# Opermax

> Insurance agency management software for independent Italian agencies

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Trieste, Italy |
| Founded | 1996 |
| Stage | Established |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

Opermax is an insurance agency management platform for independent P&C and Life & Annuity agencies in Italy. Developed by Paneura, a Trieste-based software company founded in 1996, the platform helps agencies maintain commercial independence from carrier-proprietary systems by centralizing client records, policies, and operations across multiple insurer relationships.

The platform is delivered as a web-based SaaS suite of six modules covering CRM, document archiving, cash reconciliation, commission management, fiscal accounting, and automated regulatory document generation. OPERMAX connects in real time with distribution systems from Italian and international carriers including Allianz, Unipol, Groupama, Aviva, HDI, and Zurich, allowing agencies to maintain a unified multi-carrier client portfolio.

Paneura serves small to mid-size Italian insurance agencies seeking local support and tools built for Italian regulatory requirements. The company provides automated generation of pre-contractual documents (Annex 3 and Annex 4) as required under Italian insurance law. No external venture funding has been documented; the company has operated on a self-funded basis since 1996.

## Products & services

### OPERMAX

Multi-company CRM and policy database allowing insurance agencies to manage client and policy records across portfolios from multiple carriers, brokers, and agency networks. Provides real-time connectivity with insurance carrier distribution systems.

**Key features:**

- Unified multi\-carrier client and policy record management
- Real\-time integration with insurance carrier distribution systems
- Support for multi\-company and multi\-agency network structures

*Target users:* Independent insurance agencies managing multiple carrier relationships

### OperDoc

Digital document archiving and retrieval module for client file management.

**Key features:**

- Document storage in PDF, JPG, and DOC formats
- Centralized archive for policy and client documentation
- Document retrieval and organization tools

*Target users:* Insurance agency staff

### Gestione Cassa

Daily cash reconciliation and liquidity management module, available since at least 2002.

**Key features:**

- Daily cash flow tracking and reconciliation
- Liquidity monitoring and financial oversight
- Integration with agency accounting workflows

*Target users:* Agency accountants and office managers

### 2PRO

Commission and compensation calculation system for producers and multi-agent scenarios.

**Key features:**

- Automated commission calculation for producers and collaborators
- Multi\-agent compensation management
- Payroll and accounting system integration

*Target users:* Agency managers and producers

### STEP

Fiscal and general accounting software with balance sheet preparation.

**Key features:**

- General ledger and fiscal accounting
- Balance sheet and financial statement preparation
- Regulatory financial reporting support

*Target users:* Insurance agency accountants

### Documentazione Precontrattuale

Automated generation of pre-contractual regulatory documents required by Italian insurance regulations.

**Key features:**

- Automated Annex 3 and Annex 4 document generation
- Suitability questionnaire automation
- Pre\-contractual compliance documentation for Italian insurance law

*Target users:* Agency compliance staff and licensed agents

## Category & focus

- Subcategories: Agency Management System, Commission Management, Document Management
- Insurance verticals: P&C Personal, P&C Commercial, Life & Annuity
- Target customers: Agents/Agencies

## Notable customers

- Agostino Zaccarini Agency \(Allianz Cremona Monteverdi, Cremona\)
- Michela Mugherli Agency \(Pordenone Centro and Friuli Centrale, Pordenone\)

## Links

- Website: <https://www.opermax.it>
- Directory profile: <https://insurtechlist.com/companies/opermax/>
- Company: <https://www.paneura.com>
- Linkedin: <https://www.linkedin.com/company/paneura>

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*Last updated: 2026\-07\-11*