Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs BizCover (Australia)
Where andsafe and BizCover (Australia) differ
| Compare |  andsafe |  BizCover (Australia) |
|---|---|---|
| Provider type | Insurer | Broker |
| Cover types | Public liability, Professional indemnity, Property | Cyber, Professional indemnity, Property, Public liabilityCovers more |
| Premium from | €10.57 | A$43.62 |
| Excess from | €0 | A$500 |
| Indemnity limit | €10,000,000 | Not confirmed |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 8.8.
- Cover types: only BizCover (Australia) offers Cyber.
- Support channels: only andsafe offers Chat.
Our verdict on each
andsafe
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.
BizCover (Australia)
BizCover is an Australian broker for small business cover spanning cyber, professional indemnity and property, with premiums from AUD 43.62 and limits of $5 million to $20 million (Public Liability) on public liability. It suits Australian sole traders and small firms that want monthly premiums settled through a broker rather than a single insurer.
Score breakdown
| Area | andsafe | BizCover (Australia) |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 8.5 |
| Offer | 9.5Business cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.5 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.5 |
How they place
| Ranking | andsafe | BizCover (Australia) |
|---|---|---|
| Car insurance | 4 of 393 | 25 of 393 |
| Business insurance | 7 of 150 | 21 of 150 |
| Professional indemnity and liability insurance | 2 of 38 | 6 of 38 |
| Public liability insurance | 3 of 51 | 8 of 51 |
Licences and countries
| Country | andsafe | BizCover (Australia) |
|---|---|---|
| Germany | Not confirmed |
Additional countries for andsafe: 1. Additional countries for BizCover (Australia): 1.
Which one suits you
Pick andsafe if cost matter most.
Pick BizCover (Australia) if cover types matter most.
Every fact side by side
| Fact | andsafe | BizCover (Australia) |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | BizCover Pty Limited (ABN 68 127 707 975) |
| Headquarters | Germany | Australia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Personal insurance
| Fact | andsafe | BizCover (Australia) |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Not confirmed |
| Pricing model | Monthly | Monthly |
| Cover limit | 30 Mio. EUR | $5 million to $20 million (Public Liability) |
| Claims channels | Online | Online claims form, Claims tracker, Email, Phone |
Pros and cons
andsafe
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.
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.
BizCover (Australia)
Pros
- Premiums start at AUD 43.62 and can be paid monthly, matching the 100% pattern across the market
- Cover lines include cyber, professional indemnity and property, so a firm can hold several policies in one place
- Public liability limits run $5 million to $20 million (Public Liability), with excesses from AUD 500
Cons
- Employers liability is not among its cyber, professional indemnity and property, so employers who need it must look at other providers
- Public liability is the line carrying a published limit of $5 million to $20 million (Public Liability), and its excess starts at AUD 500
- Monthly payments are the only pricing model listed in monthly, so annual settlement is not offered as a separate option
Who each suits
andsafe
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.
BizCover (Australia)
Who it suits
- Australian sole traders and small firms needing public liability cover
- Businesses that hold professional indemnity, property or cyber cover alongside it
- Firm owners who prefer spreading premium payments across the year
Who should look elsewhere
- Buyers who want the insurer relationship itself, since BizCover is a broker while Hiscox UK is insurer
- Employers needing employers liability, which is not among cyber, professional indemnity and property
- Shoppers seeking more business lines than cyber, professional indemnity and property, or personal cover such as home and travel
Country by country
| Country | andsafe | BizCover (Australia) |
|---|---|---|
| Australia | No | Yes |
| Germany | Yes | No |
Questions about each
andsafe
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.
BizCover (Australia)
How much does BizCover cost?+
Premiums start at AUD 43.62 for the cover described, and the site median for business insurance premium from is €8.37. Public liability limits are offered at $5 million to $20 million (Public Liability), so the price moves with the limit you pick.
Can I pay monthly?+
Yes. Monthly payments are available, and monthly lists monthly as the only pricing model offered. That suits businesses spreading cost across the year, and it matches the pattern on 88.9% of the market.
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