A Seven months postponement of the obligation of the anti -catastrophe policy expiring on March 31st. This is the proposal contained in an amendment of Fratelli d’Italia to the Bollette Decree in the Commission of the Chamber of the Chamber, with which the majority would be evaluating to postpone the deadline within which companies must sign insurance to cover the damage from natural disasters and catastrophic events.
An intervention asked on several occasions to the government from Confindustria, Confartigianato and Confesercenti, which would now be taken into consideration.
Catastrophic policies
The rule, which provides for the obligation for companies to enter into insurance policies to protect itself in the event of catastrophes, had been introduced with the Budget Law 2024 and should have come into force at the beginning of 2025, but was postponed to March 31 with the Milleproroghe decree.
The business associations have repeatedly asked for a further extension of the provision, at least 90 days according to Confindustria. Lastly, Confesercenti underlined the need to avoid the “race against time, especially for the approximately 1.5 million activities trade, tourism and services they exercise in a rental room “.
The measure establishes the duty of signing insurance contracts for events such as earthquakes, floods, landslides, floods and floods, to cover any damage to real estate, machinery or systems.
Policies can predict limits variables on the basis of the insured value:
- Up of 1 million euros the coverage reaches the entire amount
- From 1 million to 30 million euros, the compensation limit cannot be less than 70% of the insured sum
- Over 30 million euros or for large companies the value of the ceilings or the compensation limit is left to the negotiation of the parties
The catastrophic policy is directed to all “fixed assets”, from land to buildings, up to commercial and industrial equipment, of companies based in Italy and with registered office abroad, but registered in the Register of Companies and with a permanent organization in our country, except agricultural enterprises, which can already count on the national mutual fund for the coverage of the catastrophic damage damage.
Failure to insurance does not involve penalties, but would make the right to access a contributions, subsidies And public facilities.
The postponement
To date only companies in the sector of the Fishing and aquaculture They obtained a postponement as of 31 December 2025, but Fdi’s proposal would now aim to postpone the obligation to other types of activities.
The amendment, signed by the deputy Riccardo Zucconi, is aimed at “allowing the overcoming of the energy emergency without further charges for businesses”.
The Association of Insurance Agencies
Pending the government’s decision, the National Association of Insurance Companies said she was ready, ensuring through the words of President Giovanni Liverani that i prices will go down “In a short time”.
“We are ready to leave. For small realities we have already formed the cat cat, that is, a consortium between very agile companies. It is a flexible solution that adapts to needs and that allows access to insurance coverage otherwise not approaching. This will be accompanied by the SACE guarantee “, he explained, underlining how Italy” an undergoing country “.
