
99bros is a digital insurance brokerage platform based in Italy that targets Millennials and Gen-Z with instant and fully digital insurance policies. It offers a wide range of insurance products including health and pension plans, sports and pet insurance, travel and vacation coverage, auto and mobility policies, and home and property insurance. The company differentiates itself by focusing on customer attention, transparency, and digitalization, using AI-driven robo advisors and streamlined processes to simplify insurance subscription, payment, claims management, and support. 99bros aims to become the trusted insurance consultant for millions of families, emphasizing complementary private pension solutions to address the inadequacies of the public pension system. It operates as a broker registered with IVASS and the Rome Chamber of Commerce, providing a curated selection of top insurance products from major companies in the market. The platform supports customers with free guides and personalized consultancy via chat or in person, enhancing customer satisfaction and engagement.

99bros is a digital insurance brokerage platform based in Italy that targets Millennials and Gen-Z with instant and fully digital insurance policies. It offers a wide range of insurance products including health and pension plans, sports and pet insurance, travel and vacation coverage, auto and mobility policies, and home and property insurance. The company differentiates itself by focusing on customer attention, transparency, and digitalization, using AI-driven robo advisors and streamlined processes to simplify insurance subscription, payment, claims management, and support. 99bros aims to become the trusted insurance consultant for millions of families, emphasizing complementary private pension solutions to address the inadequacies of the public pension system. It operates as a broker registered with IVASS and the Rome Chamber of Commerce, providing a curated selection of top insurance products from major companies in the market. The platform supports customers with free guides and personalized consultancy via chat or in person, enhancing customer satisfaction and engagement.
What: Digital-first insurance broker (insurtech) targeting Millennials & Gen‑Z
HQ / Founded: Rome, Italy — 2020
Product: Fully digital policy selection and purchase with AI-driven coverage suggestions and optional human consultants
Regulation: Registered insurance broker (IVASS RUI B000722520)
Funding: Pre-seed: €200,000 (LVenture Group and Lazio Innova)
Simplifying selection and purchase of insurance products for younger consumers and expanding access to private pension and complementary coverage.
2020
Insurtech / Insurance
€200,000
Lazio Innova subscribed approximately €80,000 via four "strumenti finanziari partecipativi"; investment linked to LVenture Group – Luiss Enlabs accelerator participation.
“Pre-seed backing from LVenture Group (via Luiss Enlabs) and Lazio Innova (Innova Venture)”