Assicura Agenzia

What Assicura Agenzia does

Assicura Agenzia s.r.l. is an Italian insurance intermediary headquartered in Udine and 100% controlled by Cassa Centrale Banca – Credito Cooperativo Italiano S.p.A., the central institution of the Italian cooperative banking group. The company distributes a proprietary catalog of 21 insurance and investment products under the "SÌCURO" brand across six categories — Previdenza (supplementary pensions), Patrimonio (home, credit-protection, legal, and life/future protection), Business (multi-risk commercial policies including a newly mandated catastrophic-risk cover), Persona (life, accident, health and long-term care), Mobilità (auto), and Investimento (whole-life and unit-linked savings policies). Distribution is executed through approximately 89 cooperative and regional banking partners (istituti bancari) across all 16 Italian regions, supported by a network of over 3,000 insurance intermediaries (addetti all'attività di intermediazione assicurativa). The wholly-owned subsidiary Assicura Broker s.r.l. provides specialized risk-consulting and claims-management services to enterprises and financial institutions, including placement access to the Italian and Lloyd's of London markets.\n\nThe technology platform includes the MyAssicura customer portal for policy management, an Advanced Electronic Signature (Firma Elettronica Avanzata / FEA) system using OTP for compliant digital contract execution under eIDAS and Italian DPCM rules, an Edenred-integrated welfare platform for corporate employee benefits, and the Bancassicura Check Up structured needs-analysis service. Products are underwritten by partner insurers including Gruppo Assimoco, ITAS Vita, Groupama Assicurazioni, Roland and Cooperazione Salute SMS ETS, while premium financing is offered via Prestipay. The company employs 51-100 staff across seven territorial offices (Udine, Trento, Padova, Roma, Bologna, Brescia, Cuneo), holds IVASS Section A and Section B registrations, and is guided by mutualistic principles inherited from its Confartigianato and Confcooperative association roots. Revenue is generated primarily through insurance intermediation commissions on distributed policies plus professional services fees from the Assicura Broker enterprise and financial-institution practice.

Name

Assicura Agenzia

Legal name

Assicura Agenzia s.r.l.

Website

https://assicura.si

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

51–100 employees

Short description

Assicura Agenzia is an Italian insurance intermediary that distributes a proprietary SÌCURO catalog of insurance, pension, and investment products through approximately 89 cooperative and regional banking partners nationwide, serving individuals, SMEs, and financial institutions under 100% ownership by Cassa Centrale Banca.

Ownership category

akta.pro rank

Product category

Insurance Intermediation and Distribution

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance intermediation
• Bancassurance distribution
• Life insurance products
• Commercial multi-risk insurance
• Insurance broker services

Headquarters

HQ city

Udine

HQ country

Italy

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation Commissions: Revenue generated through commissions from insurance companies for distributing their products through the banking channel and intermediary network. Commission rates vary by insurance company and product category, with R.C.A. commissions at 10.32% across all vehicle categories.
2. Broker Services: Specialized risk consulting and insurance placement services for enterprises and financial institutions, including portfolio evaluation, policy analysis, and claims management.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Assicura Agenzia is an insurance intermediary that distributes a comprehensive catalog of proprietary and co-developed insurance and investment products (under the SÌCURO umbrella brand) exclusively through approximately 89 banking partner institutions across Italy. Its subsidiary Assicura Broker provides specialized risk consulting, portfolio evaluation, and insurance placement services to enterprises and financial institutions, with access to both Italian insurance markets and Lloyd's of London. The product portfolio spans pension funds, life insurance, home, credit protection, legal protection, personal accident, health, long-term care, auto, business multi-risk, and investment/savings policies.

Product overview

Assicura Agenzia operates as an insurance intermediary offering a comprehensive portfolio of 21 named insurance and investment products distributed exclusively through approximately 90 banking institutions. The product range spans six categories: Previdenza (pension products including PLURIFONDS Per un Domani Sicuro), Patrimonio (4 home, credit, legal, and future protection products: ASSÌHOME, ASSÌCREDIT, ASSÌLEGAL, ASSÌFUTURE), Business (7 multi-risk commercial policies under the ASSÌRISK brand covering hotels, agriculture, artisans, merchants, buildings, studios/agencies, and legal protection, plus catastrophic risk coverage), Persona (4 personal insurance products: ASSÌPRO, ASSÌYOU, ASSÌCARE, ASSÌHELP), Mobilità (ASSÌDRIVE auto insurance), and Investimento (4 savings and investment life insurance products: SÌCRESCE Flessibile, SÌCRESCE Dinamico, SÌCRESCE Sereno, SÌCRESCE Patrimonio Cap). The company also provides complementary services including Bancassicura Check Up needs analysis, a welfare platform via Edenred, corporate health plans, and professional broker services for businesses and financial institutions. Products are underwritten by partner insurers including Gruppo Assimoco, ITAS Vita, Groupama Assicurazioni, and Roland.

