Assicoop Romagna Futura SpA - Unipol Assicurazioni

What Assicoop Romagna Futura SpA - Unipol Assicurazioni does

Assicoop Romagna Futura SpA is a regional insurance agency entity within the broader Assicoop network, operating as the commercial face of Unipol Assicurazioni and UniSalute in Emilia-Romagna and Tuscany. The company distributes a full suite of personal and SME insurance products — auto liability (RCA), home, accident, life, health, pet, travel, legal protection, and earthquake coverage — alongside integrated mobility services such as UnipolMove (electronic tolling) and UnipolRental (long-term vehicle rental). The underwriting for these products sits with Unipol Assicurazioni and UniSalute; Assicoop's role is distribution, advisory, and client management. The company is subject to direction and coordination by Unipol Assicurazioni S.p.A., sits within a federated network of regional agencies (Bologna Metropolitana, Emilia Nord, Romagna Futura, Toscana), and has no independent capital or balance-sheet underwriting exposure.

The business model is commission-based insurance intermediation across a network of more than 250 sales points in Emilia-Romagna and Tuscany, staffed by over 1,200 Account Assicurativi (insurance consultants). Multi-line product pricing is set by the underwriters, with examples ranging from €5/month for traffic accident coverage to €16/month for accident and health bundles. Go-to-market is enterprise field sales combined with retail agency walk-in and convention partnerships with trade unions and trade associations (CGIL, CISL, UIL, CIA, CNA, Confesercenti, Legacoop). In 2025 the network launched UNICA, a modular policy that consolidates home, auto, health, and pet coverage into a single contract, signaling a product consolidation play intended to deepen customer relationship density per account. The core technology stack is a multi-channel client management platform supporting in-person and digital advisory engagement; no proprietary AI/ML, data, or platform IP is disclosed.

Name

Assicoop Romagna Futura SpA - Unipol Assicurazioni

Legal name

Assicoop Romagna Futura SpA

Website

https://assicoop.it

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

51–100 employees

Short description

Assicoop Romagna Futura SpA is a regional insurance agency within the Unipol Group distribution network, distributing Unipol and UniSalute insurance products across Emilia-Romagna and Tuscany through 250+ agency locations and 1,200+ insurance professionals, serving individual consumers, families, and SMEs.

Ownership category

akta.pro rank

Headquarters

HQ city

Ravenna, Em.Rom.

HQ country

Italy

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums from policyholders across auto, home, health, life, and pet insurance lines underwritten by Unipol Assicurazioni and UniSalute. Policies generate recurring premium revenue with various coverage periods.
2. Noleggio a Lungo Termine (Long-term Rental): Vehicle long-term rental services through UnipolRental partnership, generating rental income and potentially associated insurance products.
3. UnipolMove Telepedaggio: Telepedaggio (electronic toll collection) service with monthly subscription fees (€1.50/month after promotional period), generating recurring revenue from mobility services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Assicoop Romagna Futura distributes insurance products underwritten by Unipol Assicurazioni and UniSalute through a network of physical agencies across Emilia-Romagna and Tuscany, offering personal and small-business coverage including auto liability (RCA), home, accident, health, life, pet, travel, legal protection and earthquake insurance. Core distribution includes the UNICA modular policy that consolidates home, auto, health and pet coverage into a single contract, alongside complementary mobility services such as UnipolMove electronic tolling and UnipolRental long-term vehicle rental.

Product overview

Assicoop operates as an insurance agency network for Unipol and UniSalute across Emilia-Romagna and Tuscany regions. The core product is UNICA, a revolutionary modular insurance policy combining home, auto, health, and pet coverage into a single contract. Supporting the UNICA platform are specialized add-on modules: UnipolMove (telepedaggio/electronic toll payment), UnipolRental (long-term vehicle rental), and UniSalute 360° (health insurance). Additional insurance products include RCA (auto liability), casa (home), infortuni (accident), vita (life), viaggi (travel), animali domestici (pet), tutela legale (legal protection), and earthquake coverage, all offered through the Unipol Group distribution network.

Differentiator

Problem solved

Functional benefit

Brands

• UniSalute: Health insurance brand offered through Assicoop agencies alongside Unipol products.
• UnipolMove
• UnipolRental
• UNICA

