Zensurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Zensurance is a broker rather than an underwriter, and it suits small businesses that want public liability, professional indemnity, cyber and property arranged by the same broker, rather than shopping each line separately. The median starting premium for business insurance on this comparison is €8.37.
Key facts
- Best for
- Small businesses bundling public liability, professional indemnity, cyber and property through a broker.
- Provider type
- Broker (Source, checked September 26, 2026)
- Cover types
- Public-liability, Professional-indemnity, Cyber, Property (Source, checked September 26, 2026)
- Official website
- zensurance.com
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- Cover runs across public liability, professional indemnity and cyber, so liability, cyber and premises cover come from the same broker.
- Provider type is a broker, broker, which suits businesses that prefer cover placed on their behalf.
- Typical indemnity limit for business insurance on this comparison is €3,486,547.74, so there is a sensible level to aim at.
Cons
- A broker places cover rather than setting the terms, broker, so wording and price are shaped by the underwriter it uses.
- Cover runs to the lines in public liability, professional indemnity and cyber, so businesses needing anything outside that list need another provider.
- Starting premiums across this comparison run €0 to €319.60, so quotes can sit far apart.
Ready to try Zensurance?
Scored 9.0 / 10 by AssureCue.
Who it suits
- Small businesses needing public liability and professional indemnity handled together: public liability, professional indemnity and cyber.
- Businesses holding customer data or insuring their premises, since cyber and property sit in public liability, professional indemnity and cyber.
- Shoppers who prefer an intermediary placing the cover, given the provider type is a broker, broker.
Who should look elsewhere
- Buyers who want to deal with the underwriter directly: Hiscox UK is an insurer, insurer.
- Buyers after an insurer rather than a broker: EuroAsia Insurance is an insurer, insurer.
- Anyone whose only need is public liability: WeddingPlan Insurance lists public liability.
How Zensurance compares
9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.0
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.3- 9.0 vs 9.3
9.0 vs 9.3Max Life Insurance
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2- 9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.6- 9.0 vs 8.4
- 9.0 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
Frequently asked questions
Is Zensurance an insurer or a broker?+
Zensurance is a broker, with the provider type recorded as broker. Cover is therefore arranged with an underwriter rather than written by Zensurance, so the wording and price come from the insurer placed on the policy. That suits businesses who would rather the placement and renewal were handled for them.
What cover does Zensurance offer?+
The lines listed are public liability, professional indemnity and cyber. Public liability and professional indemnity handle the everyday exposures of trading, while cyber covers data risk and property covers the premises. Taking several of these through the same broker keeps the renewal in a single place.
What does business insurance cost on this comparison?+
The median starting premium for business insurance here is €8.37. The middle set of listings runs €4.06 to €29.59, and the highest starting premium listed reaches €319.60. Budget against the median, since the top end sits well above it.
What indemnity limit do these policies usually carry?+
The typical indemnity limit for business insurance on this comparison is €3,486,547.74. The middle set runs €1,458,053.49 to €5,810,912.89, and the full spread runs €876,962.20 to €11,621,825.79. Compare the limit against the size of claim your trade could attract.
Can I take public liability and professional indemnity together?+
Both sit in public liability, professional indemnity and cyber, so a business can place them through the same broker. Public liability is the most common line in the public liability comparison at 100%, and professional indemnity covers 63.6% of the same listings, so pairing them is a common request.
Are cyber and property cover available as well?+
Cyber and property both appear in public liability, professional indemnity and cyber alongside the two liability lines. Cyber matters when you hold customer data, and property covers the premises and contents. Across business insurance here, property cover appears in 55.8% of the listings, so it is a normal addition rather than a specialist extra.
How does a broker differ from a direct insurer?+
Zensurance's provider type is a broker, broker, while Hiscox UK and EuroAsia Insurance are insurers, insurer and insurer. With a broker the placement and renewal are handled on your behalf; with an insurer you deal directly with the company carrying the risk.
What should I check before buying business cover through a broker?+
Start with the lines, since public liability, professional indemnity and cyber sets what the broker can arrange. Then read the indemnity limit against the typical €3,486,547.74 seen here, and budget around the starting premium typical of business insurance here, €8.37.
Sources
- zensurance.com checked September 26, 2026
Backs: Cover types, Provider type
“Commercial General Liability Insurance, Commercial Property Insurance, Cyber Liability Insurance, Professional Liability Insurance”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: Indemnity limit, Premium from.
Related by the facts
Zensurance
Small businesses bundling public liability, professional indemnity, cyber and property through a broker.