ASSICOOP MODENA AND FERRARA

What ASSICOOP MODENA AND FERRARA does

Assicoop Modena & Ferrara S.p.A. is a private joint-stock insurance agency headquartered in Modena, Italy, operating since 1969 (under the original name CASA, with the Ferrara entity merged in 2011). It holds the general agency mandate from Unipol Assicurazioni and UniSalute across the provinces of Modena and Ferrara, distributing auto, home, health, accident, life, long-term care, and supplementary pension (PIP) products through a network of physical agencies supplemented by phone, video, WhatsApp, mobile app, and web channels. The portfolio has been extended in 2025 with the launch of UNICA — a modular policy combining home, health, mobility, and personal protection coverages into a single contract — and Scudo Cyber, a cyber-insurance product for SMEs and professionals. Complementary Unipol-ecosystem offerings distributed through Assicoop include UnipolMove (electronic toll collection), UnipolRental (long-term vehicle rental), and Unibox (fleet telematics), with Finitalia providing 0%-interest installment payment plans.

The business model is commission-based intermediation: Assicoop earns agency commissions on Unipol and UniSalute policies sold, plus ancillary revenue from rental, toll-device, and financing cross-sell. Pricing is quote-based and not publicly disclosed, but convention partners (employers and cooperatives) receive up to 20% discounts on selected products, and premiums are payable in up to 10 monthly installments. The customer base is long-tail — primarily individuals, families, and local SMEs — with no large enterprise anchors identified; named convention partners include Berco SpA, Polisportiva 4 Ville, Resident, Aliante cooperative, and ASPPI. Ownership is dominated by Unipol Group vehicles (Smallpart S.p.A. 46.86%, Unipol Finance S.p.A. 43.75%), with the balance held by cooperative and SME associations (CIA, CE.S.CON., COOPIM/Legacoop, CNA), placing the firm within the broader Unipol Gruppo S.p.A. conglomerate.

Operationally the company is a distribution and advisory layer over the Unipol stack rather than a technology builder: no proprietary technology, AI/ML capability, patents, or trademarks are disclosed, and digital touchpoints (mobile apps, online channels) are carrier-provided. The firm differentiates on a 50-year cooperative heritage, local brand trust, a distinctive cultural initiative (Assicoop Arte — a 700+ piece corporate art collection of 19th-20th century Modenese and Ferrarese works), and a field-sales force being actively expanded via the New Generation training program. Revenue, headcount, and detailed financial metrics are not publicly disclosed.

Name

ASSICOOP MODENA AND FERRARA

Legal name

Assicoop Modena & Ferrara S.p.A.

Website

https://assicoop.com

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

51–100 employees

Short description

Assicoop Modena & Ferrara is a private Italian insurance agency distributing Unipol and UniSalute products — auto, home, health, life, pension, cyber, and mobility services — to individuals, families, and SMEs across the Modena and Ferrara provinces through a multi-branch agency network.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Auto insurance
• Home insurance
• Health insurance
• Life insurance

Headquarters

HQ city

Modena

HQ country

Italy

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance intermediation commissions: Assicoop acts as a general agent (Agente Generale) for Unipol Assicurazioni and UniSalute, earning commissions on insurance products sold including auto, health, property, life, and pension products. Additional revenue from long-term rental services (UnipolRental) and toll collection device (UnipolMove).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Assicoop Modena & Ferrara is the exclusive general insurance agency (Agente Generale) for Unipol Assicurazioni and UniSalute across the Modena and Ferrara provinces in Emilia-Romagna, Italy. It distributes personal and business insurance products — including auto, motorcycle, home, health, accident, life, long-term care, supplementary pension, and commercial fleet coverage — alongside ancillary services such as long-term vehicle rental, electronic toll collection, and cyber insurance. Distribution occurs through a network of physical agencies, in-person and remote consultancy, mobile apps, and convention partnerships with employers and cooperatives.

Product overview

Assicoop Modena & Ferrara is an insurance agency representing Unipol Assicurazioni and UniSalute across the provinces of Modena and Ferrara. Its product portfolio is organized as a platform of core insurance lines supplemented by add-on modules and sub-brands. Core lines include auto & vehicle insurance (RC Auto), home insurance (Casa & Servizi), health insurance (Assicurazione Sanitaria), accident insurance (Infortuni), life insurance (Vita), long-term care (Unipol Autonomia), and supplementary pension plans (Previdenza Futura/PIP). These are complemented by the modular policy brand UNICA, which unifies multiple coverage types (home, health, mobility, personal) into a single contract. Add-on modules include the long-term vehicle rental service (Noleggio a Lungo Termine via UnipolRental), the UnipolMove telepedaggio device and app, the Scudo Cyber insurance product for digital risk, and the Unibox fleet technology device. The company also operates the Assicoop Arte cultural initiative — an art collection of over 700 works — which functions as a territorial engagement brand rather than a revenue product. Insurance products are distributed exclusively through the company's own agency network.