Products and services

• UNICA A modular insurance policy underwritten by Unipol Assicurazioni that consolidates multiple coverages including home, auto, health and pet insurance into a single contract, offering simplified management and customized protection for individuals and families.
• UnipolMove Electronic toll payment service (telepedaggio) for Italian highways with access to discounts, parking facilities in over 500 municipalities, and Milan Area C access. First year free, then €1.50/month with second device at zero cost.
• UnipolRental (Noleggio a Lungo Termine) Long-term vehicle rental service offering new cars with maintenance, tire changes, roadside assistance, insurance, and monthly installments for individuals and businesses.
• UniSalute 360° Customizable health insurance package underwritten by UniSalute that protects the policyholder and their family's health with flexible coverage options.
• RCA (Responsabilità Civile Auto) Motor vehicle third-party liability insurance coverage for automobiles, motorcycles, and fleets distributed under the Unipol brand.
• Assicurazione Casa Home insurance covering property damage, theft and liability for residential properties, starting from monthly subscription pricing.
• Infortuni Personal accident insurance providing protection against injuries in daily life and circulation, including family and vehicle-focused options.
• Assicurazione Vita Life insurance providing financial protection for families and dependents distributed through the Assicoop agency network.
• Assicurazione Animali Domestici (Amici a 4 Zampe) Pet insurance coverage for dogs and cats offered as part of the family protection package distributed through Assicoop agencies.
• Viaggi Travel insurance covering assistance, medical expenses and baggage during domestic and international trips.
• Tutela Legale Legal protection insurance providing access to a trusted lawyer and professional legal assistance, starting from €11.00 per month.
• Garanzia Terremoto Earthquake coverage insurance for material and direct damages to residential properties, including fire, explosion and implosion resulting from earthquakes, starting from €11.50 per month.
• Noleggio a Lungo Termine Flotte Aziendali Corporate fleet long-term rental and management solution for company cars, trucks and motorcycles including Unibox telematics and camera devices.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered minor and core.

• CGILminorChannel Partner/ Reseller/ DistributorTrade union organization with convention partnership providing preferential insurance conditions to members
• CISLminorChannel Partner/ Reseller/ DistributorTrade union organization with convention partnership providing preferential insurance conditions to members
• UILminorChannel Partner/ Reseller/ DistributorTrade union organization with convention partnership providing preferential insurance conditions to members
• CIAminorChannel Partner/ Reseller/ DistributorAgricultural trade association with convention partnership providing preferential insurance conditions to members
• CNAminorChannel Partner/ Reseller/ DistributorSmall business trade association with convention partnership providing preferential insurance conditions to members
• ConfesercentiminorChannel Partner/ Reseller/ DistributorTrade association for commerce and tourism enterprises with convention partnership providing preferential insurance conditions to members
• LegacoopminorChannel Partner/ Reseller/ DistributorCooperative alliance organization with convention partnership providing preferential insurance conditions to members
• UnipolRentalcoreStrategic or Co-development PartnerLong-term vehicle rental service under the Unipol Group umbrella, offered through Assicoop agencies as part of integrated mobility solutions
• Unipol AssicurazionicoreOthersPrimary insurance underwriter for all insurance products distributed through the Assicoop agency network. Assicoop entities are subject to directional and coordinating activity by Unipol Assicurazioni S.p.A.
• UniSalutecoreOthersHealth insurance specialist underwriter within the Unipol Group, with products distributed exclusively through Unipol Group agencies including Assicoop network

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Vittoria Assicurazioni: Italian mid-sized insurer with a national tied-agent network distributing motor, home, life and accident products; comparable to Assicoop as an agency-led multi-line insurer, though listed and somewhat larger.
• Reale Mutua: Italian mutual insurer with a captive agency network concentrated in northern and central Italy; closely comparable to Assicoop in structure (mutual/cooperative roots, tied-agent distribution, multi-line P&C and health offering).
• Groupama Italia: Italian subsidiary of French mutual Groupama distributing P&C, life and health products through tied agents and brokers across Italy; comparable to Assicoop in mutual/cooperative tradition and agency-led multi-line distribution.
• Cattolica Assicurazioni: Italian cooperative insurer (now part of Generali Italia) with an extensive tied-agent network historically focused on northern Italy; highly comparable to Assicoop in cooperative heritage and agency-led multi-line distribution model.
• Assimoco: Italian mutual insurance group tied to the Confcooperative movement, distributing P&C and life products through a cooperative agency network; closely comparable to Assicoop in cooperative origins, multi-line offering and agency-led distribution.
• Italiana Assicurazioni: Italian multi-line insurer (Reale Group) with a tied-agent and broker network focused on individuals, families and SMEs; comparable to Assicoop in customer segment, product breadth and agency-led distribution.

Broad incumbents

• Allianz Italia: Italian arm of global insurer Allianz, distributing motor, home, life and health products through agents and financial advisors nationwide; competes with Assicoop for the same Italian consumer and SME segments with a broader geographic footprint.
• AXA Italia: Italian subsidiary of AXA distributing P&C, life and health insurance through agents, brokers and bank partners; comparable to Assicoop as a multi-line agency-led insurer serving individuals and SMEs in Italy.
• UnipolSai Assicurazioni: The main operating subsidiary of Unipol Group and direct corporate sibling of Assicoop Romagna Futura; comparable because it shares the same Unipol distribution architecture, product set and central coordination, but operates nationally with its own tied agents and bank-anchored channels.
• Generali Italia: Generali's Italian subsidiary is the country's largest insurer with a national multi-channel agency and bancassurance network; comparable to Assicoop in distributing P&C and life/health coverages through tied agents across Italy, though at much greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Xfacebook.com/AssicoopAgenzieSocietarie
• Facebookfacebook.com/AssicoopRomagnaFutura
• LinkedInlinkedin.com/company/assicoop-romagna-futura
• Instagraminstagram.com/assicoop_romagnafutura_unipol

Revenue estimate

Valuation estimate

Number of profiles

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 Romagna Futura SpA - Unipol Assicurazioni