Business insurance at the speed of technology
Our AI agents request quotes from more than twenty carriers at once, and a broker reviews, binds and advises you along the way.
One platform to quote, manage, change and renew.
AI agents do the admin: reading wordings, requesting quotes, preparing documents. A broker reviews and advises you.
| Carrier | Annual premium | Deductible | Cover | Select |
|---|---|---|---|---|
| AXA XL | 12.400 € | 10.000 € | 100 % | Select |
| Chubb | 13.850 € | 15.000 € | 98 % | Select |
| Allianz | 14.200 € | 12.000 € | 97 % | Select |
| Zurich | 15.100 € | 20.000 € | 95 % | Select |
| Generali | 16.400 € | 25.000 € | 92 % | Select |
Need to add or remove something? Just ask.
You describe the change in your own words. Italica maps it to the right policy and files the change with the carrier. We keep you informed and advise you throughout.
I need to add a new 150 m² office at 2 Padilla Street, Madrid, to my multi-risk policy.
Adding it to the multi-risk policy with Zurich. For the endorsement I need two documents:
- Lease agreementUploadReceived
- Floor plan or surface areaUploadReceived
Endorsement sent to Zurich. I will let you know when they confirm, usually within 24 to 48 hours.
All your policies, under control.
Every policy in one place, with its status, limits and documents. And we review your risk continuously, so your cover stays in line with what you actually do as your company evolves.
- 7
- active
- 1
- expiring soon
- 186 K€ −7 %
- premium YTD · vs. 2025
- Directors & OfficersAXA XL24,6 K€Exp. Mar 2027Active
- Professional liabilityChubb18,2 K€Exp. Nov 2026Renewing
- FleetAllianz41,5 K€Exp. Jan 2027Active
- Multi-riskZurich27,3 K€Exp. May 2027Active
Missing something? Italica flags it.
No cyber policy: you hold client data with no cover.
Risk 68 out of 100
Renewal time? Italica handles it.
Sixty days before expiry, the agents go back to market: they request quotes from your current carrier and the alternatives and present you the best options. You approve with one click.
| Carrier | New premium | vs. current |
|---|---|---|
| Chubb (current) | 3.800 € | 0 % |
| AXA XL | 3.160 € | −17 % |
| Allianz | 3.420 € | −10 % |
| Zurich | 3.650 € | −4 % |
- 60 days before: alert and market scan
- Quotes collected from 5 carriers
- Reviewed by your broker
- One click to renew
Insurance due diligence.
We collect the documents. We analyse the full policy pack, reconcile cover against the real assets and flag every gap by severity with its cost to close.
- CyberNo policy. The company holds client data.Critical68
- General liability€2M limit. Recommended: €5M.High45
- Property damageCover adequate for the declared assets.Low22
- D&OLimit adequate for the board size.Up to date18
Weeks of emails, in one place.
- 0 h
- to your first quote
- 0+
- carriers quoted at the same time
- 0 days
- ahead of every renewal
Everything your company needs.
Contact- Directors & Officers (D&O)Protects the personal assets of the people who make the decisions.
- Professional liability (E&O)When the service fails and the client claims.
- CyberIncident response, extortion and business interruption.
- Employment practices liability (EPL)Claims from your own team over dismissal, harassment or discrimination.
- General liabilityThird-party injury and damage wherever you operate.
- Excess & umbrella liabilityHigher limits on top of your liability policies.
- Commercial multi-riskOffices, equipment, stock and the income they generate.
- Fleet & transportVehicles, cargo and everything in motion.
- Health insurancePrivate healthcare for your team, tax-free in Spain up to €500 a year per person.
- Life insuranceA lump sum for the family of everyone on your team. Many collective agreements require it.
- Crime & fraudTheft, impersonation scams and employee dishonesty.
- Media liabilityDefamation, copyright and trademark claims over what you publish.
- Fiduciary liabilityMistakes managing your team's pension and benefit plans.
- W&I for acquisitionsSPA warranties and indemnities covered by an insurer.
A broker rebuilt from the ground up.
Straight answers.
How much does it cost?
Nothing beyond the premium. Asking for a quote is free and with no commitment. Like every broker, we earn a commission from the insurer when a policy is bound, and you see it in every proposal.
How fast can I be covered?
We send you your first quote within 48 hours of receiving your documents. Simple lines bind the same week. Complex programmes take longer, and you will know where they stand.
Which coverages do I need?
It depends on your industry, your size and your contracts. We go through it in the first conversation and tell you what is mandatory, what is recommended and what can wait.
How are you different from a traditional broker?
We do the same work, with AI: we prepare the submission, go to more than twenty carriers at once and keep track of your policies all year. That is why we are faster and cost less.
What happens if I have a claim?
You tell us in the chat and we handle it with the insurer until it pays out. You always know where it stands.
I already have a broker. Can I switch?
Yes. We review your current policies free of charge and tell you plainly whether we can do better.
What is insurance due diligence?
A review of a company's policy pack before buying or selling it: what is covered, what is missing and what it would cost to close. We collect the documents and deliver the report ready for the SPA.
Where are you licensed?
Italica is an independent insurance broker registered with the DGSFP in Spain, passported to operate across the European Union.
