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Il Broker - BORGHINI E COSSA
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Con la personalizzazione di un Broker indipendente

Con la personalizzazione di un Broker indipendente

Il rischio si teme la metà


Nel mondo assicurativo il broker è un consulente che affianca il cliente nell’analisi delle proprie necessità, seleziona le offerte del mercato e promuove le coperture più idonee.

Professionalità e indipendenza.

Professionalità e indipendenza sono le caratteristiche fondamentali che rendono il broker un partner indispensabile dell'assicurato. Professionalità per assistere il cliente nell’analisi, nella stipula e successiva gestione delle polizze e nella definizione dei sinistri. Indipendenza per esaminare, senza alcun vincolo e in piena libertà, le offerte e le disponibilità delle varie Compagnie di Assicurazioni.

L’art. 1 della legge n. 792 del 28 novembre 1984 (oggi abrogata dal “Codice delle Assicurazioni Private” - D. Lgs. N. 209 del 07/09/2005) definiva così il broker: "Chi esercita professionalmente attività rivolta a mettere in diretta relazione con imprese di assicurazione, alle quali non sia vincolato da impegni di sorta, soggetti che intendano provvedere con la sua collaborazione alla copertura dei rischi, assistendoli nella determinazione del contenuto dei relativi contratti e collaborando alla loro gestione ed esecuzione".

Per esercitare l'attività di broker la normativa richiede, oltre a severi requisiti di onorabilità (art.110, comma 1, Codice delle Assicurazioni Private), di professionalità (art.110, comma 2, Codice delle Assicurazioni Private), di formazione (artt. 17, 21 e 42 Regolamento Isvap n. 5/2006) e aggiornamento professionale (art. 7, Regolamento Ivass 6/2014), l'obbligo di stipulare un’idonea polizza di Responsabilità Civile Professionale (art.110, comma 3, Codice delle Assicurazioni Private) per negligenze ed errori professionali, di aderire ad un apposito Fondo di Garanzia tenuto presso la Consap (Concessionaria Servizi Assicurativi Pubblici S.p.A.) e, infine, la “separazione patrimoniale” secondo cui “i premi pagati all’intermediario e le somme destinate ai risarcimenti o ai pagamenti dovuti dalle imprese di assicurazione, se regolati per il tramite dell’intermediario, sono versati in un conto separato, del quale può essere titolare anche l’intermediario espressamente in tale qualità, e che costituiscono un patrimonio autonomo rispetto a quello dell’intermediario medesimo” (art. 117, comma 1, Codice delle Assicurazioni Private). L’art. 117, comma 3bis, Codice delle Assicurazioni Private esenta “dagli obblighi previsti dal comma 1 dell’articolo 117 Codice delle Assicurazioni gli intermediari che possono documentare in modo permanente con fideiussione bancaria una capacità finanziaria pari al 4,00% dei premi netti incassati, con un minimo di € 15.000,00”.


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