The technology company accessible from any touchpoint
Bene Assicurazioni was founded in 2016 thanks to the entrepreneurial initiative of Andrea Sabìa, who 
holds the role of CEO. From the onset, the project has been based on the principles and values of enterprises oriented towards the common benefit, a value identity of Bene which, together with the other companies of the Group, has acquired the legal status of Benefit Corporation, immediately integrating into its mission social and cultural impact objectives alongside economic ones.
In 2017, having obtained authorization from IVASS, the company began operating on the retail market, with a first five-year industrial plan focused on creating the platform and the distribution network and developing the product portfolio. As Andrea Sabìa, CEO of Bene Assicurazioni, recalls, “when we successfully closed the first cycle, we realized that it was time to move from the ‘start-up’ phase to ‘scaling up’. To do so we needed a partner with a long-term vision and an institutional profile: the encounter with Italmobiliare was the key element that allowed us to build the second five-year plan on solid foundations.”
The entry of Italmobiliare into the share capital, which took place in 2022, gave further impulse to the development of Bene Assicurazioni, which has an omnichannel business model focused on products for private customers, professionals and small businesses. From an operational point of view, Sabìa defines the Company as a platform company: “we are a tech company: we have dematerialized every process, we no longer print paper contracts, physical policies no longer exist. Ours is a completely digital proposition, built on an open insurance platform that connects agents, online customers and industrial partners.” This digital ecosystem is, in Sabìa’s words, “our real strategic asset and the organizational structure reflect this vocation. Around 40% of our employees work in the technological area, a share that is much higher than the standards of the sector.” Alongside this dimension there is a deeply data-driven model, designed to ensure rapid decisions, accurate pricing and closeness to customers.
The offer is organized into three main areas – Mobility, Personal and Commercial & Business – with solutions designed for different purchasing behaviours and a differentiated proposition based on the needs of customers in each specific channel. “We are reachable from any touchpoint – Sabìa explains –. Customers who need advice can turn to the agents of one of the 480 agencies throughout the country, while those who are interested only in purchasing can instead do so in real time on our website. The third pillar is a partnership model in which we make license, capital and technological platform available to develop, together with our qualified partners, co-designed solutions that integrate the respective competences and broaden the value proposition for their customers.” This business model makes it possible to cover the entire national territory and intercept all mobility and protection needs for families, professionals and SMEs.
The success of this strategy is evident from the results achieved in recent years by Bene Assicurazioni, which between 2021 and 2024 recorded revenues increasing at a compound annual growth rate of 30%. Over the period, gross premiums rose from 100 million to almost 300 million euro and customers more than doubled, exceeding 500,000, with over 850,000 policies in force at the end of 2024.
Looking to the future, Bene aims to continue this extraordinary growth, further investing in the technological platform and talents, strengthening the agency network and expanding collaboration with industrial and commercial partners. “We are ready to inaugurate our new phase of development, which I define as the ‘growing phase’ – Sabìa concludes – supported by a solid and innovative model, founded on the trust of shareholders, partners and customers and on the mission as a Benefit Corporation, we aim to expand our presence on the Italian market with the ambitious goal of reaching our first one million active customers.”