Updated September 28, 2026 · AssureCue Editorial Team
BizCover (Australia) vs ERGO Group Deutschland
What sets them apart
| Compare |  BizCover (Australia) |  ERGO Group Deutschland |
|---|---|---|
| Provider type | Broker | Insurer |
| Cover types | Cyber, Professional indemnity, Property, Public liabilityCovers more | Public liability, Cyber, Property |
| Premium from | A$43.62 | €3.90 |
| Excess from | A$500 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 8.8.
- Cover types: only BizCover (Australia) offers Professional indemnity.
- Support channels: only BizCover (Australia) offers Help centre.
- Support channels: only ERGO Group Deutschland 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.
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
Score breakdown
| Area | BizCover (Australia) | ERGO Group Deutschland |
|---|---|---|
| Cost | 8.5 | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.5Higher | 9.1 |
| Trust | 8.5 | 9.6Higher |
Licences and countries
| Country | BizCover (Australia) | ERGO Group Deutschland |
|---|---|---|
| Germany | Not confirmed |
Additional countries for BizCover (Australia): 1. Additional countries for ERGO Group Deutschland: 1.
How they place
| Ranking | BizCover (Australia) | ERGO Group Deutschland |
|---|---|---|
| Car insurance | 25 of 393 | 7 of 393 |
| Business insurance | 21 of 150 | 8 of 150 |
| Public liability insurance | 8 of 51 | 4 of 51 |
What each covers
| Cover types | BizCover (Australia) | ERGO Group Deutschland |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | No |
| Cyber | Yes | Yes |
| Property | Yes | Yes |
Which one suits you
Pick BizCover (Australia) if offer and cover types matter most.
Pick ERGO Group Deutschland if cost matter most.
Every fact side by side
| Fact | BizCover (Australia) | ERGO Group Deutschland |
|---|---|---|
| Legal entity | BizCover Pty Limited (ABN 68 127 707 975) | ERGO Group AG |
| Headquarters | Australia | Germany |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone |
Personal insurance
| Fact | BizCover (Australia) | ERGO Group Deutschland |
|---|---|---|
| Insurance types | Not confirmed | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Pricing model | Monthly | Monthly |
| Cover limit | $5 million to $20 million (Public Liability) | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | Online claims form, Claims tracker, Email, Phone | Online, Phone |
| Age range | Not confirmed | Under 36 (13% start bonus for young people) |
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
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
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
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | BizCover (Australia) | ERGO Group Deutschland |
|---|---|---|
| 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.
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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