Cavarretta Assicurazioni S.r.l.

What Cavarretta Assicurazioni S.r.l. does

Cavarretta Assicurazioni S.r.l. is a privately held Italian insurance agency (Agente Generale) headquartered in Parma, Emilia-Romagna, founded in 1994 by Gaetano Cavarretta and led operationally since 2014 by his son Luigi Cavarretta. The firm operates as a multi-carrier broker holding agency mandates from Generali Italia S.p.A., Europ Assistance Italia S.p.A., and UCA Assicurazione Spese Legali e Peritalia S.p.A., and earns revenue through commissions on personal, business, and specialty insurance lines it sells and services. Its product portfolio spans personal lines (auto, home, accident, wellness, savings, investments, legal protection, travel), commercial coverage, and a set of differentiated niche offerings including sports risk insurance for professional and amateur clubs, the proprietary Polizza Unica del Volontariato for nonprofit and volunteer organizations, religious-entity coverage under an exclusive convention with the Diocesi di Parma, and condominium property protection.

The agency serves a heterogeneous customer base across Italy: individuals and families seeking personal coverage, businesses of all sizes, prominent Serie A/B sports clubs (Parma Calcio 1913, Venezia F.C., Pisa Sporting Club, Pallacanestro Trieste, Pistoia Basket), the Diocesi di Parma, and a national footprint of voluntary organizations and associations. Distribution is field-based rather than digital-first: five physical offices anchor the Parma province (Parma, Collecchio, Langhirano, Colorno, Trecasali), supplemented by regional Third Sector consultants covering Tuscany, Liguria, Romagna, Milan, Modena/Reggio Emilia, Rome, Vercelli, Asti, and Alessandria, plus phone, email, and website-based appointment booking. The firm is regulated under IVASS (RUI registration A000479790, effective 30/01/2014) and employs 22 staff per firmographic records, with broader professional and sub-agent networks reportedly exceeding 50 individuals. No technology platform, AI capability, or external funding is disclosed.

Name

Cavarretta Assicurazioni S.r.l.

Legal name

Cavarretta Assicurazioni S.r.l.

Website

https://agenziacavarretta.it

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Cavarretta Assicurazioni is a family-owned Italian insurance agency (Generali Italia general agent) founded in 1994 and based in Parma, serving individuals, businesses, professional sports clubs, volunteer organizations, religious entities, and condominiums across Italy through multi-location field sales and proprietary niche products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industry

Commercial Property Insurance (FSAJACAE)

Keywords

• Insurance brokerage services
• Personal lines insurance
• Sports risk insurance
• Volunteer association insurance
• Commercial insurance coverage

Headquarters

HQ city

Parma

HQ country

Italy

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Commission (Mandati di Agenzia): Cavarretta Assicurazioni operates as a general insurance agent (Agente Generale) for major insurance companies. Revenue is generated through commissions on insurance policies sold and renewed. The agency holds mandates from Generali Italia S.p.A., Europ Assistance Italia S.p.A., and UCA Assicurazione Spese Legali e Peritalia S.p.A.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Cavarretta Assicurazioni S.r.l. operates as a general insurance agency (Agente Generale) for Generali Italia, Europ Assistance Italia, and UCA Assicurazione Spese Legali e Peritalia, placing personal lines (auto, home, accident, health/wellness, savings, investments, legal protection, travel) and commercial lines (business, condominium) for clients across Italy. Its distinctive offering is the Polizza Unica del Volontariato, a proprietary insurance product invented by founder Gaetano Cavarretta and tailored for volunteer associations, alongside specialized sports risk coverage, religious entity coverage under an exclusive convention with the Diocesi di Parma, and tailored third-sector consulting.

Product overview

Cavarretta Assicurazioni S.r.l. is an insurance agency founded in 1994 by Gaetano Cavarretta, now led by Agent Generale Luigi Cavarretta. The company operates a multi-product portfolio organized across personal lines, business/commercial insurance, and specialized niche segments. Personal coverage includes Auto, Casa (home), Infortuni (accident), Benessere (health/wellness), Risparmio (savings), Investimenti (investments), Tutela Legale (legal protection), and Viaggi (travel). Business coverage provides tailored insurance solutions for enterprises. Specialized products include Rischi Sportivi (sports risk insurance for athletes and clubs), Polizza Unica del Volontariato (unique voluntary insurance product for associations and volunteers), Enti Religiosi (religious institution coverage), and Condomini (condominium insurance). The agency represents Generali Italia S.p.A. and Europ Assistance Italia S.p.A. as primary mandanti, with over 50 sector professionals serving clients in Parma and throughout Italy.

