Generali Italia Assicurazioni

What Generali Italia Assicurazioni does

Generali Italia Assicurazioni, legally Generali Italia S.p.A., is the principal Italian country subsidiary of Assicurazioni Generali S.p.A. and one of the largest insurance carriers in Italy. Authorized on December 2, 1927 and headquartered in Mogliano Veneto (Treviso), the company is registered with IVASS under No. 1.00021 and operates under the direction and coordination of its listed parent, Assicurazioni Generali. It serves approximately 11 million insured customers across five segments — individual consumers (Privati), professionals (Professionisti), SMEs and micro-enterprises (PMI), large enterprises (Grandi Imprese), and institutions/non-profits — through a multi-line product portfolio spanning motor, home, health, life, savings, investment, pensions, professional liability, cyber, marine, aviation, and large-corporate specialty lines.

The product portfolio is organized under recognized brand families: 'Immagina Adesso' (modular home/health/accident/RC/pet), 'Immagina Strade Nuove' (usage-based auto with scatola nera telematics), 'ATTIVA' (business, professional liability, and welfare), 'GenerAzione' and 'Valore Futuro' (investment and savings), 'Generali Global' and 'GenerAzione Previdente' (pensions), 'Cyber Lion' (cyber risk), and 'ARTE Generali' (art). The underlying technology platform is the MyGenerali digital portal and mobile application (iOS/Android), which integrates policy management, claims, teleconsulto medico, the InNetwork/Welion healthcare facility finder, digital quote engines (preventivatori including PREVENTIVASS for RCA), advanced electronic signature (FEA), and the PiùGenerali loyalty program.

The business model is subscription-based recurring premium revenue across P&C, life, health, and pension lines, supplemented by investment-management fees on separate accounts (GESAV, gestione separata) and bancassurance distribution fees. Distribution is hybrid: a proprietary network of approximately 22,000 agents (consulenti) is the primary channel, complemented by digital direct (website, app, Numero Verde 800 880 880), bancassurance partnerships (including the Cattolica brand), and an affiliated service network of approximately 800,000 healthcare and auto-repair structures that serve as both service delivery touchpoints and referral sources. The Genertel S.p.A. partial spin-off (effective October 2026) is consolidating the direct-to-consumer and investment-linked books within the entity.

Name

Generali Italia Assicurazioni

Legal name

Generali Italia S.p.A.

Website

https://toro.generali.it

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

1–10 employees

Short description

Generali Italia S.p.A. is the principal Italian insurance subsidiary of Assicurazioni Generali Group, serving approximately 11 million customers across P&C, life, health, and pensions via a 22,000-agent network, MyGenerali digital platform, and 800,000 affiliated service structures.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

akta.pro secondary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• Multi-line insurance
• Auto insurance
• Health insurance
• Life insurance
• Commercial insurance

Headquarters

HQ city

Mogliano Veneto

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance Premiums: Core revenue from collecting insurance premiums across auto (RCA, moto, nautica, veicoli commerciali), home (immagina adesso casa), health (immagina adesso salute), business (PMI/Micro imprese, arti e mestieri), professional liability, and other P&C lines. Premiums are collected upfront (annual or multi-year policies) with the revenue recognized over the policy period.
2. Life Insurance and Investment Products: Revenue from life insurance (assicurazione vita), unit-linked investment products (multi-ramo), savings products (GenerAzione Investimento, Valore Futuro, GeneraSviluppo Sostenibile), and pension products (TFR, TFM). Premiums collected and invested in separate accounts (gestioni separate) such as GESAV, with management fees applied.
3. Pension and Complementary Social Security Products: Individual pension plans (PIP - Piani Individuali Pensionistici), open pension funds (Fondo Pensione Aperto Generali Global), and complementary pension products (previdenza complementare). Revenue generated through contributions and management fees on accumulated reserves.
4. Health and Welfare Insurance: Health insurance products (immagina adesso salute, attiva welfare) offering reimbursement of medical expenses, network access, teleconsultation, and cash benefits for illness/injury. Premium revenue from individual and corporate (welfare aziendale) clients.
5. Bancassurance and Intermediary Distribution Fees: Revenue sharing and distribution fees from banking partners and other intermediaries that distribute Generali insurance products, including post-sale management of bank-distributed policies.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Generali Italia Assicurazioni is a multi-line Italian insurance company that sells and underwrites personal insurance (auto, home, health, life, pet, travel, art, long-term care), savings and investment insurance products, pension and complementary retirement plans, and commercial insurance (SME, professional liability, cyber, marine, aviation, casualty, financial lines, construction, multinational programs). The company distributes these products through a network of approximately 22,000 agents, digital channels (website, MyGenerali app), bancassurance partnerships, and affiliates such as Cattolica.

