Broker Senza Sorprese S.R.L. Società Benefit

What Broker Senza Sorprese S.R.L. Società Benefit does

Broker Senza Sorprese S.r.l. Società Benefit is an Italian insurance brokerage founded in 2020 and headquartered in Bassano del Grappa (Vicenza). The firm sells a consulting-first risk management methodology combining UNI ISO 31000, the Pareto Principle, and the Theory of Constraints, delivered through two client tracks: Futuro Senza Sorprese for individuals and families, and Azienda Senza Sorprese for business owners (delivered as a personalised Piano Guida). Its core technology is Sator, a proprietary consulting software developed in 2014 that structures diagnostic sessions, supplemented since 2025 by a telemedicine-enabled underwriting workflow run by a centralised in-house medical team. The company builds and co-develops bespoke insurance products with named reinsurers and carriers rather than reselling catalog products: Reddito Senza Sorprese with RGA (2021), Entrate Garantite with Afi Esca and SCOR (2022), and Key Man with MetLife (2023); transparency disclosures also list Squarelife and ROLAND as carriers.

Broker Senza Sorprese is wholly founder-owned by Simone Costenaro, with no disclosed institutional capital. Revenue is generated through insurance brokerage commissions (transaction-fee model) on policies placed with partner carriers and reinsurers, plus professional consulting engagements tied to personal projects and business Piano Guida deliverables. Pricing is quote-based with no published tiers; clients request personalised projects via website inquiry forms. Distribution runs through a direct sales motion staffed by certified consultants who undergo monthly training and supervision under La Scuola di Assicuratore Facile (the in-house academy established 2019), supplemented by an integrated channel partnership with Assicuratore Facile and a formal 'Lavora con Noi' intermediary recruiting funnel that requires RUI registration.

The company is regulated by IVASS (RUI registration B000671254, dated 7 December 2020) and operates exclusively in Italy. Marketing presence is content-driven through the corporate website, LinkedIn, Facebook, and Trustpilot, alongside an annual Relazione d'Impatto (Impact Report) issued as a Società Benefit. Addressable market is split between Italian households (personal protection, income protection, family continuity) and Italian SMEs/mid-market enterprises (business continuity, key-person, governance-linked risk management).

Name

Broker Senza Sorprese S.R.L. Società Benefit

Legal name

Broker Senza Sorprese S.r.l. Società Benefit

Website

https://brokersenzasorprese.com

Company type

Private

Founded year

2020

Operating status

Operating

Short description

Broker Senza Sorprese is a founder-owned Italian insurance brokerage (Società Benefit) that sells a consulting-first risk management methodology — Futuro Senza Sorprese for individuals and families, Azienda Senza Sorprese for businesses — supported by its proprietary Sator software and co-developed policies with RGA, SCOR, MetLife, and Afi Esca.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage services
• Risk management consulting
• Personal insurance protection
• Business insurance solutions
• Italian insurance broker

Headquarters

HQ city

Bassano del Grappa

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: The company acts as an insurance broker earning commissions from insurance products distributed through its network of consultants and partnerships with multiple insurance companies (Squarelife, Afi Esca, MetLife, ROLAND) and reinsurers (RGA, SCOR).
2. Professional Consulting Services: Revenue generated through consulting engagements for risk management, including Futuro Senza Sorprese (personal projects) and Azienda Senza Sorprese (business Piano Guida).

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Broker Senza Sorprese is an Italian insurance brokerage and risk management consulting firm that distributes proprietary and partner-built insurance products to individuals and businesses. It delivers personalized risk analysis through certified consultants using its proprietary Sator consulting software, aligned with the UNI ISO 31000 standard, and offers custom-designed insurance solutions including income protection (Reddito Senza Sorprese), guaranteed income (Entrate Garantite), and key person coverage (Key Man). The company earns commissions on insurance products placed and fees on consulting engagements.

Product overview

Broker Senza Sorprese is an insurance brokerage company (Società Benefit) offering two main consulting programs: Futuro Senza Sorprese for personal/family protection and Azienda Senza Sorprese for business/entrepreneur protection. Both programs are supported by the proprietary Sator software system and use a methodology combining UNI ISO 31000, Pareto's Law, and the Theory of Constraints. The company also offers proprietary insurance products including Reddito Senza Sorprese (income protection with mandatory medical examination), and through partnerships provides Entrate Garantite (guaranteed income via Afi Esca/SCOR) and Key Man insurance (via MetLife). The ecosystem includes Assicuratore Facile as the consulting method sub-brand and La Scuola di Assicuratore Facile as the internal training academy.

