Guardigli Mosaico Assicura Srl

What Guardigli Mosaico Assicura Srl does

Guardigli Mosaico Assicura Srl is an Italian insurance agency operating as the Forlì San Vitale branch of Italiana Assicurazioni, itself part of Reale Group — one of Italy's largest mutual insurance groups with 185 years of history. Founded in 2014 and co-owned by five partners (Cristina Guardigli, Antonio Guardigli, Fausto Amati, Massimo Tirelli, Gianfranco Santini), the agency distributes a comprehensive portfolio of insurance and financial products across six physical locations in the Emilia-Romagna region (Forlì, Ravenna, Forlimpopoli, Faenza, Alfonsine, Cervia), serving more than 11,000 clients including 2,600 corporate accounts.

The product offering spans vehicle, home, health, life, travel, pension, and savings insurance under the Italiana Assicurazioni umbrella, plus specialized professional liability coverage distributed through Lloyd's of London (Mondo Lloyd's) under the firm's Open Market Correspondent accreditation since 2012. Banking products — current accounts, investments, and financing — are offered in-branch through Banca Reale, making the location the first insurance agency in Italy to host an embedded bank. Underlying technology consists of a WordPress-based website with online quote calculators, digital signature capability, and an online claims filing portal; no proprietary underwriting platform or AI/ML infrastructure is evidenced.

The business model is commission-based: the agency earns recurring commissions on Italiana Assicurazioni policy sales and renewals, referral fees from Banca Reale for banking product introductions, and professional services fees for welfare consulting. The go-to-market is sales-led and consultation-driven, delivered through in-person advisory at each physical location and supported by basic digital self-service tools. The agency is registered with IVASS (RUI number A000564500) and has received the Polizza d'Oro award from Italiana Assicurazioni three times.

Name

Guardigli Mosaico Assicura Srl

Legal name

Guardigli Mosaico Assicura Srl

Website

https://gmassi.it

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Guardigli Mosaico Assicura Srl is an Italian insurance agency operating as the Italiana Assicurazioni branch of Forlì San Vitale, distributing insurance, welfare, and banking products across six Emilia-Romagna locations to 11,000+ retail and corporate clients.

Ownership category

akta.pro rank

Product category

Insurance Agency 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

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance agency services
• Vehicle insurance products
• Corporate welfare consulting
• Professional liability coverage
• Pension and savings planning

Headquarters

HQ city

Forlì

HQ country

Italy

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Commission-based revenue from selling and managing insurance policies for Italiana Assicurazioni, covering auto, home, health, life, pension, and business insurance products. The agency earns commissions on new policy acquisitions and renewals.
2. Banking Product Referrals: Referral fees from Banca Reale for directing clients to banking services including current accounts, investments, and financing products. This creates additional revenue through cross-selling financial products.
3. Welfare Consulting Services: Specialized consulting services for corporate welfare, supplementary pension plans, and employee benefits packages for business clients.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Guardigli Mosaico Assicura Srl is an Italiana Assicurazioni insurance agency that distributes a 360-degree portfolio of insurance and financial products to both retail and corporate clients across Emilia-Romagna through six physical branches and online tools. Core offerings include auto, motorcycle and truck liability insurance, home and building insurance, health, life, and travel insurance, pension and savings products, corporate welfare solutions, and specialized professional liability coverage sourced via Lloyd's of London. Banking products are additionally distributed through an embedded Banca Reale branch.

Product overview

Guardigli Mosaico Assicura Srl operates as an insurance agency for Italiana Assicurazioni (part of Reale Group) offering a comprehensive portfolio of insurance and financial products. The agency's core offerings include vehicle insurance (RC Auto/Moto/Autocarro), travel insurance, health insurance (with Ti Affianco, Ti Assisto, and Formula Target products), pension and retirement planning (Previdenza), and savings/investment products. The property insurance suite includes Fabbricato, Casa Mia, and Globale Fabbricati for buildings and homes. The agency also provides specialized products through Lloyd's of London (Mondo Lloyd's) for professional liability coverage, cyber insurance (Cyber Risk Reale), and corporate welfare solutions. Banking services are offered through Banca Reale, including liquidity management, investments, and financing. Supporting services include insurance consulting and claims management.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Auto/Moto/Autocarro (Vehicle Insurance)
• Assicurazione Viaggio (Travel Insurance)
• Assicurazione Salute (Health Insurance)
• Previdenza (Pension and Retirement Planning)
• Risparmio e Investimenti (Savings and Investments)
• Fabbricato (Building Insurance)
• Casa Mia (Home Insurance Package)
• Globale Fabbricati (Comprehensive Condominium Insurance)
• Cyber Risk Reale (Cyber Insurance for SMBs)
• Mondo Lloyd's (Professional and Civil Liability Insurance)
• Banca Reale (Banking Services)
• Welfare Aziendale (Corporate Welfare)
• Consulenze Assicurative (Insurance Consulting)
• Business Insurance Products

Quantifiable outcome

• 11,000+ clients served including 2,600 businesses
• +1 more outcomes

Named customers3 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

One partnership is on record.

• Lloyd's of LondoncoreChannel Partner/ Reseller/ Distributor · 1 January 2012Since 2012, the agency has been accredited as Lloyd's Open Market Correspondents, enabling them to offer specialized professional liability insurance products through the Lloyd's market. This partnership allows them to provide tailored RC professional policies for healthcare professionals, technical professions, and free professions with high regulatory and technical complexity, combined with flexible pricing from Lloyd's of London.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Marsh Italia: Global insurance broker with a significant Italian presence serving corporate and enterprise clients — directly comparable for the agency's commercial/corporate segment and Lloyd's-sourced specialty lines.
• UnipolSai: Leading Italian insurance group with a large captive agency network across personal and commercial lines; the dominant player in auto insurance with similar agency-based distribution mechanics.
• Allianz Italia: Major multinational insurer with a substantial Italian agency and broker distribution network offering personal, commercial, and specialty lines — overlaps directly with the agency's product suite.
• Aon Italia: Global insurance and reinsurance broker operating in Italy with corporate risk advisory and specialty lines capabilities — relevant peer for the agency's corporate and Lloyd's-channel business.
• Groupama Assicurazioni: Italian arm of French mutual Groupama with a captive agency network across personal and small-business lines; directly comparable agency-led distribution model.
• Generali Italia: Italy's largest insurance carrier with a nationwide captive agency network distributing personal and commercial lines; competes with Italiana/Reale's agency model for Italian retail and corporate insurance share.

Direct peers

• Italiana Assicurazioni (Reale Group agency network): Italiana Assicurazioni is the parent carrier whose product suite the agency distributes; other agencies in the Italiana/Reale Group network operate the same business model in different Italian territories, making them the most direct functional peers.
• Vittoria Assicurazioni: Italian insurer with a captive agency network distributing personal and commercial lines through regional agents — closest mid-size structural analog to Italiana Assicurazioni agencies.
• Reale Mutua / Reale Group: Strategic parent group of Italiana Assicurazioni and the broader mutual insurer; the agency operates as part of Reale's captive distribution network, sharing identical product offerings and commercial framework.

Emerging players

• Yolo (InsurTech): Italian InsurTech offering embedded and on-demand insurance products distributed digitally; emerging threat to traditional agencies distributing personal and SME lines through a leaner cost structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AgenziaItalianaForliSanVitale
• Instagraminstagram.com/gmassi_italiana_assicurazioni
• LinkedInlinkedin.com/company/guardigli-mosaico-assicura-srl

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Guardigli Mosaico Assicura Srl