Heca

Name

Heca

Legal name

Heca S.r.l.

Website

https://hecamga.it

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance MGA (Managing General Agent) Distribution

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Dedicated Multi-Manager Platforms (e.g., ILS / Cat Bond FoF) (FSAHAKAK)

akta.pro secondary industries

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH), Large Commercial Package (National Accounts) (FSAJAFAC)

Keywords

• Professional liability insurance
• Insurance MGA platform
• Credit life insurance
• Surety bond insurance
• Digital insurance broker

Headquarters

HQ city

Chieti

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance MGA Commissions: Heca operates as a Managing General Agent (MGA), earning commissions on premiums written through its network of insurance partners (Lloyd's, CNP Assurances, Accredited Insurance, Liberty Mutual, QBE, Tutela Legale, Tua Assicurazioni). Products include RC Professionale, RC Medica, D&O, Fideiussioni, CAR, Tutela Legale, Polizze Vita, and Cessione del Quinto.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Heca is a multi-firm Italian insurance agency (MGA) that distributes professional liability, medical liability, D&O, legal protection, surety bonds, C.A.R., life, Cessione del Quinto (CQS) credit, fire, and event liability policies through a 100% digital platform with CRM, auto-issuance, digital signature, credit analysis, and blockchain-based policy verification. Operating as a Lloyd's Coverholder since 2019, Heca aggregates capacity from six international carriers under one MGA relationship for distribution to licensed agents, brokers, affinity associations, and banking institutions in Italy.

Product overview

Heca is an Italian insurtech MGA (Managing General Agent) operating since 2010 as a Lloyd's Coverholder, offering a B2B digital platform for insurance agents, brokers, associations, and banking institutions. The core offering is the HecaMga all-in-one digital platform providing 100% digital policy management with CRM capabilities, digital signature, and credit analysis. The product portfolio centers on professional liability insurance (RC Professionale, RC Medici, D&O), credit insurance (CQS - salary assignment), surety bonds (Fideiussorie, C.A.R.), legal protection, life insurance, fire and explosion coverage, event liability, and security company insurance. The company distributes through partnerships with major insurers (Lloyd's, CNP Assurances, Accredited Insurance, Liberty Mutual, QBE, Tutela Legale) and offers the WeBind sub-brand for professional liability coverage. Key digital services include blockchain-based policy verification, whistleblowing procedures, and claims management.

Differentiator

Problem solved

Functional benefit

Brands

• WeBind: Insurance brand created by Heca for Brokers and Insurance Intermediaries operating in Professional RC insurance policies. The brand aims to protect all types of professionals, including those in unregulated categories who struggle to find coverage.

