Insurance Business Model

The Unipol's business model represents the organisation’s system of transforming inputs through its business activities into outputs and outcomes that aims to fulfil strategic purposes and create value over the short, medium and long term.

Input capital

Business and technological khonw-how for the development of products. Profit testing in compliance with Solvency II directive. Certification of transparency, fairnss and value for Life-Investment products UnipolSai.
Consolidated network of partenrs in the integrated services chain. 31 partnerships for open innovation.  3.2 mln telematic boxes managed.
Local presence 33 thousand partners in the primary network.  670 brokerage firms.
Training Academy dedicated to the training of employees and agents.
Innovation € 20.3 mln invested in advanced software and applications.
Technology ICT infrastructure and advanced telematics instruments.
Financial performance Total volume of property assets managed: € 4.4 bln.  Total volume of assets managed:  € 62.7 bln.
Investments Proprietary investment models. Policies with ESG exclusion criteria.
Advances applications and processes for the selection and management of networks. Advanced software and applications. Distinctive processes and procedures for the selection and management of networks of authorised repair shops, medical facilities and affiliated craftsmen throughout the country.
Technology. ICT infrastructure and advanced telematics instruments.
PRODUCT CONSTRUCTION DEVELOPEMENT AND MANAGEMENT OF DISTRIBUTION CHANNELS SUBSCRIPTION AND MANAGEMENT OF POLICIES REAL ESTATE OUTWARD REINSURANCE FINANCE CLAIM MANAGEMENT LIFE SETTLEMENT INWARD REINSURANCE Asset Management Non-Life & Life Claim Management Premiums class="st21 st22 st17"
Product innovation. 18  new Non-Life products. 33 new Life products. 
Benefits from the integrated network. 2.3 mln policies subscribed with integrated Auto Presto & Bene services.
Efficient network in an integrated multichannel model. 57% agency network premiums. 29% Bancassurance premiums.
Growing knowledge skills and professionalism of the sales network. 30,500 participants to training activities. 2.2 hour of training per capita.
Sales and underwriting process innovation. 86,834 policies subscribed in 1,514 agencies.  Business instrument innovation.
Reputation and customer satisfaction. MVTPL retention rate 86.9% Assistance service speed.
Real estate development and refurbishment. Urban Up.
Relations with the community and with stakeholders. 57.1 mld amount of assets deemed sustainable following monitoring.
Profitability of financial management.
Settlement process innovation. 66.3 mln ”crashes” managed via telematics.
Reputation and customer satisfaction. 85.5% Retention for Auto Presto & Bene customers. 20,099 complaints managed in 2016.

Output capital