agent/broker network (YOLO Insurance Network), and embedded/B2B2C partnerships with banks, retailers, telcos, utilities, e-commerce platforms, and automotive dealers. Its product portfolio spans home (YoloHome from €5/month), pet, family legal protection, virtual hospital/telemedicine, travel, ski, auto/moto, natural catastrophe (YoloCat Nat mandated by Italian Law 213/2023 at €60/year), cyber risk, multi-risk, and professional liability cover.

The underlying asset is a proprietary technology platform providing an integrated insurance marketplace, end-to-end operations management, data management and a remarketing engine, with ISO 27001/2022 and CSA STAR certifications for information security. The platform supports rapid customization and integration with partner systems (e.g., white-label bancassurance deployments for Banca Etica and Raiffeisen through Assimoco, and Helvetia-powered bancassurance at Illimity and Banca Agricola Popolare di Ragusa). In September 2025 YOLO launched YO Insurance Assistant, an Agent AI supporting intermediaries in the phygital channel, followed by a Retail Agent AI in December 2025 for direct and partner distribution.

YOLO monetizes primarily through insurance brokerage commissions on intermediated premiums — €25.8M of premiums intermediated in 2025 (+112% YoY) versus €12M in 2024 — supplemented by technology platform services to insurance companies, banks, and embedded partners. Acquisitions have been the primary scaling lever: Bartolozzi Assicurazioni (April 2022), a 51% stake in AllianceInsay Broker Spa for automotive distribution (February 2023, ~€1.1M), and Kalibo Correduria de Segurosin in Spain (June 2024, €3.7M). The company is headquartered in Milan with a subsidiary in Spain and has stated intent to expand into Germany.

Name

Yolo Tech Insurance

Legal name

Yolo Group S.p.A.

Website

https://yolo-insurance.com

Company type

Public

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Yolo Tech Insurance is an Italian insurtech that distributes non-life insurance products digitally and through a 450+ agent/broker network, embedded partnerships with banks, retailers, automotive, telco, and e-commerce, and proprietary AI assistants for intermediaries and partners.

Ownership category

akta.pro rank

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: YOLO generates revenue primarily through insurance brokerage commissions. The company acts as an insurance intermediary distributing products from partner insurance companies and earns commissions on policies sold through its digital platform and partner network. The company's revenue has been growing, driven by higher insurance brokerage commissions.
2. Technology Platform Services: Revenue generated from providing technology platform services to insurance companies, banks, and other partners who use YOLO's digital infrastructure to distribute insurance products.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels4 records

Core offering

Yolo Tech Insurance (YOLO Group S.p.A.) is an Italian insurtech that operates a proprietary digital and phygital insurance distribution platform. It distributes a multi-line portfolio of consumer and SMB insurance products (home, pet, health, travel, sports, mobility, cyber, multi-risk, legal protection) under its own brand, while licensing its technology to insurance carriers, banks, agents/brokers, and non-insurance brands for embedded and bancassurance distribution.

Product overview

Yolo Tech Insurance (YOLO Group S.p.A.) is an Italian insurtech company that operates as a digital and phygital (physical+digital) insurance distribution enabler. The company offers a multi-product insurance portfolio and a technology platform that enables insurance companies, financial institutions, and companies in telecommunications, utilities, e-commerce, and mobility sectors to distribute digital and physical insurance products. The core offerings include the Yolo Insurance Network platform for agents and brokers, the YO Insurance Assistant AI agent, and a comprehensive range of insurance products covering home (YoloHome), health (YoloVirtual Hospital), sports, mobility and travel (auto, motorcycle, ski, travel), and business segments (cyber risk, multi-risk, professional liability). The company operates primarily in Italy and Spain with expansion plans to Germany, and is listed on Euronext Growth Milan.

