Updated September 28, 2026 · AssureCue Editorial Team
Hiscox vs Insify.fr
Where Hiscox and Insify.fr differ
| Compare |  Hiscox |  Insify.fr |
|---|---|---|
| Provider type | Insurer | Broker |
| Cover types | Public liability, Professional indemnity, Employers liability, Cyber | Professional indemnity, Property |
| Premium from | £7.20 | €11 |
| Industries | consultants, contractors, IT, freelancers, self-employed, tradesmen | independents and small businesses, food, retail, home |
| Indemnity limit | £10,000,000 | Not confirmed |
| Excess from | £250 | Not confirmed |
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
- Hiscox scores higher overall: 9.3 vs 8.8.
- Cover types: only Hiscox offers Public liability, Employers liability, Cyber.
- Cover types: only Insify.fr offers Property.
Our verdict on each
Hiscox
Hiscox is the insurer on this comparison that carries risk on its own balance sheet, with an indemnity limit of £10,000,000 for consultants, contractors and the self-employed. It suits small consultancies and trades that want a deep limit on paper and can absorb a premium of £7.20 with an excess of £250.
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 | Insify.fr |
|---|---|---|
| Cost | 9.0A premium of £7.20 paired with an excess from £250 lifts what a small claim costs you. | 9.1HigherStarting premium is €11, ranking 9 of 14 on price, so it sits mid field rather than at the lowest entry point. |
| Offer | 9.4HigherLines listed in public liability, professional indemnity and employers liability, monthly payments on the monthly model, and claims through online and phone. | 8.4 |
| Trust | 9.6Higher | 8.7 |
Licences and countries
| Country | Hiscox | Insify.fr |
|---|---|---|
| United Kingdom | Not confirmed |
Additional countries for Hiscox: 1. Additional countries for Insify.fr: 1.
What each covers
| Cover types | Hiscox | 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 | Insify.fr |
|---|---|---|
| Business insurance | 57 of 147 | 22 of 147 |
| Professional indemnity and liability insurance | 20 of 39 | 7 of 39 |
Sources behind this comparison
Hiscox
- hiscox.co.uk: 5 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- compareyourbusinesscosts.co.uk: 1 fact, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 1 fact, checked September 26, 2026
- kalkine.co.uk: 1 fact, checked September 26, 2026
Insify.fr
- insify.fr: 5 facts, checked September 26, 2026
Every fact side by side
| Fact | Hiscox | Insify.fr |
|---|---|---|
| Legal entity | Hiscox Insurance Company Limited | Not confirmed |
| Headquarters | Bermuda | Not confirmed |
| Founded | 1901 | Not confirmed |
| Support channels | Phone, Help centre | Not confirmed |
Personal insurance
| Fact | Hiscox | Insify.fr |
|---|---|---|
| Insurance types | Auto | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Cover limit | General liability: $300,000 to $2,000,000 limits | Not confirmed |
| Claims channels | Online, Phone | Not confirmed |
Where each stands against the rest
| Fact | Hiscox | Insify.fr | Median |
|---|---|---|---|
| Indemnity limit | £10,000,000highest quarter | Not confirmed | £5,000,000 |
| Excess from | £250highest quarter | Not confirmed | £50 |
Median across 11 listed insurance providers.
Pros and cons
Hiscox
Pros
- An indemnity limit of £10,000,000 ranks 1 of 11 brands on this comparison, so the cover on paper is deeper than most of the field.
- Hiscox is an insurer, so the risk stays with the company that writes the policy rather than with a broker such as WeddingPlan Insurance or a comparison site such as EverQuote.
- Monthly payments are available, and monthly is the payment model listed, so cash flow follows the month rather than the renewal date.
Cons
- The excess starts at £250, so a small claim leaves more of the bill with the business than a policy with a lower excess would.
- The entry premium of £7.20 sits above the median premium across the brands compared here, which is €8.37, so Hiscox is not the value pick at the starting price.
- The insurance type listed is auto alone, so a firm that wants motor cover in the same place has to look elsewhere for it.
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
Who it suits
- Consultants, contractors, IT freelancers, the self-employed and tradesmen, the industries Hiscox names for its business cover.
- Small firms that want depth on paper, since the indemnity limit of £10,000,000 ranks 1 of 11 brands here.
- Businesses that would rather spread the cost, since monthly payments are available on the monthly model.
Who should look elsewhere
- Readers shopping purely on entry price, because Hiscox UK quotes £5.20 against £7.20 for this brand.
- Firms that would rather have a broker place the cover, since WeddingPlan Insurance is a broker and handles the placement instead.
- People who want many insurers screened in a single search, since EverQuote is a comparison site rather than an underwriter.
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 | Insify.fr |
|---|---|---|
| France | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Hiscox
What does Hiscox business cover start at?+
Business cover is quoted from a premium of £7.20. The median premium across the brands compared here is €8.37, so the headline figure sits above the middle. Your own price will move with your trade, the limit you choose and the volume of work you handle.
What is the excess on a Hiscox claim?+
The excess starts at £250, which is the amount a claim leaves you to cover before the insurer steps in. A policy priced at £7.20 can still cost more than a dearer rival if the excess is set high, so read both figures together before you choose.
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.