Product overview

Generali Italia is a multi-line insurance company operating under a platform-plus-product-architecture. The core digital platform is MyGenerali, a customer portal and mobile app (iOS/Android) serving as the unified access point for all products. The portfolio is organized into five primary customer segments — Privati (individuals/families), PMI e Micro Imprese (SMEs and micro enterprises), Professionisti (professionals), Enti e Istituzioni (institutions), and Grandi Imprese (large enterprises) — each served by dedicated product lines. For individuals, the flagship 'Imagina Adesso' modular suite bundles home, health, accident, and civil liability coverage, supported by specialized life and pension products (GenerAzione Investimento, Scegli per una Lungavita, Scegli col Cuore, Pensione Immediata, GenerAzione Previdente, Generali Global). The auto/mobility line is anchored by 'Immagina Strade Nuove' (usage-based insurance with black box) and 'Immagina Strade Nuove Passione Moto' for motorcycles, alongside marine, classic car, and commercial vehicle offerings. For professionals and SMEs, the 'ATTIVA' sub-brand provides profession-specific liability insurance (ATTIVA Professione Sanitaria, ATTIVA Commercio, ATTIVA Welfare, Cyber Lion), complemented by sector solutions (GeneraImpresa 360, GenerAmbiente, GeneraEnergia, GeneraTrasporti). Large enterprises access specialized lines (Property, Casualty, Marine, Aviation, Cyber, Financial Lines, Construction & Bonds, Risk Engineering & Loss Prevention, Multinational Programs, Parametric/ART). A growing digital services layer includes teleconsulto, online quote generators (Preventivass), and the PiùGenerali loyalty program, all accessible via MyGenerali.

Differentiator

Problem solved

Functional benefit

Brands

• Immagina Adesso: Insurance product brand covering home, health, accidents, RC and pets
• Immagina Strade Nuove
• Generali Sei in Sicurezza
• ATTIVA
• Cyber Lion
• GeneraImpresa 360
• ARTE Generali
• Generali Global
• GenerAzione
• MyGenerali
• PiùGenerali
• GenMar
• Scegli per una Lungavita
• Scegli col Cuore
• Valore Futuro

