This is not just a symbolic garden, but a tangible space of hope: delicate white ceramic flowers with engraved petals carry words and thoughts – intimate messages and wishes that transform the fragility of illness into new energy for life.

The initiative highlights an innovative approach to healthcare: alongside advanced medical technology, the therapeutic journey is enriched by creative activities that support emotional wellbeing and social connection. As institutions at the event noted, combining clinical precision with artistic and playful experiences represents a path towards a more human-centred model of care, offering comfort during the most challenging times. The project is proof of how healthcare, volunteer organisations and businesses can collaborate to make a real difference in patients’ quality of life.

Verlingue proudly supported the creation of this artwork, reaffirming its commitment to initiatives that combine social responsibility with community value. Backing “Fiorisce un Giardino” means contributing not only to treatment, but also to the cultivation of beauty and courage – qualities that can inspire everyone who encounters them.

Ultimately, “Fiorisce un Giardino” is a garden of the soul: a place where illness meets creativity and is transformed into a sign of renewal. Every ceramic flower tells a story, a gesture that transcends pain and becomes a shared legacy, reminding us that even in the most difficult moments, it is possible to nurture hope and a vision of the future.

Scope of jurisdiction
The Ombudsman has jurisdiction over all disputes arising from insurance contracts, including matters relating to the recognition of rights (including compensation), obligations, and entitlements linked to insurance services and coverage.
Notably, cases concerning claims handled by the Road Victims Guarantee Fund or the Hunting Accident Guarantee Fund, as well as those falling within the remit of CONSAP (the Italian Public Insurance Services Concessionaire), are expressly excluded.

How the procedure works
The arbitration procedure may be initiated directly by the policyholder or claimant, via an online platform, without the need for legal representation and with minimal cost.
Importantly, the process is integrated within the complaints-handling framework: submitting a complaint to the insurance company or intermediary is a mandatory prerequisite.

Only in the event of no response or an unsatisfactory reply, can the claimant escalate the matter to the Insurance Ombudsman. Once the complaint is admitted, the Ombudsman must issue a decision within 90 days, extendable by a further 90 days in particularly complex cases.

Legal weight and reputational implications
Although decisions issued by the Insurance Ombudsman are not legally binding, non-compliance by supervised entities will result in reputational consequences: IVASS will publish the name of the non-compliant company on its institutional website for a period of five years.

Operational Status
Despite the legislative framework now being in place, the Insurance Ombudsman is not yet operational. IVASS is currently expected to issue the relevant technical and procedural rules via a dedicated measure, which will be published on its official website.

Further reading:

·       Ministerial Decree No. 215/2024, Ministry for Business and Made in Italy

·       Articles 141 ff. of the Italian Consumer Code

·       Articles 187 ff. of the Italian Insurance Code

The aim is to promote sport as a tool for personal and collective growth, while strengthening the bond between businesses and communities.

(ii) criminal liability, arising from conduct in breach of criminal law;

iii) disciplinary liability, which is triggered by breaches of service-related obligations that are now codified in collective bargaining agreements and public service codes of conduct;

iv) managerial liability when targets are not achieved or directives are disregarded (pursuant to Article 21 of Legislative Decree No. 165/2001); and v) administrative liability, arising from wilful misconduct or gross negligence that causes financial harm to the public administration.

(v) Administrative liability, which arises from wilful misconduct or gross negligence causing financial harm to the public administration, broadly defined.

Administrative liability is often considered a distinct category from a legal standpoint, situated between civil and criminal liability. It is defined by two key features: the personal nature of the fault and the economic impact of the wrongdoing.

Due to its strictly personal nature, a fundamental rule applies: claims for compensation arising from administrative liability cannot be transferred to the heirs of the liable party.

However, this principle is subject to a notable exception: the debt may pass to the heirs if there is evidence of:

1. unlawful enrichment of the deceased; or

2. Unjust enrichment of the heirs themselves.

In this regard, the Lombardy Regional Section of the Italian Court of Auditors (Corte dei Conti) ruled that liability may be transmitted to the heirs of a defendant who dies during proceedings concerning fiscal damage to the State only under the above conditions.

In the present case, the Court found no basis or evidence to justify transferring the alleged liability to the heirs. Consequently, it ordered that the proceedings against the deceased be formally discontinued.

For further reading:

- Supreme Court (Civil Division), Ruling No. 8522/2024

- Italian Court of Auditors, Lombardy Section, Ruling No. 102/2017