Condifesa

What Condifesa does

Condifesa Cuneo is an agricultural defense consortium (Consorzio di Difesa) constituted on December 13, 1970 and headquartered in Cuneo, Italy. It is a member-owned association serving 3,488 agricultural producers across five Italian regions (Piedmont, Liguria, Valle d'Aosta, Tuscany, Lazio, and Calabria). The organization is part of the national ASNACODI system that unites 43 defense consortia across Italy and operates within the EU agricultural subsidy framework managed through AGEA.

The consortium's core offering spans two complementary risk management approaches. Passive defense consists of multi-risk agricultural insurance policies covering crops, structures, and livestock against climatic events (hail, frost, drought, excessive rain, floods), supplemented by parametric insurance products that pay out based on predefined weather parameters. Since 2023, it also administers the Agricat national mutual fund providing basic catastrophic-event coverage to all agricultural businesses receiving direct EU payments. Active defense comprises physical protection installations (anti-hail nets, anti-rain nets, anti-frost systems) financed through Piedmont Region Rural Development Programs. The organization runs no proprietary technology platform; it relies on standard document management, electronic signatures, and ISO 27001 certified data centers, with integrations to the national SIAN/MyAgricat system and the CAA (Centri di Assistenza Agricola) network.

Condifesa generates revenue through annual membership fees (quote consortili) from its farmer-members and commissions on insurance premiums processed (€20 million in premiums in 2025 covering €302 million in insured value). Members access services through the Cuneo office, the reserved web portal, territorial meetings, or via CAA intermediaries. The consortium negotiates annually with multiple insurance carriers (Reale Mutua, Amissima, Sara, Lloyd's, UnipolSai, SACE, Italiana Assicurazioni, Gartenbau, Image, Bene Assicurazioni), offers deferred two-installment premium payment, and advances EU/state subsidy payments via bank financing. Governance rests with a 24-member Board of Directors elected for five-year terms, currently led by President Michele Quaglia with Director Aurora Cavallo as the first appointed director since the consortium's founding.

Name

Condifesa

Legal name

Condifesa Cuneo

Website

https://condifesacuneo.it

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

Condifesa Cuneo is a member-owned Italian agricultural defense consortium founded in 1970, serving 3,488 farmer-members across five regions with multi-risk and parametric crop insurance, Agricat mutual fund administration, and active defense installations.

Ownership category

akta.pro rank

Product category

Agricultural Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Funds (52519)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Agriculture & Crop Treaty Reinsurance (FSAOAEAH)

Keywords

• Agricultural insurance
• Crop risk management
• Parametric insurance
• Mutual fund coverage
• Active defense systems

Headquarters

HQ city

Cuneo

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership fees and insurance premiums: Condifesa Cuneo generates revenue through annual membership fees (quote consortili) paid by its 3,488 members. Members pay insurance premiums for multi-risk agricultural insurance policies which are processed through the consortium. The consortium also benefits from EU and state subsidies (contributi comunitari e statali) that are administered through AGEA and advanced to members via bank financing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Condifesa Cuneo is an agricultural defense consortium that provides risk management services for agricultural businesses, primarily multi-risk crop insurance policies and access to the Agricat mutual fund. The consortium negotiates annual insurance terms with multiple insurance companies, manages premium collection (with deferred installment options), processes EU and state subsidy claims through AGEA, and supports active defense installations such as anti-hail nets and anti-frost systems. Additional services include parametric insurance products, policy consultation, and claims assistance for its 3,488 members.

Product overview

Condifesa Cuneo is an agricultural defense consortium providing comprehensive risk management services for farms. The core offering consists of multi-risk agricultural insurance policies (polizze multirischio) and parametric insurance products that protect against climatic events. These are complemented by the Agricat mutual fund coverage for catastrophic events and active defense solutions (anti-hail nets, anti-frost systems). The consortium offers annual insurance campaign management with negotiated rates, premium collection in deferred installments, and assistance with public contribution processing. Additional services include policy consultation, claims assistance, whistleblowing reporting, and support for accessing regional/EU subsidies for protective equipment.

Differentiator

Problem solved

Functional benefit

Products and services

• Agricultural Multi-Risk Insurance (Polizze Multirischio) Comprehensive multi-risk insurance coverage for agricultural productions, farm structures, and livestock facilities against climatic events including hail, frost, drought, and excessive rain; offered to agricultural producer members.
• Parametric Insurance Policies (Polizze Parametriche) Innovative insurance products that pay out based on predefined weather parameters rather than actual losses, enabling faster claim settlement and coverage for climate risks; offered to agricultural businesses.
• Agricat Mutual Fund Coverage Basic mutualistic coverage introduced in 2023, extended to all agricultural businesses receiving direct payments, against catastrophic weather events including frost, drought, and flooding; operates as a national mutual fund.
• Active Defense (Difesa Attiva) Physical protection systems including anti-hail nets, anti-rain nets, and anti-frost systems installed in agricultural areas to prevent crop damage from weather events; offered to fruit producers in the Cuneo province.
• Agricultural Insurance Campaign Services Annual insurance campaign management including negotiated rates with insurance companies, subscription deadline management, premium collection in deferred installments, and public contribution processing (up to 70%); provided to consortium members.
• Policy Consultation and Support Advisory services to members for identifying the most suitable insurance policy type based on individual farm needs, risk assessment, and government subsidy eligibility; offered to agricultural producer members.
• Hail Net and Anti-Frost System Subsidies Support Support services for accessing regional and EU funding (PSR) for installation of anti-hail nets and anti-frost systems, including assistance with application procedures; offered to fruit producers in Cuneo province.
• Polizza Semplificata (Simplified Insurance Policy) New simplified insurance policy introduced experimentally for specific crops, covering quantitative damage from catastrophic events (frost, drought, floods) with possibility of extending to other coverages; works complementarily with Agricat mutual fund.