Products and services

• Immagina Adesso Salute&Benessere Comprehensive health insurance covering check-ups, specialist visits, teleconsultation, reimbursements for medical expenses, and access to Generali's affiliated healthcare network (InNetwork). Includes oncology treatments, permanent disability income from accidents or illness, and 'Pronta Liquidazione infortuni' rapid payout for common joint injuries.
• Immagina Adesso Casa Home insurance covering the policyholder's dwelling against damages, natural events, theft, and civil liability related to the home. Combinable with other Immagina Adesso modules (health, accidents, RC, pets).
• Immagina Adesso Modular multi-risk insurance bundling home, health, accident, third-party liability, and pet coverage in a single policy for individuals and families. Customers can customize coverage levels and activate specific modules (Casa, Salute&Benessere, Cucciolo, Armonia).
• Immagina Strade Nuove Usage-based auto insurance (pay-per-drive) that adjusts premiums based on driving behavior. Includes a black box (scatola nera) offering up to 45% discount and covers auto liability, damages, and roadside assistance.
• Immagina Strade Nuove Passione Moto Motorcycle and scooter insurance covering RC Auto, optional protections such as legal defense, and RC Auto coverage for electric scooters per Italian law (Legge 177/2024, effective July 2026).
• Scegli per una Lungavita Long-term care (LTC) insurance covering loss of self-sufficiency (perdita dell'autosufficienza), providing financial support when the policyholder can no longer perform daily living activities independently.
• Scegli col Cuore — PROGETTI Life insurance that protects the policyholder's projects, including mortgage protection (tutela del mutuo), providing death benefit payouts tied to outstanding loan obligations.
• Scegli col Cuore PER CHI AMI Life insurance that protects the policyholder's loved ones, paying a death benefit to designated beneficiaries to ensure family financial security.
• Pensione Immediata Immediate life annuity contract (rendita vitalizia immediata) providing regular pension income in exchange for a lump-sum or periodic premium payment, designed for retirees or those approaching retirement.
• GenerAzione Previdente Individual Pension Plan (Piano Individuale Pensionistico, PIP) providing supplemental retirement savings with tax advantages, part of the Italian complementary pension system (D.lgs. 252/2005).
• Generali Global Open pension fund (Fondo Pensione Aperto) offering defined-contribution retirement savings with investment options across different risk profiles, accessible to individuals and companies.
• GenerAzione Investimento Multi-branch investment insurance (assicurativo multiramo) combining life insurance savings with investment fund exposure, offering both protection and growth potential with flexible premium options.
• Valore Futuro Investment insurance product combining capital protection with return potential, designed to build financial solidity for the policyholder's future.
• GeneraSviluppo Sostenibile Sustainable investment insurance channeling capital toward ESG (environmental, social, governance) assets, aligned with Generali's sustainable finance commitments.
• Rinnova Valore Bonus Investment insurance product designed to provide financial stability and a bonus return upon policy maturity or death.
• GenerAzione Risparmio Capital accumulation plan (piano di accumulo) allowing regular savings contributions to build wealth over time, with flexible contribution amounts and frequency.
• ImmaginaFuturo Flexible savings plan (piano di risparmio) designed for personalized long-term financial goals, with flexible premium adjustment capabilities.
• Immagina Adesso Cucciolo Pet insurance covering dogs, cats, and other domestic animals, reimbursing veterinary expenses and covering third-party liability if the pet causes injury or damage.
• Immagina Adesso Armonia Third-party civil liability and legal protection insurance (responsabilità civile e tutela legale) covering the policyholder's private life, family, and home activities.
• ViviCondominio Condominium insurance protecting buildings, residents, and common areas against structural damages, civil liability, and photovoltaic panel installations, with optional legal coverage for disputes.
• Generali Sei in Viaggio Travel insurance covering medical expenses abroad, trip cancellation, and unforeseen events during travel, available as an annual or single-trip policy.
• ARTE Generali Private Fine art and valuable objects insurance covering paintings, jewelry, and collectibles for private clients, providing all-risk coverage against damage, theft, and transit.
• Ruote da Collezione Specialized insurance for historic cars and motorcycles (auto e moto storiche), covering collector vehicles with Agreed Value coverage and specific protections tailored to classic vehicle ownership.
• GenMar Nautical insurance covering boats, vessels, and outboard motors (barche, natanti e motori fuori bordo) against damages, liability, and Assistance risks while navigating.
• ATTIVA Veicoli commerciali Commercial vehicle insurance covering vans, trucks, and business-use vehicles against liability, damages, and operational risks specific to commercial transport.
• ATTIVA Macchine agricole Agricultural machinery insurance covering tractors, harvesters, and farm equipment against damages, breakdowns, and liability during agricultural operations.
• ATTIVA Commercio Commerce and SME insurance covering retail shops, restaurants, and small businesses against fire, theft, business interruption, and civil liability risks.
• ATTIVA Imprese&Artigiani Business and artisan insurance covering small enterprises and craftsmen against operational risks, including property damage, liability, and business interruption.
• ATTIVA Welfare Corporate welfare insurance providing accident and illness coverage for employees, enabling employers to offer supplementary health benefits as part of HR packages.
• Cyber Lion Cyber risk insurance for businesses and professionals covering data breaches, hacker attacks, business interruption from cyber events, including pre-incident assessment and post-incident response services.
• ATTIVA Professione Sanitaria Professional liability insurance for healthcare workers including doctors, nurses, and paramedical staff, covering claims arising from malpractice and professional negligence.
• ATTIVA Professione Tecnica Professional liability insurance for engineers, architects, surveyors, and other technical professionals, covering design errors, omissions, and construction-related claims.
• ATTIVA Professione Liberale Professional liability insurance for liberal professions including accountants, labor consultants, real estate agents, and condominium administrators.
