Sheltia

What Sheltia does

Sheltia Srl is an Italian independent insurance brokerage company founded in 2015 and headquartered in Rome, with its operational direction office in Milan. The company operates as a registered broker under IVASS supervision (RUI Section B, nr B000511867) and has been compliant with the EU Insurance Distribution Directive (IDD) since inception. Sheltia generates revenue through commissions on insurance and financial products it places with clients, earning fees on offerings across savings, investment, protection, pension, health, and corporate welfare categories. The company does not underwrite insurance or carry balance-sheet risk; instead, it intermediates between clients and multiple insurance carriers, recommending products based on a structured IDD-compliant needs-analysis methodology.

The company distributes through a network of approximately 300 trained Insurance Promoters (Promotori Assicurativi), Team Leaders, Branch Managers, and District Managers organized across 20+ branch offices throughout Italy covering Rome, Milan, Turin, Cagliari, Catania, Bari, Naples, and other cities. The promoters conduct face-to-face consulting with clients—primarily individuals, families, and small-to-medium enterprises (PMI)—and use internal tablet and app tools developed with IT partners to support the needs-analysis process. There is no public-facing digital platform, no API, and no disclosed technology product beyond the internal promoter tools. The company markets through its corporate website, career site, blog content, corporate events (annual Convention Manager), and organic social channels (Facebook, LinkedIn).

Sheltia's go-to-market is sales-led and entirely domestic, serving the Italian market only. The business is privately held with no disclosed external equity backing or parent company, led by President and CEO Alberto Maria Maturi. The company was recognized with the Le Fonti Awards for 'Eccellenza dell'Anno' in 2022 and 2023 consecutively, and ranks among the top 20 insurance brokerage companies in Italy according to the ASEFI ranking. In 2020, Sheltia reported a production volume of €21.6 million in premiums with 30% growth in contract count versus 2019; the company celebrated its 10th anniversary in 2025.

Name

Sheltia

Legal name

Sheltia Srl

Website

https://sheltia.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Sheltia is an Italian independent insurance brokerage (founded 2015) that intermediates life, protection, savings, and corporate welfare products through a nationwide network of approximately 300 trained promoters across 20+ branches, serving individuals, families, and SMEs.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

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

Keywords

• Insurance brokerage services
• Life insurance promotion
• Corporate welfare solutions
• Retirement pension products
• Protection insurance consulting

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices22 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Sheltia operates as an independent insurance broker earning commissions on insurance products placed for clients. The company selects and intermediates insurance solutions from various insurance companies based on client needs analysis.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Sheltia is an independent insurance broker that intermediates and distributes insurance and financial products from multiple insurance companies to Italian individuals, families, and small/medium enterprises. Its portfolio covers six product areas — Investimento, Previdenza, Risparmio, Protetti & Sereni (protection), Welfare Aziendale (corporate welfare), and Tutela (business protection) — delivered through a nationwide network of trained Promotori Assicurativi following an IDD-compliant needs-analysis methodology.

Product overview

Sheltia is an independent insurance broker (Broker assicurativo indipendente) that operates through a network of trained Insurance Promoters (Promotori Assicurativi) distributed across Italy. The company offers a portfolio of insurance and financial products organized into two main areas: Personal Life solutions (Investimento, Previdenza, Risparmio, Protetti & Sereni) and Business Life solutions (Welfare Aziendale, Tutela). Sheltia acts as an intermediary, selecting and recommending products from various insurance companies based on client needs analysis (Analisi dei Bisogni), with a methodology compliant with IDD (Insurance Distribution Directive). The company provides internal tools including tablet and app for their promoters, but does not offer public-facing technology products.

Differentiator

Problem solved

Functional benefit

Products and services

• Investimento (Investment) Insurance-based investment products distributed by Sheltia, allowing individual clients to diversify exposure and build customized investments aligned with their risk tolerance and financial goals.
• Previdenza (Pension / Complementary Retirement) Complementary pension products, including pension funds, designed to help clients bridge their retirement gap and benefit from Italian tax advantages.
• Risparmio (Savings, including Easy Risparmio) Savings insurance products, including the Easy Risparmio plan, designed to help clients achieve personal and family financial goals such as starting a business or funding education.
• Protetti & Sereni (Personal Protection)

Quantifiable outcome

• 30% growth in contracts in 2020 vs 2019
• +2 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• Europ AssistancecoreStrategic or Co-development Partner · 13 April 2023Insurance partner participating in Sheltia's Convention Manager event focused on health and wellness solutions. Europ Assistance provides specialized assistance and insurance products integrated into Sheltia's product portfolio.
• Blue AssistancecoreStrategic or Co-development Partner · 13 April 2023Insurance partner specializing in health assistance solutions, participating in Sheltia's Convention Manager event. Blue Assistance provides health-related insurance products and assistance services.
• Mutua Diritto e SalutecoreStrategic or Co-development Partner · 13 April 2023Mutual health insurance partner participating in Sheltia's Convention Manager event, providing supplementary health coverage solutions integrated into Sheltia's welfare offerings.
• Cassa BisaluscoreStrategic or Co-development Partner · 13 April 2023Health fund partner participating in Sheltia's Convention Manager event, providing occupational health and welfare fund solutions for corporate clients.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Zurich Italia: Italian arm of Zurich Insurance distributing life, health, savings and welfare solutions through tied agents and brokers; one of Sheltia's carrier counterparts and a competitor for SME welfare and personal-protection clients.
• Poste Italiane (Poste Vita): State-affiliated distribution giant with a capillary post-office channel for life, protection and welfare products; competes with Sheltia at the mass-retail/lower-ticket end of protection and savings intermediation in Italy.
• FinecoBank: Italy-listed direct bank and one-stop broker offering banking, credit, asset management and life-insurance products to retail/affluent clients; competes with Sheltia on the personal investment/protection side but at vastly larger scale and with proprietary tech.
• Banca Mediolanum: Italy's largest independent financial-advisory network (Family Banker model) offering banking, investment, and life-insurance products through a fee-based promoter/consultant network — a structurally analogous model to Sheltia's Promotori Assicurativi distribution at much larger scale.
• AXA Italia: Italian subsidiary of AXA offering life, health and welfare products through agents/brokers; competes with Sheltia in the personal-protection and corporate-welfare segments and participates in the same carrier pool that Sheltia's promoters work with.
• Generali Italia: Leading Italian insurer distributing life, health, welfare and pension products through tied agents and bankassurance partnerships; competes directly for Sheltia's SME welfare and personal protection customers and dwarfs Sheltia in scale.
• Aviva Italia: UK-headquartered life and protection carrier operating in Italy through financial-advisor partnerships; competes in the same life-investment and protection categories Sheltia intermediates, but as an underwriting carrier rather than independent broker.
• Allianz S.p.A. (Italy): Italian subsidiary of Allianz, distributing life, health and asset-management products through tied agents and independent partners; major competitor for Sheltia's protection, investment and welfare suite, though as a carrier-affiliated network rather than a pure independent broker.
• UnipolSai Assicurazioni: Major Italian composite insurer with a large captive-agent network; overlaps with Sheltia on personal protection, motor/property, and SME welfare but is materially larger and carrier-tied.

Direct peers

• Sara Assicurazioni: Italian composite insurer affiliated with ACI/Confartigianato with strong SME and family positioning; closest direct competitor to Sheltia among Italian carriers because it targets the same SMEs and family segments through its own tied-agent network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SheltiaSrl
• LinkedInlinkedin.com/company/sheltia-broker

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Sheltia