Broker assicurazioni: i principali broker, gli obblighi nei confronti dei contraenti

Broker assicurazioni: ai sensi del Regolamento n. 5 Isvap del 2006  sono “mediatori o broker” gli intermediari che agiscono su incarico del cliente e che non hanno poteri di rappresentanza di imprese di assicurazione o di riassicurazione.

Principali broker assicurazioni operanti su tutto il territorio italiano:

AEC Broker –
Aon –
Assiteca –
Broker Credit – –
Cambiaso & Risso e C. Assicurazioni –
E.I.B. Consortium –
General Brokers –
GPA – Assiparos –
Interstudio –
Mansutti –
Marsh –
Pca –
Poseidon –
Pulsar Group –
Schinasi –
Steffano –
Viras International Insurance Broker –
Willis –

Per poter esercitare la professione è il broker assicurazioni deve essere regolarmente iscritto alla Sezione B – Broker del Registro Unico degli Intermediari assicurativi e riassicurativi.

Il broker assicurazioni che si avvale di addetti operanti all’esterno dei propri locali deve iscriverli nella sezione E del Registro Unico degli Intermediari assicurativi e riassicurativi.

Non è necessario procedere all’iscrizione nella sezione E dei collaboratori e/o dipendenti che operano all’interno dei locali del broker assicurazioni. Tuttavia gli stessi devono essere in possesso dei medesimi requisiti di onorabilità e professionalità previsti per l’iscrizione nella sezione E (cfr. art. 42 Regolamento ISVAP n. 5/2006).

Prima di far sottoscrivere una proposta o, qualora non prevista, un contratto di assicurazione, l’intermediario deve consegnare al contraente:

  • copia di una dichiarazione conforme al modello “Comunicazione informativa sugli obblighi di comportamento cui gli intermediari sono tenuti nei confronti dei contraenti conforme all’allegato 7A del Regolamento Isvap 5/2006;
  • copia di una dichiarazione conforme al modello “”nformazioni da rendere al contraente prima della sottoscrizione della proposta o, qualora non prevista, del contratto” conforme all’allegato 7B del Regolamento Isvap 5/2006;
  • la documentazione precontrattuale e contrattuale.

L’Isvap ha predisposto un focus su:

  • Requisiti per l’iscrizione
  • Modalità di iscrizione
  • Operatività
  • Adempimenti annuali
  • Obblighi di comunicazione da parte degli intermediari
  • Informativa precontrattuale
  • Aggiornamento professionale
  • Passaggio di sezione
  • Collaboratori
  • Estensione dell’attività in altri Stati membri dello SEE
  • Cancellazione dal registro
  • Reiscrizione

Al pari degli agenti di assicurazione anche i broker assicurativi fanno da tramite tra l’assicurato e il mercato assicurativo. La differenza risiede nel fatto che, mentre gli agenti di assicurazione sono legati ad una compagnia specifica da un mandato, il broker assicurativo svolge la propria attività in maniera indipendente dalle compagnie di assicurazioni.


Paolo D'Agostino
Progettista corsi di formazione in videoconferenza ed e-learning settori assicurazioni e compliance aziendale

6 Commenti alla news “Broker assicurazioni: i principali broker, gli obblighi nei confronti dei contraenti”

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