Insurance Guarantee for ANPAL Contributions and the New Skills Fund


Have you been awarded the ANPAL Non-Repayable Grant and need an Insurance Guarantee for an advance?

Did you immediately ask your bank, but they told you that it would take a month to get an answer and that a sum of money must be deposited as security?

Requesting an insurance guarantee from a bank seems contradictory, especially if you have been awarded a non-repayable grant.

  • Insurance Guarantee: What is it, and how do you get one?
  • What should I do to obtain the Insurance Guarantee?
  • What documents must be presented to obtain the guarantee?

Contact us directly online to receive a real-time quote, call one of our nearest offices: Tel. +39 055 49.32.199 – Tel. +39 02 667.124.17


You can also contact us via: WhatsApp: +39 339 71.50.157

send a message we will respond during office hours, within 5 minutes.

Why not take a look at our customer testimonials? You will be surprised to see how

effective we have been in meeting their needs.


Google reviews 5 stars for our activity


Our company provides the guarantee you are looking for in 3 very simple steps:

  1. Send an email to, con i documenti with the financial documents of your company, signing for acknowledgment of our company’s privacy policy;
  2. Review the quote and make the payment via bank transfer;
  3. Receive the INSURANCE GUARANTEE with certified signature as required by ANPAL, via email.

We operate online, in real-time, throughout the Italian territory, including islands.
For any questions or doubts, do not hesitate to call us, or write to us to receive an immediate response.


Read here what our customers think of us,

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ANPAL? What is it about?

people studying


First, let’s understand what ANPAL is.

ANPAL stands for National Agency for Active Labor Policies, an Italian governmental agency for developing employment across the Italian territory, especially through the dissemination of specialized courses to acquire new skills.

Therefore, it is aimed at:


Developing training courses for the youngest and inexperienced, dealing with career guidance, providing concrete help with job searching, and numerous incentives for hiring new youth employment.

  • Developing incentives for the reintegration of people who have lost their jobs and are no longer young.
  • Helping connect job seekers with companies looking for staff; in fact, it is possible to upload a resume on their platform.
  • Offering numerous training courses, especially for new digital skills, not only to job seekers but also to those already employed.


The PON – SPAO is the National Operational Program of Active Employment Policy Systems, linked to European employment and labor market funding of the National Reform Program (PNR)

The interventions of the FNC, New Skills Fund, are non-repayable contributions reserved for employers who reduce their employees’ working hours to allow time, paid, for the employee to attend training courses and acquire new skills, especially in the digital world.

The FNC is a financial tool necessary to reimburse the cost, including social security and welfare contributions, of the working hours reduced, dedicated by the employee to training courses for the development of new skills.

The New Skills Fund was established by Article 88 of the decree-law of May 19, 2020, No. 34 converted with law July 17, 2020, No.77, as amended by Article 4 of the decree-law August 14, 2020 No.104, converted with 4 amendments by the law October 13, 2020, No. 126 and regulated by the Decree of the Minister of Labor and Social Policies in concert with the Minister of Economy and Finance of 09.10.2020 following the COVID 19 pandemic emergency that has affected the entire inhabited earth.

How are these non-repayable loans provided?

There are 2 possibilities:

  1. in two installments: an advance of 40% and then the balance.
  2. in a single installment at balance.

It is therefore possible to request an advance of 40% of the sums, (previously it was 70%, but then the percentage was reduced), by presenting a surety guarantee issued by a Bank or an Insurance Company authorized to issue Guarantees and Bonds, Branch 15 of the IVASS.

ANPAL Decree No. 461 of 04.11.2020 is very clear in this respect:

“The possibility to request as an advance the disbursement of 40% (forty percent) of the granted contribution, upon presentation of an irrevocable, unconditional bank guarantee or insurance surety bondexecutable on first demand, in the amount of the advance and with a duration of twenty-four months, to guarantee the potential request for repayment of the same amount.

The guarantee, drafted according to the template published on the ANPAL website, may be issued by entities that alternatively meet the subjective requirements set forth in Article 1 of Law June 10, 1982, No. 348 or Article 107 of Legislative Decree September 1, 1993, No.385 385: 1) if a Bank, to be registered in the Register at the Bank of Italy; 2) if an Insurance Company, to be listed in the register of companies authorized to operate in the surety branch at IVASS; 3) if a Financial Company, to be listed in the special register pursuant to Article 107 of Legislative Decree No. 385/1993 at the Bank of Italy.

The bank guarantee or insurance surety bond must be submitted within 60 days from the date of actual admission to the contribution, by uploading the document on the information system. In the absence of uploading within the aforementioned term, the entire amount of the contribution will be disbursed in a single solution at balance.”

How is the balance disbursed?

Once the final recognized amount is determined, INPS, upon request from ANPAL, disburses the balance.

