Legal protection, market accelerates to over 700 million in 2025 (+4.6%)

Despite these numbers, the level of penetration of the class in Italia is still much lower than in the main European markets. In the United Kingdom, the weight of legal protection on the non-life segment is about double that of Italia; in France it exceeds 3%; in Germany it is close to 6%. This is a sign that in our country there remains ample room for development, linked above all to the spread of the culture of insurance protection. "To really spread the concept of Legal Protection policies in Italia," explains Daniela D'Agostino, Chief Property&Casualty Officer Unipol Assicurazioni, "it could be useful to work on several factors: cultural, practical and communication. Often people perceive the need for Legal Protection only when the problem arises. First of all, one should invest in simplifying insurance and legal 'education', starting with practical examples of use such as criminal defence for traffic accidents, problems with employers, condominium disputes, disputes over online purchases. This could contribute to a better perception of the advantageous cost-benefit ratio offered by such a guarantee, turning the cover into an everyday tool for personal protection. Legal protection should become an automatic corollary to covers such as motor TPL, home policies, family packages or association covers'.

For Alfredo Penna, General Manager of Uca Assicurazione, in order to bridge this gap it is 'necessary, first of all, to stop considering legal protection as a mere accessory cover, therefore eventual and not indispensable, forgetting that it is precisely through this specialist branch that it is possible to cover risks that would otherwise remain without insurance protection. We are thinking of civil and criminal proceedings that may involve companies, professionals and private individuals, or particularly complex and unfortunately increasingly frequent events, such as road homicide cases, which may affect each and every one of us'.

"A criminal proceeding for violation of safety regulations, an environmental dispute, a cyber attack, or a labour dispute," emphasises Giovanni Grava, managing director of Tutela Legale Spa, which with almost 22 million premiums and 18.4% growth, confirms its 11th place in the market, "can put a company under pressure long before a possible conviction. Modern legal protection must intervene precisely at this stage, protecting not only assets, but also business continuity and corporate reputation. Businesses are no longer just asking for cover for legal costs; they are asking for tools to help them manage complexity, capable of adapting to the new risks and vulnerabilities of the contemporary business'.