Differentiator

Problem solved

Functional benefit

Brands

• Futuro Senza Sorprese: Personal protection service helping individuals and families build tailored projects to measure and manage life risks.
• Azienda Senza Sorprese
• Reddito Senza Sorprese
• Entrate Garantite
• Sator
• La Scuola di Assicuratore Facile

Products and services

• Futuro Senza Sorprese Personal protection consulting project for individuals and families that measures risk impact and connects it to clients' lives, using the proprietary Sator methodology. The service includes annual recalibration to keep protection coherent with changing life circumstances.
• Azienda Senza Sorprese Business protection consulting project for entrepreneurs, with a structured diagnosis and personalized Piano Guida that identifies critical risks, links them to governance objectives, and builds coherent, sustainable protection.
• Reddito Senza Sorprese Income protection insurance policy entirely designed by Broker Senza Sorprese and developed with RGA Italia. First policy in the Italian market to require mandatory medical examination for every policy without exceptions, ensuring objective risk evaluation.
• Entrate Garantite Guaranteed income insurance product offered through partnership with Afi Esca and reinsurer SCOR, providing additional protection coherent with the company's daily analysis method.
• Key Man Key person insurance delivered via MetLife partnership, designed to protect business continuity in case of events involving key figures in enterprises.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core, important and secondary.

• SCORcoreStrategic or Co-development Partner · 1 January 2022Partnership with SCOR (in conjunction with Afi Esca) that enabled the development of Entrate Garantite, strengthening the solidity of the project and offering more complete protection coherent with the analysis method adopted daily.
• Afi EscacoreStrategic or Co-development Partner · 1 January 2022Partnership with Afi Esca (in conjunction with SCOR) for the Entrate Garantite product. Also referenced as AFI ESCA IARD for property/casualty coverage. Contributes to the company's ecosystem of harmonized insurance solutions.
• MetLifeimportantStrategic or Co-development Partner · 1 January 2022Partnership with MetLife for human capital protection in enterprises through a dedicated Key Man policy, designed to protect business continuity in case of events involving key figures.
• RGA (RGA Italia)coreStrategic or Co-development Partner · 1 January 2021Partnership with RGA Italia (led by Adriano De Matteis) that enabled the development of Reddito Senza Sorprese, the first insurance policy entirely built and strongly desired by Broker Senza Sorprese in all its characteristics. This partnership introduced mandatory medical examination requirements for all policies, distinguishing the product from standard market offerings that rely on self-declaration.
• Assicuratore FacilecoreChannel Partner/ Reseller/ Distributor · 1 January 2014Assicuratore Facile is the first element of the integrated distribution chain, established in 2014. It provides the consulting approach and marketing method that forms the foundation of the partnership. The two companies operate as an integrated insurance distribution chain in Italy.
• Squarelife Insurance AGsecondaryTechnology or IntegrationListed as one of the insurance companies with which the intermediary has or could have business relationships, per the Transparency disclosure requirements under IVASS regulations.
• ROLAND Rechtsschutz Versicherung AGsecondaryTechnology or IntegrationListed as one of the insurance companies with which the intermediary has or could have business relationships, per the Transparency disclosure requirements under IVASS regulations.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Marsh & McLennan (Marsh): Global insurance brokerage and risk advisory leader with substantial Italian operations. Provides large-enterprise risk consulting and placement services, far broader in scale but overlapping in consulting-led brokerage model.
• Aon plc: Global professional services firm with a major insurance brokerage arm operating in Italy. Competes in risk advisory and insurance placement for corporate clients with significantly more resources.
• Willis Towers Watson (WTW): Global advisory, brokerage, and solutions company with insurance brokerage services in Italy. Comparable in risk consulting methodology but operating at vastly greater scale.
• Arthur J. Gallagher & Co. Large international insurance brokerage and risk management firm with growing European presence. Comparable in serving middle-market and enterprise clients through consulting-led brokerage.
• Lockton Companies: World's largest privately held insurance brokerage with European operations. Comparable in emphasizing a partnership-style, consultant-led brokerage culture and bespoke client solutions.
• Generali Italia: Italy's largest insurance carrier with a captive broker network. While primarily an underwriter/carrier, its distribution network competes directly with independent brokers in the personal and SME segments served by Broker Senza Sorprese.

Emerging players

• Howden Group Holdings: Fast-growing European-headquartered insurance broker that has expanded through acquisition across continental Europe. Comparable in emphasizing a client-centric, specialist advisory model versus the largest global incumbents.

Others

• Sedgwick: Global provider of claims management, loss adjusting, and risk-related services with presence in Italy. Adjacent to Broker Senza Sorprese's risk advisory positioning, particularly relevant for the business-protection segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Broker Senza Sorprese S.R.L. Società Benefit