Differentiator

Problem solved

Functional benefit

Brands

• YOLO Insurance Network (YIN): Digital platform for agents and brokers enabling them to expand their offering portfolio and optimize operational management through integrated digital and physical insurance solutions
• YO Insurance Assistant
• VirtualHospital.blue

Products and services

• Yolo Insurance Network Digital platform enabling insurance agents and brokers to expand their product portfolio and optimize operational management by integrating insurtech services into their physical business models. Used by 450+ agents and brokers as of October 2023.
• YO Insurance Assistant Agent AI for the phygital channel that supports sales and consulting activities of insurance intermediaries through conversational interactions and multi-step task execution.
• YoloHome Home insurance product protecting homeowners and renters from property-related risks, available online starting from EUR 5.00 per month, underwritten with Net Insurance.
• Yolofor Pet Pet insurance coverage available online at EUR 19.00 per month.
• YoloTutela Legale Famiglia Family legal protection insurance at EUR 8.00 per month.
• YoloVirtual Hospital Telemedicine and virtual hospital services providing digital health assistance at EUR 7.50 per month, launched with Blue Assistance.
• Yolofor Ski Ski and winter sports insurance at EUR 2.50 per day.
• YoloViaggio Travel insurance available at EUR 4.00 per day.
• Yolo Annullamento Viaggio Travel cancellation insurance at EUR 20.00 per day.
• YoloAuto e Moto Auto and motorcycle insurance products distributed through the YOLO platform, including indirect distribution via AllianceInsay to car dealers.
• YoloCat Nat Natural catastrophe insurance product required under Italian Law 213/2023, priced at EUR 60.00 per year per property unit.
• YoloCyber Cyber risk insurance for businesses at EUR 29.20 per month, with SMB cyber solution expanded through 2025 Infosecbox partnership.
• YoloMultirischi Multi-risk business insurance at EUR 21.09 per month.
• Yolo RC Professionisti e PMI Professional liability and SME insurance coverage for freelancers, professionals, and small businesses.
• Yolo Fotovoltaico Business Photovoltaic/solar panel insurance for residential properties and business installations, quoted via consultants.
• Yolo Salute Business Business health insurance solutions for SMB clients.
• YoloTrasporti Transport and logistics insurance coverage for businesses and professionals.
• Yolo Libera Mente Special Special insurance product distributed in partnership with MetLife, available via consultant quote.
• YoloSport Sports insurance coverage, launching online on the YOLO storefront.
• YoloTutela Legale PMI Legal protection insurance for small businesses at EUR 40.00 per month.
• YoloTutela Legale Professionisti Legal protection insurance for professionals at EUR 37.50 per month.
• Monopattino&Bici Insurance Micromobility insurance for bicycles and electric scooters, launched in partnership with Europ Assistance Italia.
• VirtualHospital.blue Telemedicine service distributed under the VirtualHospital.blue brand via the partnership with Blue Assistance, covering the e-health segment.

Quantifiable outcome

• 25.8 million euros in premiums intermediated in 2025 (+112% year-over-year)
• +3 more outcomes

Named customers13 records

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature4 records

Partnerships

20 partnerships are on record, tiered core and minor.