• RC Avvocati Cassa Forense Professional liability insurance specifically designed for lawyers affiliated with Cassa Forense, covering legal practice risks and mandatory coverage requirements.
• ATTIVA Professione Non Ordinistica Professional liability insurance for unregulated professions (non-ordini professionali) that do not require mandatory enrollment in a professional register.
• ATTIVA Professione Dipendente Pubblico Insurance protecting public employees against professional liability claims arising from their official duties, covering legal costs and damages.
• ATTIVA Professione Insegnante Professional liability insurance for teachers and school administrators covering claims arising from educational activities, supervision duties, and classroom incidents.
• ATTIVA Professione Progettista Esterno in Appalti Pubblici Professional liability insurance for external designers participating in public procurement tenders (appalti pubblici), covering design errors in public works projects.
• ATTIVA Professione Asseveratore Professional liability insurance for certified building project assessors (asseveratori di progetti edili), covering the accuracy of certifications in construction and urban planning.
• ATTIVA Turismo Insurance for tourist facilities including hotels, B&Bs, and hospitality businesses covering property damage, business interruption, and guest liability.
• ATTIVA Agricoltura Agricultural business insurance covering farms and agritourisms against property damage, liability, and operational risks specific to agricultural activities.
• ATTIVA Zootecnia Insurance for livestock farming and beekeeping operations, covering animal mortality, disease outbreaks, and operational losses specific to zootecnic activities.
• ATTIVA Raccolto Agricultural crop insurance protecting farmers' harvests against natural events including hailstorms, floods, drought, and other weather-related losses.
• GeneraImpresa 360 Comprehensive business insurance package for SMEs and companies bundling property, liability, fleet, and operational risk coverage in a single modular policy.
• GeneraTrasporti Goods transport insurance (assicurazione vettoriale) covering carriers and logistics operators against damages to goods in transit, liability, and operational interruptions.
• GenerAmbiente Environmental liability insurance (R.C. Ambientale) covering businesses for pollution events, environmental damages, and remediation costs arising from their operations.
• GeneraEnergia Insurance for photovoltaic and wind energy installations, covering equipment damage, business interruption, and liability arising from renewable energy systems.
• Generali TFR Employee termination benefit (Trattamento di Fine Rapporto) insurance allowing companies to fulfill their legal obligation to set aside TFR for employees, with options for company-level supplemental schemes.
• Generali TFM Termination benefit (Trattamento di Fine Mandato) insurance for corporate directors and collaborators, covering end-of-mandate financial settlements.
• Risparmio Impresa Easy Saving Corporate liquidity investment product allowing SMEs to invest surplus cash reserves with flexible redemption and competitive returns.
• ARTE Generali Exhibition Temporary art exhibition insurance covering artworks, displays, and exhibition venues against damage, theft, and third-party liability during temporary shows.
• ARTE Generali Institutional Art insurance for institutional clients covering museums, foundations, and cultural institutions against damage, transit risks, and comprehensive collections coverage.
• Generali & Non Profit Insurance tailored for the third sector (terzo settore), covering associations, foundations, and non-profit organizations against liability, property, and operational risks.
• Parametric and ART (Alternative Risk Transfer) Alternative risk transfer and parametric insurance products providing rapid payout coverage for defined triggering events (e.g., natural catastrophes), designed for enterprise clients seeking innovative risk solutions.
• Aviation Aviation insurance covering aircraft operators, airports, and aviation risks with mono-risk and multi-risk policies for hull, liability, and passenger coverage.
• Casualty General liability and casualty insurance for large enterprises protecting against claims for bodily injury, property damage, and financial losses requested by third parties.
• Claims Management Claims management services for large enterprises providing structured loss adjustment, claims handling, and business continuity support to protect operations following insured events.
• Construction & Bonds Construction insurance and surety bonds covering contractors, builders, and developers for project delays, defects, performance guarantees, and contractual obligations in the construction sector.
• Cyber (Large Enterprises) Enterprise-grade cyber risk insurance covering large organizations against data breaches, ransomware attacks, business interruption, and reputational damage, with pre-incident cyber assessment and post-incident response.
• Financial Lines Financial lines insurance covering D&O (Directors & Officers), professional indemnity, and crime risks for large enterprises, protecting management and the company against financial losses from wrongful acts.
• Marine Marine insurance covering ships, cargo, and maritime liability risks for large enterprise clients engaged in international trade and shipping operations.
• Multinational Program Service Integrated insurance program service for multinational corporations with international operations, providing coordinated coverage across multiple jurisdictions and local regulatory compliance.
• Property All-risks property insurance for large enterprises covering buildings, equipment, inventory, and business interruption against fire, natural perils, and accidental damages.
• Risk Engineering & Loss Prevention Risk engineering and loss prevention consulting services for large enterprises, providing risk analysis, loss prevention surveys, and mitigation recommendations to reduce exposure.
• Generali Sei in Sicurezza in Circolazione Driver and passenger insurance covering injuries to the policyholder and occupants of a vehicle during travel, complementing mandatory RC Auto coverage.
• Generali Sei in Auto — Altri Veicoli Insurance for buses and self-propelled operating machines (macchine operatrici), covering liability and operational risks for specialty vehicles not classified as standard automobiles.
• MyGenerali (Digital Platform) Digital customer portal and mobile application (iOS and Android) providing policyholders 24/7 access to policy documents, reimbursement requests, teleconsultation services, and the PiùGenerali loyalty program. The platform serves as the primary digital touchpoint for interacting with Generali insurance products.

