Cooperativa Insieme
Cooperativa Insieme is an Italian cooperative insurance intermediary founded in 2009 in Modena that converts customers into member-owners to collectively negotiate auto, agricultural, ethical, catastrophic, cyber, and third-sector insurance with partner carriers, supplemented by welfare and energy programs.
- Company typePrivate
- Founded2009
- HeadquartersModena, Italy
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Cooperativa Insieme does
Cooperativa Insieme (legal entity: Insieme Società Cooperativa Benefit, DBA: Insieme Benefit) is an Italian cooperative insurance intermediary founded in 2009 and headquartered in Modena, Emilia-Romagna. It operates as a "cooperativa di utenza a mutualità prevalente," in which customers automatically become member-owners (soci) of the cooperative upon joining. Its core function is aggregating member demand and collectively negotiating insurance coverage, conditions, and pricing with partner insurance companies — primarily ITAS Mutua and Reale Mutua. The cooperative serves Italian cooperatives, social enterprises, third-sector organizations, agricultural producers, electric/sustainable mobility owners, and SMEs seeking ethical and tailored coverage.
The product portfolio is multi-line: motor liability (including specialized EV/quadricycle coverage), ethical policies (excluding harmful activities), mandatory catastrophic coverage (earthquakes, floods, landslides), agricultural insurance (crop, livestock, atmospheric events), cyber risk, and third-sector liability. Adjacent offerings include corporate welfare services through the Coop4welfare platform (launched 2022 with Valyouness/CIRFood and Confcooperative), supplementary health funds via Cooperazione Salute, and the Sinergika energy partnership with Dolomiti Energia (electricity and gas with social-purpose donations). The underlying technology is an insurance intermediation platform that manages collective contracts; a blockchain-based certification system was introduced in 2021 to certify business flows, and a dedicated Ufficio Rischi Speciali was established in April 2025 to handle complex/catastrophic risks under new legal mandates. The cooperative is the first European insurance intermediary certified as a B Corp (2018) and is listed on the IVASS White List (2023).
Revenue is generated primarily through commissions received from partner insurance companies on policies placed for members, with commissions publicly disclosed in annual financial statements. A nominal one-time social-capital quota of 25 EUR per member (refundable on withdrawal) is also collected. The cooperative employs only permanent salaried staff (tempo indeterminato) — no commissioned salespeople, no agencies — and grows primarily through cooptation, where new members are introduced by existing members or partner associations (Confcooperative, Confartigianato). Distribution is direct, community-led, and Italy-only, supported by webinars, events, and association partnerships.
Cooperativa Insieme firmographics
Firmographics- Name
- Cooperativa Insieme
- Legal name
- Insieme Società Cooperativa Benefit
- Website
- https://cooperativainsieme.eu
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cooperativa Insieme is an Italian cooperative insurance intermediary founded in 2009 in Modena that converts customers into member-owners to collectively negotiate auto, agricultural, ethical, catastrophic, cyber, and third-sector insurance with partner carriers, supplemented by welfare and energy programs.
- Ownership category
- akta.pro rank
Cooperativa Insieme industry classification
Industry- Product category
- Insurance Intermediation
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industry
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Cooperativa Insieme is headquartered
LocationHeadquarters
- HQ city
- Modena
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Cooperativa Insieme business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Intermediation Commissions: Insieme receives commissions from insurance companies for policies subscribed by members. These commissions are disclosed in publicly available financial statements accessible to all members. The cooperative may also receive direct compensation from members in specific cases of conventions and products with particular characteristics.
- Membership Quotas: A social capital quota of 25 euros (one-time payment) is required to become a member. This amount is returned upon withdrawal.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Membership quota for cooperative membership |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Cooperativa Insieme product offering
Product offeringCore offering
Cooperativa Insieme is a cooperative insurance intermediary that aggregates its customers into member-owners (soci) to collectively negotiate insurance coverage with partner insurance companies. The company distributes ethical insurance products including auto, agricultural, catastrophic, cyber, and third sector coverage, alongside corporate welfare services (Coop4welfare platform), supplementary health funds, sustainable mobility insurance for electric vehicles, and the Sinergika energy group-purchasing project. It operates exclusively with permanent salaried staff, without commissioned salespeople or external agencies.
Product overview
Insieme Benefit operates as a cooperative insurance intermediary that transforms customers into member-owners (soci), aggregating purchasing power to negotiate favorable terms with partner insurance companies. The portfolio consists of core insurance products (auto, agricultural, ethical, catastrophic, cyber, and third sector insurance) supplemented by welfare services including corporate welfare programs, supplementary health funds, sustainable mobility support, and energy programs. The cooperative model eliminates sales commissions and employs only permanent staff, with savings redirected to members. Key modules include the Coop4welfare platform for corporate welfare, Fondi Sanitari for health coverage, Sinergika for energy services, and a dedicated Rischi Speciali office for complex catastrophic coverage.