• Kalibo Correduria de SegurosincoreStrategic or Co-development Partner · 20 June 2024YOLO acquired Spanish insurance company Kalibo Correduria de Segurosin for EUR 3.7 million in a two-tranche deal with additional purchase contingent on financial performance. The acquisition aims to strengthen YOLO's presence in Spain and support its growth and digital distribution strategy.
• AllianceInsay Broker SpacoreStrategic or Co-development Partner · 17 February 2023YOLO acquired a 51% stake in AllianceInsay Broker Spa, an insurance distribution company for car dealers, for approximately EUR 1.1 million. The company focuses on digital and smart mobility innovations in the automotive insurance market.
• Bartolozzi AssicurazionicoreStrategic or Co-development Partner · 7 April 2022YOLO acquired a majority stake in insurance agency Bartolozzi Assicurazioni to enhance digital and physical insurance distribution. The deal supports intermediaries across Italy with integrated digital and traditional insurance solutions.
• Net InsurancecoreTechnology or IntegrationNet Insurance partners with YOLO for multiple insurance products including home insurance (Yolo Home), multi-risk policies for businesses, cyber insurance, and rental insurance for the Comune di Milano. YOLO distributes Net Insurance products through its digital platform.
• Helvetia ItaliacoreTechnology or IntegrationBancassurance partnership starting from 2018, previously focused on retail insurance and expanded to include SME products through partners like Illimity and Banca Agricola Popolare di Ragusa.
• HelbizcoreTechnology or IntegrationPartnership for integrated micromobility and insurance services, launching insurance solutions for Helbiz's sharing platform customers including bikes and electric scooters.
• Hyundai ItaliacoreTechnology or IntegrationPartnership for distribution of medical assistance services included in post-sale packages for Hyundai customers in Italy.
• Despar Centro-SudminorChannel Partner/ Reseller/ DistributorDistribution of insurance products for mobility, leisure, property, and pets through Despar retail stores in Southern Italy.
• Carrefour ItaliaminorChannel Partner/ Reseller/ DistributorDistribution of digital insurance policies through Carrefour Italia retail stores, diversifying service offerings for consumers.
• FarmacashminorChannel Partner/ Reseller/ DistributorPartnership to expand insurance services offered at pharmacies through ATM terminals located inside pharmacies.
• IllimityminorChannel Partner/ Reseller/ DistributorBancassurance partnership extending Helvetia-YOLO offerings to SME segment through Illimity's digital banking platform.
• Artigian BrokercoreChannel Partner/ Reseller/ DistributorOfficial insurance partner for Confartigianato Imprese, distributing Cat Nat (Natural Catastrophe) insurance digitally. Over 1,200 policies placed in three months.
• Assimoco GroupcoreChannel Partner/ Reseller/ DistributorPlatform partnership where YOLO technology was used to customize digital insurance sales for Banca Etica and Raiffeisen.
• GeneralicoreTechnology or IntegrationInsurance company partner distributing products through YOLO platform. Logo displayed on partner section of website.
• AllianzcoreTechnology or IntegrationInsurance company partner. Logo displayed on YOLO website partner section.
• AxacoreTechnology or IntegrationInsurance company partner. Logo displayed on YOLO website partner section.
• ChubbcoreTechnology or IntegrationInsurance company partner. Logo displayed on YOLO website partner section.
• ZurichcoreTechnology or IntegrationInsurance company partner. Logo displayed on YOLO website partner section.
• AIGcoreTechnology or IntegrationInsurance company partner. Logo displayed on YOLO website partner section.
• YOLO Insurance Network PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of 450+ insurance agents and brokers using YOLO Insurance Network platform to integrate insurtech services into their physical operating models.

Scale indicators11 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• BIMA: Mobile-first microinsurance provider distributing insurance through telecom, banking, and retail partners in emerging markets; comparable to YOLO's telco/utilities (Aruba), banking (Illimity), and retail (Carrefour) embedded partnerships.
• Wefox: European digital insurance platform combining a digital marketplace with a network of insurance intermediaries, very similar in phygital approach and B2B2C orientation to YOLO's model.
• Luko: French digital home insurer with a phygital distribution model and embedded insurance partnerships; comparable to YOLO on home insurance subscription product and B2B2C distribution (Luko was acquired by Generali in 2022, making the Generali relationship a direct analogue).
• Lemonade: US-listed AI-native digital insurer with subscription-priced products and embedded AI agents; comparable to YOLO on the AI-agent (YO Insurance Assistant) angle and the modular subscription product catalog (home, pet, travel, etc.).
• Knip: Dutch/Swiss digital insurance broker that aggregates policies from multiple carriers via a digital app; comparable to YOLO's marketplace model intermediating products from Generali, Allianz, Axa, Chubb, and others.
• Simplesurance: Berlin-based embedded insurance platform that integrates insurance products into third-party digital checkout flows; directly comparable to YOLO's embedded distribution motion across banking, retail, and e-commerce.
• Coya: German insurtech providing digital insurance infrastructure for SMEs and consumers via partner distribution channels; comparable to YOLO's mix of B2C subscription products and B2B2C distribution partnerships.

Emerging players

• CoverHero: European embedded insurance infrastructure for digital platforms, enabling partners to distribute and service insurance products — closely aligned with YOLO's marketplace and platform-services revenue stream.
• Insify: Amsterdam-based digital insurance broker focused on SMEs and freelancers, with embedded B2B2C distribution through accounting and HR platforms (similar to YOLO's Qonto and F2D partnerships).

Broad incumbents

• ZhongAn: China's largest pure-play digital insurer and the pioneer of embedded insurance ecosystems; comparable to YOLO as a broader incumbent demonstrating the scale ceiling of the embedded-insurance-as-a-platform model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/yolo-tech-insurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds9 records

Investors13 records

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

M&A3 records

Investments

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

Frequently asked questions about Yolo Tech Insurance