Differentiator

Problem solved

Functional benefit

Products and services

• Polizze Auto (Auto Insurance) Vehicle insurance coverage for individuals and families, including personal auto policies placed under the agency's mandate with Generali Italia.
• Polizze Casa (Home Insurance) Home insurance coverage protecting residences against fire, water damage, theft, and electrical phenomena, offered to individuals and families through the agency's Generali Italia mandate.
• Polizze Infortuni (Personal Accident Insurance) Personal accident insurance coverage for individuals and families.
• Polizze Benessere (Health and Wellness Insurance) Health and wellness insurance coverage for individuals and families.
• Polizze Risparmio (Savings Insurance) Savings-focused insurance products for individuals and families.
• Polizze Investimenti (Investment Insurance) Investment-focused insurance products for individuals and families managing life insurance and unit-linked or capital-oriented policies.
• Tutela Legale (Legal Protection Insurance) Legal protection insurance coverage placed under the agency's mandate with UCA Assicurazione Spese Legali e Peritalia S.p.A.
• Polizze Viaggi (Travel Insurance) Travel insurance coverage, including assistance services placed under the agency's mandate with Europ Assistance Italia S.p.A.
• Coperture Aziendali (Business Insurance) Tailored business insurance solutions protecting enterprises and ensuring operational continuity, designed for companies of all sizes.
• Rischi Sportivi (Sports Risk Insurance) Sports risk insurance coverage for athletes and sports organizations of all categories and disciplines, including football, basketball, rugby, water polo, and handball teams, with named customers including Parma Calcio 1913, Venezia F.C., Pisa Sporting Club, Pallacanestro Trieste, and Pistoia Basket.
• Polizza Unica del Volontariato (Volunteer Insurance) Proprietary insurance product designed specifically for volunteers and associations, described as the first policy created for volunteering and associations in Italy, providing tailored coverage for the Third Sector.
• Coperture Enti Religiosi (Religious Institution Insurance) Comprehensive coverage for religious institutions under an exclusive convention with the Diocesi di Parma, making Cavarretta Assicurazioni the only agency in Italy to insure an entire city Curia, including clergy and the faithful.
• Coperture Condomini (Condominium Insurance) Condominium insurance solutions covering fire, water damage, theft, electrical phenomena, civil liability, legal protection, and catastrophic events for building managers and condominium owners in Parma and beyond.

Quantifiable outcome

• Trusted by prestigious Serie A and Serie B sports clubs including Parma Calcio 1913, Venezia F.C., Pisa Sporting Club, Pallacanestro Trieste, and Pistoia Basket.
• +2 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 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 and flagship.

• Generali Italia S.p.A.coreChannel Partner/ Reseller/ DistributorPrimary mandante (principal insurance company) for which Cavarretta Assicurazioni acts as Agente Generale. The agency sells and services Generali Italia insurance products as the general agent.
• Europ Assistance Italia S.p.A.coreChannel Partner/ Reseller/ DistributorMandante (principal insurance company) for which Cavarretta Assicurazioni acts as agent. Europ Assistance is a major assistance and insurance services company.
• UCA Assicurazione Spese Legali e Peritalia S.p.A.coreChannel Partner/ Reseller/ DistributorMandante specializing in legal expenses and loss adjusting insurance, for which Cavarretta Assicurazioni acts as agent.
• Diocesi di ParmaflagshipStrategic or Co-development PartnerExclusive convention making Cavarretta Assicurazioni the only agency in Italy to insure an entire city Curia. The agency guarantees tranquility and security for the entire Diocesi di Parma, focusing on protection of clergy and faithful.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Allianz Italia: Allianz Italia operates a broad agency and broker distribution network across Italy. Comparable to Cavarretta as an established multi-line insurance distributor offering personal, commercial, and specialty coverage through Italian agencies.
• Generali Italia: Generali Italia is Cavarretta's principal mandante and Italy's largest insurance carrier. It is comparable as the dominant Italian insurance brand whose products Cavarretta distributes, representing both a partner and a competitive incumbent in distribution.
• AXA Italia: AXA Italia is a major multi-line insurer with an Italian agency network. Comparable to Cavarretta as a general insurance distribution competitor offering personal, commercial, and specialty products through agent relationships.
• UnipolSai Assicurazioni: UnipolSai is one of Italy's largest multi-line insurance carriers with a vast agency network. Comparable to Cavarretta as a multi-line Italian insurance distributor competing for the same personal and commercial insurance customers.

Direct peers

• Vittoria Assicurazioni: Vittoria Assicurazioni is an Italian insurance carrier with a dedicated agency network across personal, commercial, and specialty lines. Directly comparable to Cavarretta as an Italian agency-based insurance distributor with multi-line offerings.
• Itas Mutua: Itas Mutua is an Italian mutual insurer distributed through regional agents, particularly strong in northern Italy. Directly comparable to Cavarretta as a regional Italian insurance agency serving personal, commercial, and specialty segments.
• Sara Assicurazioni: Sara Assicurazioni is the Italian insurance carrier historically tied to ACI/automobile clubs and distributed through agencies. Directly comparable to Cavarretta as an Italian agency-network insurer competing for personal-line and commercial customers.
• Brokeritaly Consulting: Brokeritaly is an Italian insurance brokerage with multi-line offerings similar to Cavarretta. Directly comparable as a competing Italian insurance broker/agency pursuing personal, commercial, and specialty insurance customers nationwide.
• Reale Mutua: Reale Mutua is a mutual insurance carrier operating through Italian agencies in a comparable agent-led model. Directly comparable to Cavarretta as a regional Italian insurance agency competitor serving personal and commercial lines.

Others

• Europ Assistance Italia: Europ Assistance Italia is one of Cavarretta's mandanti and a major Italian assistance/insurance provider. Comparable as a carrier partner whose travel and assistance products Cavarretta distributes, and as an adjacent industry participant in Italian specialty insurance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/cavarretta.assicurazioni
• LinkedInlinkedin.com/company/cavarretta-assicurazioni-s-r-l
• Instagraminstagram.com/cavarrettaassicurazioni

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Cavarretta Assicurazioni S.r.l.