Products and services

• HecaMga — Piattaforma Digitale Assicurativa 100% digital, all-in-one CRM platform for insurance agents, brokers, associations, and banking institutions that enables autonomous and secure management of insurance products, interactions, and profits, with integrated digital signature and credit analysis.
• Polizze CQS (Cessione del Quinto) Credit life and credit insurance policies for personal loans and salary-backed financing (Cessione del Quinto), offered for public and private sector employees in collaboration with CNP Assurances and Accredited Insurance.
• Polizza RC Professionale Professional liability insurance protecting professionals from third-party compensation claims arising from the performance of their professional activities.
• Polizza RC Medico Medical professional liability insurance providing comprehensive coverage for freelance or employed medical professionals, including gross negligence, surgical interventions, and invasive procedures.
• Polizza Tutela Legale Legal protection insurance complementing mandatory professional liability coverage, providing assistance and reimbursement for legal, expert, investigative, and court costs for professionals seeking complete coverage.
• Polizza D&O (Directors & Officers) Directors and officers liability insurance covering administrators, executives, and members of control and management bodies of companies, including supervisory board members.
• Polizze Fideiussorie Surety bonds and guarantee insurance where Heca acts as guarantor towards the beneficiary without eroding the applicant's creditworthiness, covering approximately 90% of the reference market including provisional, definitive, advance payment, and balance rate bonds.
• Polizza C.A.R. (Contractor's All Risks) Contractor's All Risks insurance protecting the entire construction site with coverage for contractors, builders, and clients in both public and private contracts, covering damage to works and installations including existing ones during execution.
• Polizza RC Istituti di Vigilanza Civil liability insurance for security companies covering third-party liability, employee liability, and contractual civil liability, designed for security institutes that often struggle to find adequate coverage.
• Polizze Donazione Insurance protecting against risks arising from the purchase of donated goods, ensuring their marketability and safety for the buyer.
• Polizza RC Eventi Event liability insurance for private individuals and organizations organizing parties, concerts, festivals, and large events.
• Polizze Vita Life insurance products for loans, mortgages, or standalone coverage, including personal accident insurance and term life insurance (TCM), protecting policyholders and families against unforeseen events affecting life or personal autonomy.
• Polizza Incendio e Scoppio Fire and explosion insurance protecting both borrowers and banks against damage from fires, explosions, or gas leaks, including coverage for third-party damage resulting from accidental events.
• Bolletta Protetta Insurance solution for electricity and gas supply subscribers protecting against energy bill increases due to unforeseen events (death, disability, hospitalization, job loss); distributed through Heca's platform in partnership with CNP Assurances and E-Like.
• Blockchain Assicurativa (Verifica Polizze) Standalone blockchain-based insurance verification service ensuring transparency, immutability, and traceability of issued insurance policies, with timestamp certification for legal validity.
• CRM Assicurativo (Broker Platform) All-in-one CRM platform for brokers and banking institutions with 100% digital and intuitive management of products, interactions, and profits, integrating digital signature and credit analysis technologies.

Quantifiable outcome

• Digital policy issuance reduces processing time significantly
• +1 more outcomes

Named customers4 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

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core, secondary and minor.

• CNP AssurancescoreStrategic or Co-development PartnerCNP Assurances partners with Heca for life insurance products, credit protection (Cessione del Quinto), and energy bill protection (Bolletta Protetta with E-Like). Headquartered in France since 1850, CNP Assurances is the largest life insurer in France with S&P rating A+. Heca serves as Third Party Administrator (TPA) for CNP products in Italy.
• Accredited Insurance (Europe) LimitedcoreStrategic or Co-development PartnerAccredited Insurance (Europe) Limited provides credit insurance products for the Cessione del Quinto market in partnership with Heca. Based in Malta with Italian branch in Milan since 2021, acquired by Onex Partners in 2024. AM Best rating A-. Co-creator of WeBind brand with Heca.
• Lloyd's Insurance Company SacoreStrategic or Co-development PartnerHeca has been a Coverholder at Lloyd's since 2019, providing access to Lloyd's market capacity and products. Lloyd's operates in Italy since 1986, with over 100 Coverholders and 3 Service Companies. Lloyd's recorded €55.5B gross written premiums in 2024.
• Liberty Mutual Insurance Europe SesecondaryStrategic or Co-development PartnerLiberty Specialty Markets (part of Liberty Mutual Group, Boston) operates from Milan since 2012, offering Financial Lines and D&O products through Heca's platform. Rated A (Strong) by S&P and A (Excellent) by A.M. Best. Present in 20 countries with over 60 offices.
• QBE Europe Sa NvsecondaryStrategic or Co-development PartnerQBE Insurance Group, headquartered in Sydney since 1886, operates in over 25 countries. Present in Italy since the 1990s via Milan office. Offers Property, Liability, D&O, Professional Indemnity, and Cyber products. Rated AA- by S&P, A+ by Fitch, A by A.M. Best.
• Tutela Legale S.p.a.secondaryStrategic or Co-development PartnerTutela Legale S.p.A., founded in Milan in 2008, specializes in legal protection insurance for individuals, professionals, and businesses. Offers coverage for legal expenses in case of disputes.
• E-LikeminorStrategic or Co-development PartnerE-Like, an energy company active since 2021, partnered with CNP Assurances and Heca to launch 'Bolletta Protetta', an insurance product protecting customers from energy bill increases due to unforeseen events (death, disability, hospitalization, job loss).
• Figenpa SpaminorChannel Partner/ Reseller/ DistributorFigenpa Spa, founded in Genoa in 1993, operates 35 branches across Italy serving private and public sector employees with Cessione del Quinto products. Acquired by IBL. Heca provides insurance products through this distribution partnership.
• We Finance SpAminorChannel Partner/ Reseller/ DistributorWe Finance SpA, operating since 2015, distributes Cessione del Quinto and Delegazione di Pagamento through Heca's platform and insurance partners CNP Assurances and Accredited Insurance.
• Pitagora S.p.A.minorChannel Partner/ Reseller/ DistributorPitagora S.p.A., a financial services company, partnered with CNP Assurances and Accredited Insurance via Heca's MGA platform for Cessione del Quinto insurance products.
• Bicher Insurance Broker SrlminorStrategic or Co-development PartnerBicher Insurance Broker Srl acts as strategic partner facilitating commercial agreements with banks and financial institutions in the Cessione del Quinto segment. Christian Pirulli, CEO, led negotiations for multiple partnerships.
• Sindacato Nazionale Agenti (SNA)minorGTM or Marketing PartnerSNA is the national union of insurance agents in Italy. Heca serves as sponsor, participating in 58° and 59° National Congresses, demonstrating commitment to supporting agents and intermediaries in the Italian market.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Optio Group: UK-based MGA platform and Heca's parent/acquirer (full ownership January 2026), with over €400M GWP operating across UK, USA, Europe, and Middle East. Directly comparable multi-carrier MGA platform structure; Heca is now Optio's Italian hub for European expansion.
• CFC Underwriting: London-based specialist MGA and Lloyd's Coverholder distributing via brokers across multiple specialty lines (cyber, professional indemnity, financial lines). Directly comparable multi-carrier MGA model with similar Lloyd's access and broker-distribution GTM.