Differentiator

Problem solved

Functional benefit

Brands

• Assìhome: Polizza multirischi per l'abitazione e la responsabilità civile della famiglia
• Assìcredit
• Assìlegal
• Assìfuture
• Assìpro
• Assìyou
• Assìcare
• Assìhelp
• AssìRisk Catastrofali
• AssìRisk Alberghi
• AssìRisk Agricoltura
• AssìRisk Artigiani PMI
• AssìRisk Commercianti
• AssìRisk Fabbricati
• AssìRisk Studi e Agenzie
• AssìRisk Tutela Legale
• Sìcresce Flessibile
• Sìcresce Dinamico
• Sìcresce Sereno
• Sìcresce Patrimonio Cap
• Domani Sicuro
• Plurifonds

Products and services

• PLURIFONDS - Per un Domani Sicuro

Quantifiable outcome

• Tax deduction on pension contributions up to €5,300/year for Plurifonds
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core, major and supporting.

• Banking Partner Network (89+ institutions)coreChannel Partner/ Reseller/ DistributorNetwork of approximately 89 cooperative and regional banks across Italy that distribute Assicura insurance products to their customers. Partners include BCC (Banca di Credito Cooperativo) institutions, regional banks, and other financial institutions across 16 Italian regions.
• Gruppo AssimococoreStrategic or Co-development PartnerPrimary insurance product partner creating home (Assìhome), credit protection (Assìcredit), business multi-risk, life insurance (Sìcresce), and personal accident (Assìyou, Assìpro) products exclusively distributed through Assicura Agenzia network.
• ITAS Vita S.p.A.coreStrategic or Co-development PartnerInsurance partner for pension fund (Plurifonds) and flexible investment product (Sìcresce Flessibile). Products created in collaboration with Pensplan Centrum for supplementary pension offerings.
• Groupama Assicurazioni S.p.A.majorStrategic or Co-development PartnerInsurance partner producing AssìFuture life insurance product providing income protection with death and disability coverage for individuals up to 74 years of age.
• Roland (Roland Rechtsschutz - Versicherungs - AG)majorStrategic or Co-development PartnerExclusive provider of legal protection insurance products (Assìlegal for individuals and AssìRisk Tutela Legale for businesses), covering private legal disputes, traffic-related issues, and professional legal matters.
• Cooperazione Salute SMS ETSmajorStrategic or Co-development PartnerNon-profit health insurance provider for AssìCare health plans offering reimbursement of medical expenses with Silver, Gold, and Platinum coverage options, plus indemnity plans for major surgeries, serious illnesses, and long-term care.
• EdenredsupportingTechnology or IntegrationWelfare platform provider enabling employee benefit management including shopping vouchers, health plans, pension contributions, education, travel, sports, culture, and family assistance services.
• Prestipay S.p.A.supportingTechnology or IntegrationPremium financing partner offering Fast Protection loans for financing insurance policy premiums, enabling customers to spread payment for insurance coverage.
• Lloyd's of London MarketsupportingStrategic or Co-development PartnerAccess to international insurance market through Lloyd's for specialized coverage requirements for financial institution clients, particularly for sophisticated risk transfer needs.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• BCC Vita: BCC Vita is the life insurance arm of the Italian cooperative banking (BCC) system, distributing life and savings products through the same cooperative bank network that Assicura serves via Cassa Centrale Banca. Direct competitor for bancassurance shelf space within the Italian credito cooperativo.
• Intesa Sanpaolo Vita: Intesa Sanpaolo Vita is the captive life insurer of Italy's largest banking group, distributing life and pension products through the Intesa Sanpaolo bank network. Closely comparable model: bank-owned intermediary distributing insurance through parent's branches.
• CNP Vita Assicura: CNP Vita Assicura is the Italian subsidiary of French bancassurance group CNP Assurances, distributing protection and savings products through Italian banking partners (including UniCredit and others). Highly comparable affinity-distribution model.
• Crédit Agricole Vita: Crédit Agricole Vita is the Italian life insurance entity of Crédit Agricole Group, distributing life insurance products through Cariparma/FriulAdria bank branches. Directly comparable model as a banking-channel insurance intermediary in Italy.
• Aviva Vita: Aviva Vita distributes life and pension products through Italian banking partners, occupying similar bancassurance shelf space to Assicura's offerings. Comparable multi-product, banking-distributed intermediary model.

Broad incumbents

• Generali Italia: Generali Italia is Italy's largest insurance group, operating its own agency network plus significant bancassurance distribution. A broad incumbent competitor with overlapping product lines (life, health, property, business) distributed through multiple channels.
• UnipolSai Assicurazioni: UnipolSai is a major Italian insurer with a large captive agency network and banking distribution partnerships. Compares as a broad incumbent offering overlapping personal, business, and health lines through multiple Italian channels.

Emerging players

• Assimoco: Assimoco is Assicura's primary insurance product partner, but also competes indirectly as an Italian cooperative insurer offering similar products. Comparable mutual/cooperative heritage and Italian market focus.
• Reale Mutua di Italia Assicurazioni: Reale Mutua is Italy's largest mutual insurer with a strong agency/broker distribution network, sharing Assicura's cooperative heritage. Comparable in personal, business, and life lines distributed via traditional Italian channels.

Regional players

• Banca Mediolanum: Banca Mediolanum operates as an integrated bank-insurer in Italy, distributing life and investment products directly through its own financial advisor network. Comparable bancassurance model with captive distribution, though via financial advisors rather than bank branches.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/assicura-agenzia-s.r.l.

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Assicura Agenzia