Consorzio Caes Italia

What Consorzio Caes Italia does

Consorzio Caes Italia (CAES — Consorzio Assicurativo Etico Solidale) is a Milan-based non-profit insurance consortium founded in 2007 and registered with IVASS (the Italian insurance regulator) under RUI A000090335 since 05/03/2007. Operating with approximately 13 staff, CAES functions as an insurance intermediary distributing a catalog of ~25 products — including liability (RC Auto, RC Azienda, RC Amministratori/D&O, RC Associazione, RC monopattino elettrico), accident, property (Incendio, Furto, Elettronica, Catastrofi naturali), photovoltaic systems, life, and ethical unit-linked investment insurance (Assolo Virtuoso Special) — sourced from carrier partners Assimoco, Assimoco Vita, and DAS.

The consortium serves four customer segments — social cooperatives, associations, ethical businesses, and individuals/families connected to the Italian solidarity economy — with explicit alignment to D.Lgs. 117/2017 (Codice del Terzo Settore) and Article 36 (Financial Ethics) of IVASS Regulation 41/2018. Distribution combines direct sales from the Milan office, online quote requests, and the ETICAR sub-brand channel (a dedicated RC Auto product for GAS, Banca Etica, and Amnesty International membership pools) that returns a portion of technical-balance surplus to the solidarity economy network.

Revenue is generated through intermediation commissions on placed premiums; no proprietary technology, no API, and no disclosed financials exist. CAES's competitive differentiation rests on ethical screening of investments, transparency (annual Social Balance Sheets since 2014 under the Common Good Balance model with ECOnGOOD), and mutualistic governance — the 8 consortium members (Triocoop, Sisifo, Lo Scoiattolo, Consorzio SIR, Assimoco, Naturcoop, Giuste Terre, Pangea) form both ownership and a captive customer base. Operations are Italy-only with no M&A, funding rounds, or headcount expansion disclosed.

Name

Consorzio Caes Italia

Legal name

CONSORZIO CAES ITALIA

Website

https://consorziocaes.org

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Consorzio Caes Italia is a Milan-based non-profit ethical insurance consortium, registered with IVASS since 2007, that distributes ethical insurance products from Assimoco and DAS to cooperatives, associations, ethical businesses, and individuals connected to the Italian solidarity economy.

Ownership category

akta.pro rank

Product category

Ethical Insurance Intermediation

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Nonprofit / Social Services BOP (FSAJAFAM)

akta.pro secondary industry

Commercial Property Insurance (FSAJACAE)

Keywords

• Ethical insurance brokerage
• Solidarity economy insurance
• Cooperative insurance services
• Social enterprise coverage
• Ethical investment insurance

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation: CAES acts as an insurance intermediary (registered with IVASS under RUI A000090335), distributing insurance products from partner companies (Assimoco, Assimoco Vita, DAS) to cooperatives, associations, businesses, and families. Revenue comes from commissions on insurance premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

CAES is an IVASS-registered insurance intermediary that distributes a comprehensive portfolio of insurance products (liability, accident, property, photovoltaic, life and ethical investment) underwritten primarily by Assimoco, Assimoco Vita and DAS to Italian cooperatives, associations, social enterprises, ethical businesses and solidarity-economy-aligned individuals and families, applying mutualistic and transparency principles and complying with the Third Sector Code (D.Lgs. 117/2017).

Product overview

Consorzio Caes Italia is an ethical insurance consortium that distributes a comprehensive portfolio of insurance products designed for the Third Sector (cooperatives, associations, social enterprises), ethical businesses, and individuals committed to solidarity economy principles. The offering is structured across multiple segments: Per le Cooperative (social cooperatives), Per le Associazioni (associations and non-profits), Per le Imprese (ethical businesses), and Per la Persona e le Famiglie (individuals and families). Core products include liability insurance (RC Auto, RC Associazione, RC Azienda, RC Amministratori/D&O), accident coverage (Infortuni), property coverage (Incendio, Furto, Elettronica), specialized insurance for photovoltaic systems, natural disaster coverage, and life/investment products. The subsidiary brand ETICAR provides specialized auto insurance for the ethical consumption sector. The consortium operates as an insurance broker distributing products primarily from Assimoco and DAS under ethical and transparency principles, without technical API integrations.

Differentiator

Problem solved

Functional benefit

Brands

• ETICAR: RC Auto insurance dedicated to the solidarity economy and critical consumption sector, offered in collaboration with Gruppo Assimoco. Features mutualistic approach with reduced territorial differentiation and contributions to the solidarity economy network.