Emerging players

• Yolo Group: Italian insurtech offering embedded insurance distribution via APIs and digital platforms, targeting banks, fintechs, and brokers. Comparable as an emerging Italian insurtech focused on digital distribution to intermediaries and affinity channels, intersecting Heca's white-label and bancassurance segments.
• Bene Assicurazioni: Italian digital insurer offering motor and home insurance products with a strong broker-distribution model. Comparable as an emerging Italian insurtech that competes for the same agent/broker channel with digital tools, overlapping Heca's distribution focus.
• Net Insurance: Italian specialty insurer listed on Borsa Italiana, focused on non-motor P&C lines including professional liability, credit protection, and specialty covers. Comparable as an Italian specialty insurance player with overlapping product lines (PI, credit protection) and similar B2B2C distribution through brokers.
• Accelerant: MGA platform providing data analytics, risk capital, and operational support to specialty MGAs. Comparable as an emerging MGA platform player in Europe/UK with a focus on empowering underwriters with shared infrastructure, structurally adjacent to Heca's MGA model.
• Prima Assicurazioni: Italy's largest digital insurer (motor/home insurance focus) with proprietary technology and direct-to-consumer plus broker distribution. Comparable as an Italian insurtech scaling digital insurance products, with overlapping interest in modernizing Italian insurance intermediation.

Broad incumbents

• Willis Towers Watson Italy: Italian operations of WTW, a global advisory and brokerage firm. Comparable as a broad incumbent providing insurance brokerage and risk advisory services across commercial and specialty lines in Italy, with overlapping presence in professional liability and financial lines.
• Aon Italia: Italian arm of global insurance brokerage and advisory firm Aon. Operates as a broad incumbent offering risk, reinsurance, and human capital solutions to mid-market and enterprise clients across Italy, partially overlapping Heca's broker-distributed professional liability and credit insurance offerings.
• Marsh Italia: Italian subsidiary of Marsh McLennan, one of the world's largest insurance brokers and risk advisors. Comparable as a broad incumbent serving Italian enterprises with insurance placement across P&C, financial lines, and credit-related products that overlap with Heca's portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/heca-srl

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Heca