Updated September 28, 2026 · AssureCue Editorial Team
Hiscox UK vs Insify.fr
Hiscox UK vs Insify.fr: the differences
| Compare |  Hiscox UK |  Insify.fr |
|---|---|---|
| Provider type | Insurer | Broker |
| Cover types | Public liability, Professional indemnity, Employers liability, Cyber | Professional indemnity, Property |
| Premium from | £5.20 | €11 |
| Industries | IT, consultancy, trades, retail, freelancers and sole traders | independents and small businesses, food, retail, home |
| Indemnity limit | £10,000,000 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 8.8.
- Cover types: only Hiscox UK offers Public liability, Employers liability, Cyber.
- Cover types: only Insify.fr offers Property.
Our verdict on each
Hiscox UK
Hiscox UK suits small businesses, sole traders and freelancers who want an insurer with a high indemnity limit at a low entry price. It sits first of 11 on indemnity limit and second of 14 on premium from, with business cover priced from £5.20 a month.
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 | Hiscox UK | Insify.fr |
|---|---|---|
| Cost | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. | 9.1Starting premium is €11, ranking 9 of 14 on price, so it sits mid field rather than at the lowest entry point. |
| Offer | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. | 8.4 |
| Trust | 9.7Higher | 8.7 |
Feature by feature
| Cover types | Hiscox UK | Insify.fr |
|---|---|---|
| Public liability | Yes | No |
| Professional indemnity | Yes | Yes |
| Employers liability | Yes | No |
| Cyber | Yes | No |
| Property | No | Yes |
Where they rank in our lists
| Ranking | Hiscox UK | Insify.fr |
|---|---|---|
| Business insurance | 30 of 150 | 22 of 150 |
| Professional indemnity and liability insurance | 10 of 38 | 7 of 38 |
Availability and regulation
Additional countries for Hiscox UK: 1. Additional countries for Insify.fr: 1.
Every fact side by side
| Fact | Hiscox UK | Insify.fr |
|---|---|---|
| Legal entity | Hiscox Underwriting Ltd | Not confirmed |
| Headquarters | United Kingdom | Not confirmed |
| Support channels | Phone, Help centre | Not confirmed |
Personal insurance
| Fact | Hiscox UK | Insify.fr |
|---|---|---|
| Insurance types | Home, Renters, Landlord, Auto, Home emergency | Not confirmed |
| Cover limit | GBP 100,000 | Not confirmed |
| Claims channels | Phone, Online, Post | Not confirmed |
Where each stands against the rest
| Fact | Hiscox UK | Insify.fr | Median |
|---|---|---|---|
| Indemnity limit | £10,000,000highest quarter | Not confirmed | £4,000,000 |
Median across 10 listed insurance providers.
Pros and cons
Hiscox UK
Pros
- Indemnity limits of £10,000,000 rank first of 11 brands on our data, well above the site median of €3,486,547.74.
- Business lines cover public liability, professional indemnity, employers liability and cyber, so several core covers sit with one insurer.
- Premium from £5.20 sits below the site median of €8.37, and Hiscox UK ranks 2 of 14 on entry price.
Cons
- Support runs on phone and help centre only, so a help centre and phone line are the listed ways to reach the team.
- Business cover is limited to public liability, professional indemnity and employers liability, with no property business line among the listed lines.
- The entry premium is a starting figure, and business insurance premium from £5.20 sits under a category spread running to €3,431.08.
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
Hiscox UK
Who it suits
- IT companies, consultancies and trades that need a high indemnity limit on professional indemnity
- Freelancers and sole traders buying their first business policy
- Businesses wanting public liability, employers liability and cyber from one insurer
Who should look elsewhere
- Buyers who want a broker to shop the whole market for them, such as broker
- Buyers needing property business cover, which sits outside public liability, professional indemnity and employers liability
- Personal only shoppers, as the listed cover centres on business lines in public liability, professional indemnity and employers liability
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 | Hiscox UK | Insify.fr |
|---|---|---|
| France | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Hiscox UK
How much does business insurance cost at Hiscox UK?+
Business cover starts at £5.20 a month with monthly payments available. That entry figure sits below the site median of €8.37 and under the business insurance median of €8.37. Your own price depends on the cover, the limit and the trade.
What is the highest indemnity limit offered?+
Professional indemnity cover reaches £10,000,000. That ranks Hiscox UK 1 of 11 brands on our data, and the site median for the same limit is €3,486,547.74. Higher limits usually cost more, so pair the figure with the premium.
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.