Quantifiable outcome

• Up to 45% discount on auto insurance for policyholders who install a telematics black box device
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Gestore dei Servizi Energetici (GSE)minorOthersPartnership with GSE for energy community programs (Comunità Energetiche Rinnovabili / AUC - Autoconsumo Collettivo). Generali SempliCER initiative supports renewable energy communities, with energy sharing benefits and financial contributions from GSE to participating customers (condominiums, households).
• Radio24 (Sole 24 Ore)minorGTM or Marketing PartnerPartnership for the podcast 'E se domani. Storie di longevità quotidiana' produced with Radio24, covering topics of longevity, wellness, and financial protection. Joint brand content initiative for audience building and brand awareness.
• Welion Healthcare NetworkcoreTechnology or IntegrationThe Welion network provides the affiliated healthcare facility network used by Generali Italia health insurance policyholders, offering discounted access to specialists, diagnostic centers, dental care, physiotherapy, optics, audiology, and hospitals including IRCCS (scientific research hospitals) and public hospitals. Integrated into the MyGenerali platform and the InNetwork option.
• IVASS (Istituto per la Vigilanza sulle Assicurazioni)coreOthersItalian Insurance Supervisory Authority. Generali Italia is registered with IVASS under number 1.00021, section I of the Albo Imprese. The company is subject to IVASS regulatory oversight and authorization (authorized with provision dated 02.12.1927). Regulatory approvals for corporate restructuring operations are granted by IVASS.
• COVIP (Commissione di Vigilanza sui Fondi Pensione)coreOthersPension regulatory authority overseeing complementary pension products. COVIP sets guidelines for new pension benefit options (rendita a durata definita, prelievi liberamente determinabili, erogazione frazionata) applicable to Generali pension products from July 2026.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Reale Mutua: Italy's largest mutual insurance company, offering auto, home, health, and life coverage through an agency network. Comparable to Generali Italia in distribution model and product breadth within the Italian retail market.
• Poste Italiane (Poste Vita): Italy's largest bancassurance player leveraging the Poste Italiane postal network to distribute life, pension, and investment products at massive scale. A key competitor in life and pension distribution where Generali Italia also plays.
• Zurich Italia: Italian operations of Zurich Insurance Group, offering auto, home, life, and business coverage through agents and brokers. Competes with Generali Italia in both retail and mid/large commercial segments in Italy.
• Vittoria Assicurazioni: Italian mid-sized multi-line insurer focused on auto, home, health, and life coverage through an exclusive agency network. Comparable to Generali Italia in agency-led distribution and P&C/life mix.
• AXA Italia (now AXA MPS Assicurazioni): Major Italian multi-line insurer offering auto, home, health, and life coverage through agency and banking channels (including MPS). Competes with Generali Italia across retail and small commercial lines in Italy.
• Intesa Sanpaolo Vita: Bancassurance arm of Intesa Sanpaolo, distributing life, savings, and pension products through Italy's largest banking network. Directly comparable to Generali Italia's bancassurance revenue stream.
• UnipolSai Assicurazioni: Italy's largest domestic insurance group by premiums, offering auto, home, health, life, and business coverage through a multi-channel model including a large agency network. Closest direct competitor to Generali Italia across virtually all retail and commercial lines in Italy.
• Allianz Italia (Allianz S.p.A.): Italian subsidiary of Allianz SE, offering a comparable full-spectrum insurance portfolio (auto, home, health, life, pension) via agents and bancassurance. Directly competes with Generali Italia in the Italian multi-line insurance market.
• CNP Vita (CNP Assicura): Italian subsidiary of French CNP Assurances, specializing in life insurance and pension products distributed primarily through banking partnerships. Closely comparable to Generali Italia's life and pension business lines.

Broad incumbents

• Assicurazioni Generali S.p.A. (Parent): The listed parent group of Generali Italia and one of the world's largest insurance groups, operating across life, P&C, and asset management globally. While Generali Italia sits within the group, the parent's broader portfolio and multi-country footprint make it a relevant broader-market benchmark.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/generaliitalia
• YouTubeyoutube.com/user/GruppoGeneraliItalia
• Facebookfacebook.com/GeneraliItalia
• LinkedInlinkedin.com/company/generali-italia-assicurazioni
• Instagraminstagram.com/Generaliitalia

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries6 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 Generali Italia Assicurazioni