Reshaping the future

We are responsible for improving our customers’ quality of life by proposing solutions for the protection, support and realisation of their projects. We pursue efficient, profitable and sustainable business management over time, based on the contribution and empowerment of our people.

In line with this identity, we defined the Charter of Values and the Code of Ethics together with all employees and representatives of the agency network, to promote concrete conduct that the entire Company, starting from its Directors and Managers, must adopt in relation to its stakeholders, internal and external.

Our value chain

Unipol’s business model clearly highlights the most important functions that characterise the insurance business in order to create value that is sustainable over time for the benefit of all its stakeholders. The image shows the types of capital (in accordance with the model defined by the IIRC - International Integrated Reporting Council) that Unipol values by developing its business activities and the benefits it generates for shareholders, customers, the community, the environment and all key stakeholders.   

input capitals
value chain
output capitals
Corporate departments
Control departments
Staff management
Information Systems, Research & Development
Purchases & Logistics
Technical business / product provision
Finance / loans
Real estate
Commercial marketing, distribution
Post-sales management / settlement / debt recovery

Stakeholder Engagement



The Group cultivates a constant relationship of listening and monitoring in relation to customer needs through various instruments:

  • the Unipol Regional Councils (CRU) formed by representatives of partner organisations (employees’ organisations, trade union confederations, the self-employed, small and medium-sized member companies and cooperatives) meet up on a regular basis with local Unipol managers to discuss issues of common interest. To increase the importance of CRUs in the relationship with the Group, each year an institutional meeting is held with Top Management, where the programmatic and strategic guidelines of the business are discussed and shared;
  • the initiatives of the “Welfare, Italia” Project, which in 2015 united an audience of institutional decision-makers, directors, businesses and experts to discuss the potential of the White Economy, the supply chain of public and private activities related to the care and welfare of people. 
  • customer satisfaction activities, carried out for the individual Group Companies during the main stages of contact with customers, in order to clarify any critical aspects and identify suitable corrective actions.


A relationship characterised by privileged dialogue and frequent consultation, in order to build an effective partnership instrumental for achieving the declared strategic objectives. 

Each year initiatives open to the entire agency network are organised to share the development guidelines and their operational application.

In addition to formal meetings, active discussion groups are held with representatives of the 8 Agent Groups regarding the sharing and discussion of the main Group initiatives impacting the sales network (e.g. product development, marketing initiatives, improvement of business processes).


A relationship characterised by transparency, fairness and simplification.

The Group Purchasing policy is aimed at encouraging the creation of measurable value in the development of synergies and integration opportunities in terms of risk management, cost containment and social and environmental impact. The guidelines apply to all Group Companies.

The Group’s primary suppliers are regularly and thoroughly checked, monitored and selected according to a partnership and long-term relationship logic that is expressed in the Supplier Portal.

The Supplier Portal shows the general financial state of the companies registered and partners meeting the professional, economic and financial, as well as technical and organisational requirements that ensure alignment with corporate policies. The Group’s commitments to Sustainability are specified and explained within the Portal.

All buyers are made aware of the ethical and social responsibility requirements for purchasing, and integrate them in the procedures for assessing and measuring suppliers based on transparency, fairness and reliability.

Future generations

The Group focuses on Future Generations, with a view to intergenerational equality and farsightedness, undertaking to ensure the economic, environmental and social sustainability of its actions. In order to listen to the needs of young people, the Unipol Group is committed to making room for the best minds and passing on a solid and sound business to Future Generations, with the best guarantees for continuity and wellbeing.

Civil Society

The Group actively cooperates with schools, universities, cultural institutions, social and non-profit organisations, public administrations and institutional and representative bodies to develop social and civil growth objectives.
Its relationship with these entities engages the Group in dialogue and involvement in the co-planning of initiatives regarding issues considered to be of value for the communities themselves, aimed at supporting balanced growth and the greater distribution of wellbeing, security and prevention, as well as the rational use of all resources.


There is a constant exchange with financial analysts and proactive dialogue with shareholders and potential investors.

Investor relations activities, conducted individually and jointly between Unipol Gruppo Finanziario and UnipolSai, include a series of periodic meetings with institutional investors and brokers, road shows and conferences. 


Involvement, sharing values and professional development are key levers for promoting employees’ sense of belonging to the Company and directing their energy towards successfully facing the major challenges that await in the near future.

In light of this, it is a Group priority to improve the corporate environment by investing in the satisfaction of the roles performed by employees, in the balance between work life and private life and in greater confidence in the performance of duties. Training and refresher programs form part of this environment aimed at promoting intergenerational cooperation and internal mobility: these objectives are reinforced through the creation of the Unipol Corporate Academy, the training centre for the entire Group.