Differentiator

Problem solved

Functional benefit

Brands

• Assicoop Arte: A cultural initiative dedicated to preserving and promoting the artistic heritage of Modena and Ferrara through a collection of over 700 works by local artists from the 19th and 20th centuries.
• New Generation

Products and services

• Assicurazione Auto & Moto Vehicle insurance covering automobiles, campers, boats, motorcycles, and scooters, with customizable coverage options for individuals and businesses in the Modena and Ferrara provinces.
• Assicurazione Infortuni Accident insurance providing personalized protection for work, home, and leisure activities, including cover while driving, for individuals in Modena and Ferrara.
• Assicurazione Sanitaria Health insurance covering hospitalization, medical expense reimbursement, and disability resulting from illness, distributed through Assicoop as UniSalute agent in Modena and Ferrara.
• Unipol Autonomia (Long Term Care) Long-term care (LTC) insurance providing financial support in case of loss of self-sufficiency, offering protection for individuals and their families.
• Previdenza Futura (PIP) Individual Pension Plan (Piano Individuale Pensionistico) offered through UnipolSai, designed for personalized retirement savings with flexible contribution schedules and tax advantages.
• Assicurazione Vita Life insurance providing economic support to beneficiaries in case of permanent disability or premature death, ensuring financial security for families.
• Flotte Aziendali (Business Fleet Insurance) Business fleet insurance and management solution for corporate vehicle fleets, covering automobiles, trucks, and motorcycles, with optional Unibox GPS and camera technology add-ons.
• Casa & Servizi (Home Insurance) Modular home insurance covering water damage, fire, theft, urgent repairs, and legal protection for condominiums, with assistance tailored for seniors.
• UNICA (Polizza Modulare) Modular, flexible, and customizable insurance policy combining home, health, mobility, and personal protection in a single contract with modules that can be adapted over time.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Five partnerships are on record, tiered flagship, core and minor.

• Direzione Regionale Musei Emilia-RomagnaflagshipStrategic or Co-development Partner · 20 October 2021Three-year collaboration (2021-2024) for public enjoyment of the Assicoop Art Collection at Museo Archeologico Nazionale and Museo di Casa Romei in Ferrara. Part of 'Sintonie' project for cultural heritage valorization.
• Legacoop EstenseflagshipStrategic or Co-development Partner · 20 October 2021Joint cultural initiatives including the Sintonie art collaboration project and WOW (Wall of Wonder) street art project celebrating Coopsday. Legacoop Estense president Andrea Benini also serves as Assicoop Vice President.
• Unipol AssicurazionicoreChannel Partner/ Reseller/ Distributor · 1 January 1969Assicoop serves as Agente Generale (General Agent) for Unipol Assicurazioni in Modena and Ferrara provinces. This is the primary business relationship, operating under Unipol mandate since the company's founding in 1969.
• UniSalutecoreChannel Partner/ Reseller/ DistributorAssicoop also serves as agent for UniSalute health insurance products, providing health coverage solutions to clients in the Modena and Ferrara territory.
• Conflavoro FerraraminorGTM or Marketing PartnerPartnership for joint events on corporate welfare and ESG topics, organizing informative sessions for member companies.

Scale indicators5 records

Recent moves12 records

Expansion highlights5 records

Broad incumbents

• Allianz Italia: Major Italian insurer with a broad personal and commercial portfolio sold through agents, brokers and bank channels; comparable multi-line offering with overlapping product breadth in auto, home, health and life.
• Zurich Insurance Italy: Established multi-line Italian insurer selling personal and commercial coverage through agents and brokers; directly comparable product portfolio with overlapping customers in Modena and Ferrara.
• UnipolSai Assicurazioni: Principal insurance carrier that Assicoop represents as general agent in Modena and Ferrara; majority owner via Smallpart/Unipol Finance. Directly comparable as the underwriter whose products Assicoop distributes, and whose agency network shapes Assicoop's economics.
• Vittoria Assicurazioni: Italian mid-size insurer operating multi-line personal and commercial products through a sub-agency network; overlaps with Assicoop on auto, home, health, and life distribution and SME conventions.
• Generali Italia: Largest Italian insurer with multi-line personal and commercial products distributed through agents and brokers; directly competes for the same households and SMEs Assicoop serves in Emilia-Romagna.

Direct peers

• Cattolica Assicurazioni (Generali Italia): Italian mutual-turned-insurer with deep roots in cooperative and SME distribution; now within Generali. Highly comparable to Assicoop on customer segment (individuals + SMEs + conventions), product breadth, and agency-led go-to-market.
• Groupama Assicurazioni (Italy): Italian subsidiary of Groupama operating a multi-line agency distribution model targeting individuals, professionals, and SMEs; structurally similar agency-led GTM to Assicoop's Unipol mandate.
• Reale Mutua Assicurazioni: Italian mutual insurance company with a comparable multi-line personal and commercial portfolio (auto, home, health, life) distributed through a regional agency network; closely mirrors Assicoop's cooperative-rooted distribution model across Italian provinces.

Emerging players

• Prima Assicurazioni: Italy-born digital-first insurer selling auto and home insurance directly online; represents the insurtech disintermediation threat to Assicoop's traditional agency model in its core regional markets.
• Yolo (Yolo Tech): Italian insurtech platform enabling embedded and on-demand insurance products via digital channels; intersects with Assicoop's emerging interest in cyber, mobility, and modular products like UNICA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AssicoopModenaFerrara
• LinkedInlinkedin.com/company/assicoop-modena-e-ferrara
• Instagraminstagram.com/assicoop_modenaferrara_unipol

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 ASSICOOP MODENA AND FERRARA