Opermax

Insurance agency management software for independent Italian agencies

Distribution & Sales Established 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

At a Glance

Founded: 1996
Headquarters: Trieste, Italy
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Distribution & Sales
Subcategories: Agency Management System Commission Management Document Management
Insurance Verticals: P&C Personal P&C Commercial Life & Annuity
Target Customers: Agents/Agencies