# Yolo

> Digital insurance distribution platform enabling phygital and embedded insurance for carriers, banks, and retailers

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Milan, Italy |
| Founded | 2017 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Public |

## Overview

YOLO Group is a digital insurance distribution platform and brokerage operator based in Milan, Italy, serving carriers, financial institutions, and retailers across the B2B2C insurance value chain. The company offers a technology platform that enables partners to distribute insurance products through digital and phygital channels, including online, banking, and retail point-of-sale environments. YOLO was the first Italian insurtech operator listed on Euronext Growth Milan, achieving that milestone in 2022.

The YOLO Insurtech B2B platform provides data management, end-to-end operations, an integrated marketplace, customer engagement tools, and a remarketing engine. Partners can integrate with the platform through APIs with customized configurations and fast turnaround times. In 2025, YOLO added YO, an AI-powered agent for insurance assistance in phygital and digital distribution contexts. The platform integrates with Guidewire and financial institution partner systems.

The company manages approximately 1 million policies annually and EUR 25.8 million in premiums through its group digital platforms (2025, up 112% year-over-year). Total group revenues reached EUR 13.6 million in 2025 (39% growth). The company operates multiple subsidiary brands including AllianceInSay (automotive insurance brokerage), RC Polizza.it (SME insurance), and YOLO Insurance Network for independent agents and brokers.

## Products & services

### YOLO Insurtech \(B2B2C Platform\)

Technology platform enabling insurance companies, financial institutions, and retailers to distribute insurance products through digital and phygital channels.

**Key features:**

- Data management and end\-to\-end operations
- Integrated marketplace for multi\-carrier product distribution
- Customer engagement and remarketing engine
- API\-based integrations with insurance platforms and financial systems
- High degree of customization for partner channels

*Target users:* Insurance carriers, banks, retailers

### YOLO Insurance Broker

Direct-to-consumer digital insurance marketplace offering home, pet, legal protection, health, sports, and travel insurance products in a fully digital purchase flow.

**Key features:**

- Range of insurance categories from EUR 2\.50/day
- Fully digital purchase process
- Physical channel option for phygital distribution

*Target users:* Individual consumers

### AllianceInSay

Digital broker focused on the automotive insurance sector. Intermediated EUR 7.6 million in automotive premiums in 2025 (up 50% from EUR 5.1 million in 2024).

**Key features:**

- Automotive\-specific insurance products
- Digital broker model with rapid policy issuance

*Target users:* Individual and commercial vehicle owners

### RC Polizza\.it

Digital broker platform focused on SME commercial insurance products, enabling rapid procurement of business insurance solutions.

**Key features:**

- SME\-focused insurance catalog
- Streamlined digital procurement process

*Target users:* Small and medium enterprises

### YO \(AI Agent\)

AI-powered insurance assistant introduced in 2025 for phygital and digital channel insurance distribution.

**Key features:**

- Automated insurance guidance and distribution
- Designed for both digital\-only and hybrid phygital environments

*Target users:* Insurance distribution partners and end consumers

### YOLO Insurance Network

Platform assisting independent agents and brokers to expand their insurance product portfolio and simplify operational management.

**Key features:**

- Expanded product access for independent agents
- Operational management tools for brokers

*Target users:* Independent agents and brokers

## Category & focus

- Subcategories: Digital distribution, Embedded insurance, B2B2C platforms, Bancassurance
- Insurance verticals: P&C Personal, P&C Commercial, Specialty/E&S
- Target customers: Carriers, Brokers, Agents/Agencies, Consumers

## Notable customers

- Guidewire \(technology integration partner\)
- Intesa Sanpaolo \(institutional investor and distribution partner\)
- Generali Italia \(shareholder\)

## Links

- Website: <https://yolo-insurance.com>
- Directory profile: <https://insurtechlist.com/companies/yolo/>
- Linkedin: <https://www.linkedin.com/company/the-yolo-group>
- Investor relations: <https://yolo-insurance.com/site/en/investor-relations-the-governance/>

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*Last updated: 2026\-06\-30*