Products and services

• RC della Cooperativa Sociale Liability insurance for social cooperatives covering risks related to operations and activities of the cooperative entity; tailored to Italian Third Sector entities.
• D&O - RC Amministratori Directors and Officers liability insurance protecting cooperative board members and administrators from legal claims arising from their governance role.
• Infortuni Dipendenti e Collaboratori Accident insurance for cooperative employees and collaborators covering workplace and non-workplace injuries.
• Infortuni Utenti Accident insurance for users of cooperative services.
• Infortuni Soci Accident insurance for cooperative members (soci).
• Incendio Fire insurance coverage for cooperative and association properties and assets against fire damage.
• Furto Theft insurance covering losses from burglary and robbery for cooperative and association assets.
• Elettronica Electronics insurance covering computers, equipment and electronic devices against damage and loss.
• Catastrofi naturali Natural disaster insurance covering earthquakes, floods and other natural catastrophes for properties and operations.
• Impianti Fotovoltaici (Fotovoltaico Protetto)

Quantifiable outcome

• ETICAR project has contributed €29,500 to Italian solidarity economy network from 2013-2024
• +1 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

18 partnerships are on record, tiered core and minor.

• Assimoco SpacoreChannel Partner/ Reseller/ Distributor · 5 March 2007Primary insurance partner; part of Italian Cooperative Movement; offers life, non-life, and investment insurance products. Assimoco is a Società Benefit integrating social impact objectives into its business purpose. CAES distributes Assimoco products to solidarity economy entities.
• Assimoco Vita SpacoreChannel Partner/ Reseller/ Distributor · 5 March 2007Life insurance subsidiary of Assimoco group, providing life insurance and investment products. CAES distributes their products including the Assolo Virtuoso Special ethical investment insurance.
• DAS Difesa Automobilistica Sinistri SpacoreChannel Partner/ Reseller/ Distributor · 5 March 2007Legal protection insurance company (DAS) providing legal protection products integrated into CAES insurance offerings.
• Banca Popolare Etica SCPAcoreGTM or Marketing Partner · 5 March 2007Ethical bank whose clients are eligible for ETICAR insurance products. CAES provides RC Auto insurance products specifically designed for Banca Etica customers.
• GAS (Gruppi d'Acquisto Solidale)coreGTM or Marketing PartnerSolidarity Purchase Groups form the primary target customer base for ETICAR RC Auto insurance. GAS members receive 15% sustainable mobility discount and contribute to ETICAR commission governance.
• Amnesty International ItaliaminorGTM or Marketing PartnerHuman rights organization whose members are eligible for ETICAR insurance products.
• ECOnGOODminorStrategic or Co-development PartnerOrganization collaborating with CAES on the Common Good Balance Sheet (Bilancio del Bene Comune) methodology, used for CAES's annual social reporting.
• Forum Nazionale del Terzo SettoreminorStrategic or Co-development PartnerNational Third Sector Forum co-organizing Cantieri ViceVersa project, promoting ecological and energy transition in the Third Sector. CAES participates in related discussions.
• ABI Broker SRLminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration under Art. 22, comma 10, DL 179/2012. Registered with RUI Section B.
• Area Brokers Industria SRLminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.
• Broker Arco SRLminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.
• GBSAPRI SPAminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.
• ICB SRLminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.
• FAUSTINI SAS di Annalisa Faustini &CminorChannel Partner/ Reseller/ DistributorInsurance agency in libre collaboration. Registered with RUI Section A.
• Target Assicurazioni di Duminuco ChiaraminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.
• CIBA Brokers SPAminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.
• Alea Special Risks Solutions - Centurioni UgominorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.
• Lokky SRLminorChannel Partner/ Reseller/ DistributorInsurance broker in libre collaboration. Registered with RUI Section B.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Italiana Assicurazioni: Italian insurance carrier (Reale Group) offering P&C, life, and investment products. Operates in the same distribution channels as CAES through brokers and agencies in Italy.
• Assimoco: Insurance carrier of the Italian Cooperative Movement and Società Benefit. While technically CAES's primary underwriting partner rather than a competitor, Assimoco operates in adjacent ethical insurance distribution and could compete directly if it develops captive intermediary capabilities.
• Reale Mutua: Italy's largest mutual insurance company (185-year-old mutual). Competes in the same Italian P&C and life insurance market as CAES with a mutualistic structure, but at much greater scale and broader customer targeting.

Emerging players

• Bene Assicurazioni: Italian insurance broker focused on transparent, fair-pricing consumer insurance products. Targets similar Italian consumer segments as CAES's family/individual business with an emphasis on ethical and customer-friendly positioning.
• GenialMore: Italian insurance broker with digital-first distribution and focus on transparent, customer-friendly insurance products targeting younger and value-conscious segments — competing for the same Italian consumer insurance wallet as CAES's family segment.
• Prima.it: Italian digital insurance broker specializing in RC Auto and home insurance with simplified online purchase. While not ethical-focused, competes directly with CAES's ETICAR RC Auto product on convenience and pricing for Italian consumers.

Others

• Banca Etica: Italian ethical bank and CAES's core GTM partner for ETICAR products. While not a direct insurance competitor, Banca Etica represents the same Italian ethical-finance customer base and could theoretically expand into insurance distribution.

Direct peers

• Mutua Piemonte: Italian mutualistic welfare and healthcare cooperative referenced by CAES in their own news as a comparable territorial mutuality model. Both entities operate under mutualism principles and target communities seeking alternatives to conventional insurance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/caes

Compliance1 record

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 Consorzio Caes Italia