andsafe review

Updated September 29, 2026 · AssureCue Editorial Team · Facts checked September 29, 2026

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Our verdict

andsafe suits small firms in construction, cleaning, crafts, hospitality plus IT and consulting that want direct insurer cover with monthly billing. Premiums run €10.57 with indemnity of €10,000,000 and claims filed through online, which keeps routine protection simple to manage.

Key facts

Best for
Small trade and service firms that want direct insurer cover with monthly billing.
Provider type
Insurer (Source, checked September 28, 2026)
Cover types
Public-liability, Professional-indemnity, Property (Source, checked September 28, 2026)
Indemnity limit
€10,000,000 (Source, checked September 28, 2026)
Premium from
€10.57 (Source, checked September 28, 2026)
Excess from
€0 (Source, checked September 28, 2026)
Monthly payments
Yes (Source, checked September 28, 2026)
Industries
Construction, cleaning, crafts, hospitality, IT and consulting (Source, checked September 28, 2026)
Legal entity
andsafe Aktiengesellschaft (Source, checked September 28, 2026)
Headquarters
Germany (Source, checked September 28, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 28, 2026)
Official website
andsafe.de

Personal insurance

Premium from
€10.57 (Source, checked September 28, 2026)
Insurance types
Auto, Home, Travel, Pet, Bicycle (Source, checked September 29, 2026)
Provider type
Insurer (Source, checked September 28, 2026)
Monthly payments
Yes (Source, checked September 28, 2026)
Excess from
€0 (Source, checked September 28, 2026)
Cover limit
30 Mio. EUR (Source, checked September 29, 2026)
Claims channels
Online (Source, checked September 29, 2026)
Legal entity
andsafe Aktiengesellschaft (Source, checked September 28, 2026)
Headquarters
Germany (Source, checked September 28, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 28, 2026)
Pricing model
Monthly

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Direct insurer cover across public liability, professional indemnity and property for liability and property risks in listed trades.
  • Indemnity of €10,000,000 for business liability alongside private liability of 30 Mio. EUR.
  • Excess terms at €0 on selected liability, with premiums run €10.57 for contents.
  • Support across email, chat and phone with billing under monthly and claims through online.

Cons

  • Business cover centres on public liability, professional indemnity and property, while Hiscox also lists employers liability and cyber within public liability, professional indemnity and employers liability.
  • Premiums run €10.57 for contents cover, which can look dear against lean entry offers elsewhere.
  • Claims run through online, which may feel narrow if you prefer phone led claims handling.
  • Personal lines span auto, home and travel without life or health cover, unlike broader rivals in the ranking.
andsafe

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Scored 9.6 / 10 by AssureCue.

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Who it suits

  • Trade and service firms that want liability plus property under public liability, professional indemnity and property from a direct insurer.
  • Households that also want auto, home, travel, pet or bicycle cover under auto, home and travel in the same place.

Who should look elsewhere

  • Firms that need cyber or employers liability should compare Hiscox, since andsafe centres on public liability, professional indemnity and property.
  • Shoppers that want broker choice across many carriers may prefer a marketplace over a direct insurer under insurer.

What the policy covers

andsafe covers everyday personal risks across auto, home and travel, namely auto, home, travel, pet and bicycle. That breadth lets you place several household policies beside business cover without changing provider. Private liability cover sits at 30 Mio. EUR, which gives a clear ceiling for personal third party claims. Review exclusions, duties and sums insured in the documents before you buy, then match the limit to household needs and to any landlord or lender terms that apply.

Safety and regulation

andsafe is structured as insurer under insurer, so policies are issued directly by the carrier rather than arranged by an intermediary. That structure keeps underwriting, administration and claims within the same organisation. For you, the practical point is accountability, since contract questions, endorsements and renewals sit with the insurer. Read the general and special conditions to confirm how cover, limits and duties apply to your trade.

Regulation

The regulatory position follows the same status as insurer under insurer, with a German head office and licence record. Supervision sits with the national financial supervisor for insurance, which oversees authorised carriers in that market. You should check the imprint and policy documents for the legal name, address and complaints route. Keep copies of quotes, schedules and endorsements so cover, dates and limits remain easy to evidence.

Where it sits among rivals

On indemnity, andsafe holds rank 2 among 16 ranked brands, which signals a strong ceiling for liability claims. On entry premium, it holds rank 13 among 22 ranked brands, which signals a higher starting point than many rivals. The trade off is therefore clear, with generous limits paired against less aggressive entry pricing. Weigh the ceiling against your contract demands, then compare excess terms and options.

How andsafe compares

Where andsafe is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What does andsafe charge for business cover?+

Premiums run €10.57 for contents cover, while excess terms sit at €0 on selected liability. The exact amount you pay depends on trade, turnover, limits and options chosen, so use the quote path to confirm your rate before purchase.

Which types of insurance does andsafe provide?+

Business cover spans public liability, professional indemnity and property, covering public liability, professional indemnity and property risks. Personal lines span auto, home and travel, namely auto, home, travel, pet and bicycle, so you can keep several everyday policies with the same provider.

What limits apply to andsafe liability cover?+

Business indemnity sits at €10,000,000 for public liability, while private liability cover sits at 30 Mio. EUR. Check policy documents to see how limits, sublimits and excess terms apply to your trade and to any property sums insured.

Is andsafe an insurer or a broker?+

andsafe is recorded as insurer under insurer and trades as andsafe Aktiengesellschaft. Cover is therefore issued directly rather than through a broker, and supervision in Germany sits with the national financial supervisor named in the licence record.

How do claims work with andsafe?+

Claims are handled through online. You can report and track a claim through the online route, upload documents there and receive updates by message. Keep photos, invoices and correspondence ready to help assessment move ahead.

Can you pay monthly and get help by phone?+

andsafe offers billing under monthly, and monthly payments are marked as available for business liability. Support is available across email, chat and phone, giving you email, chat, phone and help centre routes for quotes, changes and renewals.

Which trades suit andsafe business cover?+

The facts describe cover for construction, cleaning, crafts, hospitality plus IT and consulting. If your work sits outside those trades, compare Hiscox, which lists public liability, professional indemnity and employers liability, since added cyber and employers liability may matter for office based risks.

Sources

Compiled from 8 source pages, checked September 29, 2026. We did not open an account.

andsafe

andsafe

Small trade and service firms that want direct insurer cover with monthly billing.

9.6/10Visit

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