Differentiator
Problem solved
Functional benefit
Brands
- Coop4welfare: Corporate welfare platform developed in partnership with Confcooperative and Valyouness (CIRFood) to provide welfare services to cooperatives, associations, companies, and social networks.
- Sinergika
Products and services
- Polizze Etiche (Ethical Insurance) Insurance policies that cover socially positive activities and practices beneficial to communities and the environment, excluding harmful or unethical ventures. Targeted at cooperatives, associations, and socially responsible organizations.
- Polizze Catastrofali (Catastrophic Insurance) Mandatory insurance coverage against catastrophic events (earthquakes, floods, landslides) for businesses and properties, addressing new Italian legal requirements.
- Assicurazioni Agricole (Agricultural Insurance) Specialized insurance for agricultural sector covering crops, livestock, and farming income against weather disasters, with partnerships with Condifesa and support for traditional wine and vinegar producers.
- Rischi Cibernetici (Cyber Risk Insurance) Insurance coverage for cyber risks and data protection, addressing digital security needs for member businesses.
- Mobilità Sostenibile (Sustainable Mobility Insurance) Insurance and support services for electric vehicles, quadricycles, and light urban mobility, including group purchasing programs for electric vehicles like Desner Auto.
- Assicurazioni Terzo Settore (Third Sector Insurance) Insurance products specifically designed for cooperatives, social enterprises, and non-profit organizations including civil liability and asset protection.
- Polizze RC Auto (Auto Insurance) Motor vehicle liability insurance policies, including specialized coverage for electric and plug-in vehicles developed through partnerships with Class Onlus and industry working groups.
- Coop4welfare (Corporate Welfare Platform) Corporate welfare platform developed in partnership with Confcooperative and Valyouness (CIRFood) to provide welfare services to cooperatives, associations, companies, and social networks.
- Fondi Sanitari Integrativi (Supplementary Health Funds) Supplemental health insurance funds developed with Cooperazione Salute and CAMPA partners, providing healthcare benefits to members.
- Sinergika (Energy Group Purchasing Project) Joint energy project with Dolomiti Energia providing competitive electricity and gas rates to members, with solidarity donations of 10 euros per contract to social projects. Reached 870+ adhesions.
- Convenzioni (Agreements and Group Purchasing) Negotiated agreements and group purchasing programs offering members preferential rates on various services including energy, transportation, and business services.
- Ufficio Rischi Speciali (Special Risks Office) Specialized office unit handling catastrophic insurance policies and complex risks, established to address new legal insurance obligations.
Quantifiable outcome
- Better insurance conditions through collective negotiation with insurance companies
- +2 more outcomes
Companies that use Cooperativa Insieme
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
Cooperativa Insieme technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Cooperativa Insieme partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core, major and minor.
- ITAS MutuacorePrimary insurance company partner; Insieme acts as intermediary for ITAS Mutua policies. ITAS is a mutual insurance company applying a 'Tasso di Colletta' (assessment rate) system where members share in company performance.
- Reale MutuacoreJoint partner in the Premio Mutualità initiative to promote mutualistic projects and programs. Co-sponsor of 100,000 euro annual prize fund.
- Dolomiti EnergiamajorEnergy provider partnership through the Sinergika project offering competitive electricity and gas rates to members, with 10 euros per contract donated to social causes.
- ConfcooperativecoreParent cooperative organization providing revision, governance support, and network access. Confcooperative Terre d'Emilia conducts mandatory cooperative revisions.
- Class Onlus / E_MOBmajorPartnership for electric mobility advocacy. Insieme is the reference insurance partner for E_MOB national electric mobility conference. Collaborated on plug-in vehicle insurance working groups.
- Valyouness (CIRFood)majorWelfare services partner specialized in corporate welfare solutions. Jointly developed Coop4welfare platform for cooperative welfare services.
- Cooperazione SalutemajorHealth cooperative partner for supplementary health funds and welfare solutions for members.
- Confartigianato FerraraminorTrade association represented on Insieme's Board of Directors. Brings artisan and SME members to the cooperative.
- EcofuturominorEnvironmental organization hosting annual conferences on ecological topics. Insieme participates as partner and speaker.
- A.S. La Fratellanza 1874minorHistorical sports club in Modena. Insieme participates as partner in athletic events including Campionati di Società and Corrida di San Geminiano.
- PanSecminorCycling event organizer. Insieme supports the annual Panaro-Secchia gravel cycling event with proceeds supporting charitable projects.
- Desk ImpresaminorBusiness services partner providing free services to Insieme members including administrative and business support.