Quantifiable outcome

• 3,488 members served in 2025
• +2 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• ASNACODI (Associazione Nazionale Consorzi di Difesa)coreStrategic or Co-development PartnerASNACODI is the national association that unites 43 defense consortia. Condifesa Cuneo is part of this system and participates in national initiatives including the annual International Forum on Agricultural Risk Management. ASNACODI coordinates policy positions and represents the consortia system at national and EU level.
• Insurance Companies (Reale Mutua, Amissima, Sara, Lloyd's, UnipolSai, SACE, Italiana Assicurazioni, Gartenbau, Image, Bene Assicurazioni)coreChannel Partner/ Reseller/ DistributorMultiple insurance company partnerships for delivering agricultural insurance products to members. Condifesa negotiates annual agreements for optimal rates and terms.
• CAA (Centri di Assistenza Agricola)coreChannel Partner/ Reseller/ DistributorAgricultural Assistance Centers process member documentation and insurance applications. From 2026, members must delegate Condifesa access to company file data through CAA.
• AMBIENTE SICURO SERVIZIminorImplementation/ SI/ Consulting PartnerThird-party company contracted to manage whistleblowing reports according to Dlgs 24/2023 requirements. Provides written (online platform) and oral (telephone) reporting channels.
• Broker AonminorChannel Partner/ Reseller/ DistributorInsurance broker partnership for organizing member meetings and campaign presentations. Collaborates with Condifesa for the 'Condifesa Cuneo Incontra' territorial events.
• JoinfruitminorStrategic or Co-development PartnerAgricultural Producers Organization (OP) based in Verzuolo. Condifesa participates in Joinfruit events such as Macfrut, discussing agricultural innovation and insurance technology. Partnership for digitalization and insurance innovation.
• AGRION (Fondazione di ricerca applicata per il settore ortofrutticolo)minorStrategic or Co-development PartnerApplied research foundation for fruit and vegetable sector. Condifesa participates in AGRION events and meetings on agricultural innovation, varietal improvement, and risk management.
• CIA (Confederazione Italiana Agricoltori)minorOthersAgricultural union shown in partner logos. Represents farmers' interests at regional and national level.
• ColdirettiminorOthersAgricultural union shown in partner logos. Represents farmers' interests at regional and national level.
• ConfagricolturaminorOthersAgricultural union shown in partner logos. Represents farmers' interests at regional and national level.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Regional players

• Aon: Global insurance brokerage that partners with Condifesa Cuneo for organizing member meetings and campaign presentations. Aon's Italian agricultural practice serves similar farmer and agricultural business clients through brokerage and risk advisory services, operating at larger scale with broader product capabilities.

Others

• Reale Mutua: Italian mutual insurance company and one of Condifesa Cuneo's core insurance carrier partners for agricultural multi-risk policies. Reale Mutua is comparable as a major provider of agricultural insurance products distributed to Italian farmers, though it operates as an underwriter rather than intermediary.
• Lloyd's of London: London-based insurance market listed as one of Condifesa's carrier partners for delivering specialty agricultural coverage. Lloyd's is comparable as a risk carrier serving the Italian agricultural insurance market, particularly for complex or specialty crop and weather-related coverages.
• Confagricoltura: Italian agricultural employers' organization representing agricultural businesses. Shown in Condifesa's partner ecosystem alongside Coldiretti and CIA, it provides comparable member services and policy advocacy for the Italian agricultural sector, though without the insurance intermediary focus.
• Coldiretti: Italy's largest agricultural employers' union representing farmer interests at regional and national level. Coldiretti is comparable as a member-based agricultural organization with significant influence over Italian agricultural policy, including insurance and risk management frameworks that affect Condifesa's operating environment.
• UnipolSai: Major Italian insurance carrier listed as a Condifesa partner for delivering agricultural insurance products. UnipolSai is comparable as one of the dominant underwriters serving the Italian agricultural insurance market, though operating at vastly larger scale as a publicly traded insurance group.
• CIA - Confederazione Italiana Agricoltori: Italian Agriculturalists' Confederation representing farmers across Italy. CIA is comparable as a member-based agricultural association with policy advocacy capabilities and territorial presence, providing complementary services to Italian farmers alongside Condifesa's insurance focus.

Emerging players

• Groupama Italia: Italian subsidiary of French mutual insurance group Groupama, specializing in agricultural and small business insurance. Comparable as an EU-based mutual entity with strong agricultural insurance focus, offering similar crop, livestock, and farm structure coverage to Italian agricultural producers.

Direct peers

• Codipra: Consorzio Difesa Produttori Agricoli del Trentino is another Italian agricultural defense consortium serving fruit and crop producers in the Trentino region. It offers the same member-owned cooperative model for negotiating multi-risk agricultural insurance and accessing EU/national subsidies, making it a directly comparable regional peer.

Broad incumbents

• ASNACODI: Associazione Nazionale Consorzi di Difesa is the national umbrella association uniting 43 Italian defense consortia including Condifesa Cuneo. ASNACODI coordinates policy advocacy, organizes the annual International Forum on Agricultural Risk Management, and represents the consortium system at national and EU level.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/condifesacuneo
• LinkedInlinkedin.com/company/condifesa

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Condifesa