Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Insify.fr
What sets them apart
| Compare |  andsafe |  Insify.fr |
|---|---|---|
| Provider type | Insurer | Broker |
| Cover types | Public liability, Professional indemnity, PropertyCovers more | Professional indemnity, Property |
| Premium from | €10.57Lower | €11 |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | independents and small businesses, food, retail, home |
| Indemnity limit | €10,000,000 | Not confirmed |
| Excess from | €0 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 8.8.
- Premium from is lower at andsafe: €10.57 vs €11.
- Cover types: only andsafe offers Public liability.
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.
Insify.fr
Insify.fr is a straightforward broker for independents and small businesses that need professional indemnity cover without a long contract. Premiums start at €11, and the same account also carries property cover, with food, retail and home businesses the stated audience and both lines arranged in one place.
Score breakdown
| Area | andsafe | Insify.fr |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.1Starting premium is €11, ranking 9 of 14 on price, so it sits mid field rather than at the lowest entry point. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.4 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.7 |
Feature by feature
| Cover types | andsafe | Insify.fr |
|---|---|---|
| Public liability | Yes | No |
| Professional indemnity | Yes | Yes |
| Property | Yes | Yes |
Also worth a look
KS Auxilia has premium from at €5.04, against €10.57 for andsafe and €11 for Insify.fr.
KS Auxilia reviewWhere these facts come from
andsafe
- andsafe.de: 10 facts, checked September 28, 2026
Insify.fr
- insify.fr: 5 facts, checked September 26, 2026
How they place
| Ranking | andsafe | Insify.fr |
|---|---|---|
| Business insurance | 7 of 150 | 22 of 150 |
| Professional indemnity and liability insurance | 2 of 38 | 7 of 38 |
Every fact side by side
| Fact | andsafe | Insify.fr |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Personal insurance
| Fact | andsafe | Insify.fr |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Cover limit | 30 Mio. EUR | Not confirmed |
| Claims channels | Online | Not confirmed |
Where each stands against the rest
| Fact | andsafe | Insify.fr | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €11above the median | €7.99 |
| Excess from | €0below the median | Not confirmed | €100 |
Median across 27 listed insurance providers.
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.
Insify.fr
Pros
- Indemnity and property arranged together, professional indemnity and property, so one request covers both sides of the business.
- Monthly payments are available, so the premium can be spread rather than paid in a single sum.
- Aimed squarely at small operators, from independents to food, retail and home businesses, with everything arranged through one broker, broker.
Cons
- Insify.fr is a broker rather than the carrier of the risk, broker, so the policy terms sit with the insurer behind it.
- On starting premium it ranks 9 of 14 brands, so the entry price is a middle of the field one.
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.
Insify.fr
Who it suits
- Freelancers and independents taking out their first professional indemnity policy.
- Small food, retail and home based businesses that want indemnity and property in one application.
- Owners who prefer spreading the cost, since monthly payments are available.
Who should look elsewhere
- Hiscox UK, if you would rather hold the policy with the insurer itself: it is an insurer, insurer.
- EuroAsia Insurance, also an insurer, insurer, for a direct insurer relationship instead of a broker.
- WeddingPlan Insurance, whose business cover is public liability only, public liability, which does not answer a professional indemnity need.
Country by country
| Country | andsafe | Insify.fr |
|---|---|---|
| France | 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.
Insify.fr
How much does professional indemnity cost through Insify.fr?+
Premiums start at €11, and that figure applies to the professional indemnity policy Insify.fr arranges. The final price follows the business, the work it does and the level of cover chosen. For scale, starting premiums across the site run from €2.92 to €29.72.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and that is the practical difference this broker offers for a business with uneven cash flow. The lines on the policy are professional indemnity and property. Insify.fr is a broker, broker, rather than the insurer itself.
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