- Condifesa ModenamajorAgricultural defense consortium partner for crop insurance campaigns, offering coverage against atmospheric adversities.
- Cooperativa Sociale InTandemminorSocial cooperative beneficiary of the Sinergika project, receiving 10 euros per energy contract to support the UsciaMo project.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Cooperativa Insieme competitors and assessment
Company assessmentEmerging players
- Segugio.it: Italian insurance and financial product comparison platform owned by Gruppo MutuiOnline. Comparable as an Italian insurance distribution intermediary, though operating as a digital comparison marketplace rather than a member-cooperative model.
- Facile.it: Italy's largest insurance and financial services comparison platform. Comparable as an Italian insurance distribution intermediary enabling price comparison across carriers, though operating as a tech-led digital marketplace rather than a community-based intermediary.
- Prima Assicurazioni: Digital-first Italian insurance company offering motor insurance through a mobile-first proprietary platform. Comparable as a competing Italian insurance distributor, though leveraging proprietary technology and direct-to-consumer model versus Insieme's community-led cooperative approach.
Others
- Confcooperative: Italian cooperative federation providing governance, mandatory revision, and network access to Cooperativa Insieme. Comparable as an ecosystem enabler and direct partner in the Italian cooperative movement, though not a direct insurance competitor.
Broad incumbents
- ITAS Mutua: Italian mutual insurance company and primary insurance carrier partner for Cooperativa Insieme. Comparable due to its cooperative mutual structure (Tasso di Colletta) and Italian focus, though it underwrites policies directly as a carrier rather than serving as a member-led intermediary.
- Unipol Gruppo: Major Italian insurance and banking group with strong cooperative origins. Comparable as a large Italian insurer with cooperative heritage, though Unipol operates as a broad carrier across multiple lines versus Insieme's niche member-led intermediary focus.
- Reale Mutua: Italian mutual insurance company founded in 1828 and direct partner of Cooperativa Insieme in the Premio Mutualità initiative. Comparable due to its mutualistic structure and Italian member-focused mission, though it is a much larger underwriter rather than a member-led intermediary.
- Generali Italia: Largest Italian insurance carrier and part of the global Generali Group. Comparable as a major Italian insurance market participant operating across all lines, though as a broad incumbent global insurer rather than a specialized cooperative intermediary.
- Cattolica Assicurazioni: Italian insurance company with cooperative origins, now part of the Generali Group. Comparable as an Italian insurer with mutualistic heritage, though operating as a broad insurance carrier across many lines rather than as a member-driven intermediary.
Direct peers
- Cooperazione Salute: Italian health cooperative partnering with Cooperativa Insieme for supplementary health fund distribution. Comparable as another Italian cooperative organization serving members with mutualistic principles, though focused specifically on health rather than multi-line insurance intermediation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cooperativa Insieme social profiles
Digital presenceCooperativa Insieme compliance and trust
Trust signalCompliance6 records
Cooperativa Insieme financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cooperativa Insieme leadership team
Management profileNumber of profiles
Profiles4 records
Cooperativa Insieme funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cooperativa Insieme M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cooperativa Insieme
What does Cooperativa Insieme do?
Cooperativa Insieme is a cooperative insurance intermediary that aggregates its customers into member-owners (soci) to collectively negotiate insurance coverage with partner insurance companies. The company distributes ethical insurance products including auto, agricultural, catastrophic, cyber, and third sector coverage, alongside corporate welfare services (Coop4welfare platform), supplementary health funds, sustainable mobility insurance for electric vehicles, and the Sinergika energy group-purchasing project. It operates exclusively with permanent salaried staff, without commissioned salespeople or external agencies.
Is Cooperativa Insieme a public or private company?
Cooperativa Insieme is a private company. It is classified as management employee owned and is currently operating.
When was Cooperativa Insieme founded?
Cooperativa Insieme was founded in 2009. It employs 11 to 50 people.
Where is Cooperativa Insieme based?
Cooperativa Insieme is headquartered in Modena, Italy, in the Europe region.
How does Cooperativa Insieme make money?
Two revenue lines are on record. Insurance Intermediation Commissions are the primary driver. The others are membership Quotas.
Who are Cooperativa Insieme's main competitors?
Emerging players on record are Segugio.it, Facile.it and Prima Assicurazioni. Confcooperative is listed as an others. Broad incumbents are ITAS Mutua, Unipol Gruppo, Reale Mutua, Generali Italia and Cattolica Assicurazioni. Cooperazione Salute is listed as a direct peer.
Does Cooperativa Insieme have an API?
No public API is recorded for Cooperativa Insieme.
What industry is Cooperativa Insieme in?
Cooperativa Insieme's product category is Insurance Intermediation. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity). Its NAICS code is 524210 and its SIC code is 6411.