{"id":246281,"date":"2026-03-19T15:25:47","date_gmt":"2026-03-19T15:25:47","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=246281"},"modified":"2026-03-19T15:25:47","modified_gmt":"2026-03-19T15:25:47","slug":"fratii-dan-si-marius-stefan-alaturi-de-narcis-pavalascu-duc-afacerea-autonom-protect-pe-piata-europeana-de-asigurari-cu-un-vehicul-care-emite-polite-de-garantii-si-in-romania","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=246281","title":{"rendered":"Fra\u0163ii Dan \u015fi Marius \u015etefan al\u0103turi de Narcis P\u0103v\u0103la\u015fcu duc afacerea Autonom Protect pe pia\u0163a european\u0103 de asigur\u0103ri, cu un vehicul care emite poli\u0163e de garan\u0163ii \u015fi \u00een Rom\u00e2nia"},"content":{"rendered":"<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">Autonom Protect, compania de asigur\u0103ri fondat\u0103 \u00een 2022 de antreprenorii Narcis P\u0103v\u0103la\u015fcu, Dan \u015etefan \u015fi Marius \u015etefan, \u015fi-a deschis o nou\u0103 filier\u0103 european\u0103: Autonom Protect Greece, o entitate \u00eenregistrat\u0103 \u00een Grecia care poate emite poli\u0163e de garan\u0163ii \u015fi \u00een Rom\u00e2nia. Noua structur\u0103 lucreaz\u0103 cu asigur\u0103torul belgian Accelerant Insurance Europe, o companie cu rating de excelen\u0163\u0103 acordat de agen\u0163ia AM Best \u015fi listat\u0103 la Bursa de la New York. \u00cen trei luni de activitate, vehiculul a semnat contracte cu peste 80% din brokerii specializa\u0163i pe garan\u0163ii din Rom\u00e2nia.<\/span><\/p>\n<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">\u00cen prezent, Autonom Protect Greece reprezint\u0103 exclusiv Accelerant pe clasa de garan\u0163ii (clasa 15) \u00een Rom\u00e2nia. Pentru 2026, lucr\u0103m la extinderea pe noi linii de business \u2014 property, engineering, liability.<\/span><\/p>\n<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">De ce Grecia? Pentru c\u0103 legisla\u0163ia european\u0103 permite ca o companie de tip MGA (Managing General Agent) \u00eenregistrat\u0103 \u00eentr-un stat membru UE s\u0103 opereze \u00een orice alt\u0103 \u0163ar\u0103 din Uniune, f\u0103r\u0103 a fi obligat\u0103 s\u0103 deschid\u0103 un sediu local. Grecia ofer\u0103 un cadru de reglementare favorabil pentru astfel de structuri, iar prin mecanismul european numit Freedom of Services, poli\u0163ele emise acolo sunt perfect valabile \u015fi \u00een Rom\u00e2nia \u2013 cu condi\u0163ia ca asigur\u0103torul din spatele lor s\u0103 fie autorizat, supravegheat \u015fi capitalizat corespunz\u0103tor.<\/span><\/p>\n<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">Autonom Protect Greece func\u0163ioneaz\u0103 pe modelul MGA, adic\u0103 nu este nici broker, nici asigur\u0103tor \u00een sine, ci un operator specializat care prime\u015fte de la un asigur\u0103tor \u2013 \u00een acest caz, Accelerant Insurance Europe \u2013 dreptul de a evalua riscuri, de a emite poli\u0163e \u015fi de a dezvolta produse pe un segment de ni\u015f\u0103. MGA-ul face partea tehnic\u0103 \u015fi comercial\u0103, \u00een timp ce riscul r\u0103m\u00e2ne pe umerii asigur\u0103torului. La nivel european, astfel de structuri gestioneaz\u0103 deja peste 50 de miliarde de euro \u00een prime brute subscrise, potrivit datelor din pia\u0163\u0103.<\/span><\/p>\n<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">Garan\u0163iile emise prin Autonom Protect Greece sunt destinate \u00een principal companiilor care particip\u0103 la licita\u0163ii publice \u015fi au nevoie de poli\u0163e de garan\u0163ie \u2013 fie pentru participare, fie pentru buna execu\u0163ie a unui contract, fie pentru plata \u00een avans. Toate poli\u0163ele sunt emise \u00een numele Accelerant Insurance Europe, companie autorizat\u0103 \u015fi supravegheat\u0103 de Banca Na\u0163ional\u0103 a Belgiei \u015fi notificat\u0103 la Autoritatea de Supraveghere Financiar\u0103 (ASF) din Rom\u00e2nia, arat\u0103 Narcis P\u0103v\u0103la\u015fcu, CEO \u015fi co-fondator Autonom Protect.<\/span><\/p>\n<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">Accelerant nu este un asigur\u0103tor tradi\u0163ional, ci o platform\u0103 construit\u0103 \u00een jurul modelului MGA, activ\u0103 \u00een mai multe \u0163\u0103ri europene \u015fi sus\u0163inut\u0103 de grupul Accelerant Holding, listat la Bursa de la New York sub simbolul ARX. Compania de\u0163ine un nivel de acoperire a cerin\u0163elor de capital (SCR) de peste 180%, conform normelor europene Solvency II.<\/span><\/p>\n<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">Autonom Protect a ajuns \u00een mai pu\u0163in de patru ani la o evaluare independent\u0103 de aproximativ 27 de milioane de euro, pe baza rezultatelor din 2024, conform unei evalu\u0103ri ANEVAR. Compania face parte din ecosistemul de afaceri al fra\u0163ilor Dan \u015fi Marius \u015etefan, care controleaz\u0103 grupul Autonom \u015fi care genereaz\u0103 o cifr\u0103 de afaceri cumulat\u0103 de peste 1 miliard de lei.<\/span><\/p>\n<p>\n<span color:=\"\" font-family:=\"\" font-size:=\"\" sans=\"\" source=\"\" white-space-collapse:=\"\">Autonom Services \u2013 unul dintre cei mai mari juc\u0103tori din pia\u0163a de leasing opera\u0163ional \u015fi \u00eenchirieri auto din Rom\u00e2nia, a raportat venituri din exploatare de 938,9 milioane de lei \u00een 2025, \u00een cre\u015ftere cu 12% fa\u0163\u0103 de anul anterior, \u015fi un profit opera\u0163ional de 148,5 milioane de lei, \u00een urcare cu 17%. Activele totale au dep\u0103\u015fit 2,16 miliarde de lei la finalul anului trecut, iar compania este listat\u0103 pe pia\u0163a principal\u0103 a Bursei de Valori Bucure\u015fti prin obliga\u0163iuni corelate cu obiectivele de sustenabilitate.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Autonom Protect, compania de asigur\u0103ri fondat\u0103 \u00een 2022 de antreprenorii Narcis P\u0103v\u0103la\u015fcu, Dan \u015etefan \u015fi Marius \u015etefan, \u015fi-a deschis o nou\u0103 filier\u0103 european\u0103: Autonom Protect Greece, o entitate \u00eenregistrat\u0103 \u00een Grecia care poate emite poli\u0163e de garan\u0163ii \u015fi \u00een Rom\u00e2nia. Noua structur\u0103 lucreaz\u0103 cu asigur\u0103torul belgian Accelerant Insurance Europe, o companie cu rating de excelen\u0163\u0103 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[81,331,382,379,60,380,98,381],"class_list":["post-246281","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-afaceri","tag-asigurari","tag-frati","tag-garantii","tag-piata","tag-polite","tag-romania","tag-vehicul"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/246281","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=246281"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/246281\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=246281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=246281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=246281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}