  • Guarantee: What is it?
  • How do I obtain the Guarantee?
  • What documents do I need to present?

Guarantee: What is it?

A guarantee is a security provided by a bank or insurance to its client, whereby the insurance company commits to cover any non-fulfillment of obligations taken by the same towards third parties.

In our case, the Guarantee is a security issued by an Insurance Company as a guarantee of all regular compliances required by ANPAL to be able to use the public non-repayable contribution.

How do I obtain the Guarantee?

It is very simple, just turn to our company,, we have been exclusively issuing insurance guarantees for public non-repayable contributions for many years.

Just send an email to with all the necessary documents to instruct the case and we will send you a quote in a very short time.

For any doubts or information contact us directly online to receive a real-time response, or call one of our nearest offices.

What documents do I need to submit to obtain the guarantee for the non-repayable contribution?

Here is the list of documents to send by email:

  • Latest filed balance sheet 2021, including attachments and presentation receipt and provisional situation for the year 2022;
  • Recent Chamber of Commerce registration not older than 3 months and the administrator’s document;
  • Identity card and single model of all partners who are co-obligors;
  • Decree of concession or award of the contribution;
  • Updated DURC;
  • Signed privacy document.

Why should you specifically turn to ITALIAFIDEIUSSIONI?



We are able to issue the guarantee you are looking for in 48/72 hours from when we receive all the necessary and complete documents.


We have an online consulting system, via phone, WhatsApp, social media, and email that supports the client without deadlines or limits, even after purchasing the guarantee.


We are used to being bombarded by numerous unsolicited phone calls and advertising messages. Our company strongly believes in the conscious and reserved use of the data we acquire, strictly for the purpose related to the request for the online insurance guarantee, and we believe this makes a difference.

With us, your personal data are safe, thanks also to our protected computer systems.


Our professionalism is evident through our results, and we invite you to read the experiences of our clients through the reviews posted on Google.

Receive your quote immediately

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Tutto perfetto e veloce... Complimenti
Disponibilità e velocitàBravi
Veloci e professionali, ringrazio Mariana per la gentilezza
Servizio perfetto, molto rapido, facilissimo contattare e ricevere immediata risposta ed assistenza , niente di negativo da segnalare
Servizio eccellente! Ringrazio infinitamente Mariana; gentilissima, veloce e professionale. Non mancherò di consigliare vivamente questo servizio ad amici e parenti. GRAZIE!
Ottimo servizio, puntuali ed efficenti, soprattutto Debora.
Response from the owner: Grazie !!!
Davvero rapidi. Così bisogna essere per portare avanti Italia. Sergio Marcchionne in una delle sue conferenze disse una cosa simile ovvero ''BISOGNA ESSERE RAPIDI'' e senza andare nello stress!Ringrazio gentile Deborah che mi ha seguito la pratica che poi ho potuto consegnare il documento nei tempi previsti...Alla prossima!Umer
Il servizio è stato veloce ed eseguito bene.
Response from the owner: "Grazie per il suo riscontro positivo! Siamo lieti di sapere che ha trovato il nostro servizio di emissione della polizza di fideiussione assicurativa veloce ed efficiente. Ci impegniamo sempre per garantire una rapida elaborazione e un’esecuzione impeccabile per soddisfare al meglio le esigenze dei nostri clienti. Siamo a sua completa disposizione per qualsiasi necessità futura!"
Ho contattato per la.prima volta quest' azienda e la Sig.Mariana è stata professionale e molto disponibile. Consigliato.
Response from the owner: "La ringraziamo per aver scelto la nostra azienda per la sua prima esperienza con le polizze di fideiussione assicurativa. Siamo felici di sapere che la Sig.ra Mariana ha dimostrato professionalità e disponibilità, offrendo un servizio all’altezza delle sue aspettative. Il suo consiglio è molto apprezzato e ci incoraggia a continuare su questa strada. Siamo qui per supportarla in tutte le sue future esigenze!"
Ottimo servizio! Puntuali, chiari nelle istruzioni e veloci nell’emissione della polizza. Ci hanno messo pochissimo tempo a rispondere ed elaborare la richiesta.Lo consiglio caldamente!Grazie a Mariana per la sua assistenza e velocità nel servizio.
Response from the owner: "Grazie per il suo gentile commento! Siamo molto felici che l’assistenza di Mariana abbia contribuito a rendere il processo di emissione della polizza di fideiussione assicurativa rapido ed efficace. Ci impegniamo costantemente per offrire un servizio di alta qualità e apprezziamo molto il suo riconoscimento. è qui per supportarla in ogni sua esigenza futura!"
cortesia, tanta pazienza e professionalità. hanno risolto il problema visto della mia compagna in maniera efficienteve veloce. consigliati, in particolare l'ufficio di Firenze.