Mandatory insurance against natural catastrophes
Companies with a registered office or permanent establishment in Italy must insure land, buildings, plant and equipment against floods, landslides, earthquakes and overflows. Companies that fail to insure cannot access public grants and incentives.
At a glance
- Legal reference
- Law 213/2023, Art. 1(101–111) · Decree-Law 39/2025
- Jurisdiction
- Italy
- Area
- Italy: national requirements
- Status
- In force
- Last reviewed
- Official text
- Normattiva · L. 213/2023 ↗
Every date for Catastrophe insurance
- Obligation for large companies
- Obligation for medium-sized companies
- Obligation for small and micro enterprises
All companies entered in the Companies Register, with different deadlines by size (agricultural businesses excluded).
How we helpSubsidised Finance & Grants →- 01Check cover on capital goods
- 02Keep the policy: it is a condition for accessing calls for funding and incentives
Frequently asked questions on Catastrophe insurance
Companies with a registered office or permanent establishment in Italy must insure land, buildings, plant and equipment against floods, landslides, earthquakes and overflows. Companies that fail to insure cannot access public grants and incentives.
All companies entered in the Companies Register, with different deadlines by size (agricultural businesses excluded).
31 Mar 2025: Obligation for large companies; 1 Oct 2025: Obligation for medium-sized companies; 31 Dec 2025: Obligation for small and micro enterprises.
All known deadlines have already passed: the rule is fully operational and compliance must be maintained over time.
Check cover on capital goods; Keep the policy: it is a condition for accessing calls for funding and incentives.
Other rules in the same area
Which of these rules really affect your business?
In 60 minutes, free of charge, we cross-reference your sector, size, products and markets with this timeline and tell you which obligations apply to you, by when, and where to start.