Yolo

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

Distribution & Sales Growth 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

At a Glance

Founded: 2017
Headquarters: Milan, Italy
Employees: 11-50
Funding: Public

Category & Focus

Category: Distribution & Sales
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