Updated September 28, 2026 · AssureCue Editorial Team
BizCover (Australia) vs die Bayerische
BizCover (Australia) vs die Bayerische: the differences
| Compare |  BizCover (Australia) |  die Bayerische |
|---|---|---|
| Provider type | Broker | Insurer |
| Cover types | Cyber, Professional indemnity, Property, Public liabilityCovers more | Public liability, Property |
| Premium from | A$43.62 | €2.09 |
| Excess from | A$500 | €0 to €35 |
| Industries | Not confirmed | Retail, construction, cleaning, hospitality and health professions |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- die Bayerische scores higher overall: 9.6 vs 8.8.
- Founded is lower at die Bayerische: 1858 vs 2008.
- Cover types: only BizCover (Australia) offers Cyber, Professional indemnity.
- Support channels: only die Bayerische offers Chat.
Our verdict on each
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.
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
Score breakdown
| Area | BizCover (Australia) | die Bayerische |
|---|---|---|
| Cost | 8.5 | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.5 | 9.6Higher |
| Trust | 8.5 | 9.7Higher |
Which one suits you
Pick BizCover (Australia) if cover types matter most.
Pick die Bayerische if cost matter most.
How they place
| Ranking | BizCover (Australia) | die Bayerische |
|---|---|---|
| Car insurance | 26 of 394 | 52 of 394 |
| Business insurance | 21 of 150 | 28 of 150 |
| Public liability insurance | 8 of 51 | 9 of 51 |
Feature by feature
| Cover types | BizCover (Australia) | die Bayerische |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | No |
| Cyber | Yes | No |
| Property | Yes | Yes |
Sources behind this comparison
BizCover (Australia)
- bizcover.com.au: 9 facts, checked September 26, 2026
die Bayerische
- diebayerische.de: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | BizCover (Australia) | die Bayerische |
|---|---|---|
| Legal entity | BizCover Pty Limited (ABN 68 127 707 975) | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Australia | Germany |
| Founded | 2008 | 1858Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Personal insurance
| Fact | BizCover (Australia) | die Bayerische |
|---|---|---|
| Insurance types | Not confirmed | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, Gadget |
| Pricing model | Monthly | Monthly |
| Cover limit | $5 million to $20 million (Public Liability) | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | Online claims form, Claims tracker, Email, Phone | Online, Post, Phone |
Pros and cons
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
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
Who each suits
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
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
Current offers
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | BizCover (Australia) | die Bayerische |
|---|---|---|
| Australia | Yes | No |
| Germany | No | Yes |
Questions about each
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.
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.