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Benefits of business insurance via Approly — best price for liability and cyber
15+ insurance carriers
Tryg, If, Topdanmark, Folksam, Allianz, Lloyd's syndicates and industry specialists.
Industry-specialized policies
We find carriers that actually cover your sector. Cyber for fintech, product liability for e-commerce, professional indemnity for consulting.
Save up to 40% annually
Our users typically save 20-40% by comparing — especially businesses that haven't renegotiated in 2+ years.
Expert assessment included
Get advice on cover amount, deductible and which add-ons actually make sense for your business.
Business insurance comparison: Approly vs. traditional insurance broker
Brokers earn commission from the insurer — Approly works for you:
| Approly | Standard | |
|---|---|---|
| Carriers compared | 15+ | Broker's favorites (3-5) |
| Time to quote | 24-48 hours | 1-2 weeks |
| Hidden commission | No, transparent | Yes (typically 10-25%) |
| Industry specialists | Included | Rarely |
| Price to you | Direct carrier price | Carrier price + commission |
How to get business insurance in 4 simple steps
- 1
Describe your business
Industry, employees, revenue and risks you want covered.
- 2
We find matching carriers
Only carriers that cover your industry and size are shown.
- 3
Receive multiple quotes
Concrete quotes with cover amount, deductible, premium and conditions.
- 4
Choose and bind
Bind directly with the carrier — without broker commission on top.
Business insurance for every industry — cyber, liability and product
We have specialized policies for:
Top 5 business insurance providers — side by side
We've put the five most-used business insurance providers for European and US SMEs next to each other on the numbers that actually decide the call: pricing model, claims speed, who they're best for, and what to watch out for.
| Provider | Pricing | Quote time | Best for | Watch out for |
|---|---|---|---|---|
| Hiscox | From €25/mo (PI + GL) | Online quote in 5 min | Consultants, agencies, IT professionals across EU/UK | Limited cover for high-risk trades (construction) |
| AXA | From €40/mo | 1–2 days via broker | Established SMEs needing bundled cover (property + liability + cyber) | Tied to broker network in some markets |
| Zurich | Custom, typically €60+/mo | Broker-led, 2–5 days | Manufacturing, larger SMEs with international exposure | Min premium often €1,500/year |
| Vouch | From $79/mo (US only) | Online quote in 10 min | US tech startups — D&O, E&O, cyber bundled | US only, B-Corp customers only |
| Next Insurance | From $25/mo | Instant online | US small contractors, freelancers, e-commerce | Limited custom underwriting |
Frequently asked questions about business insurance
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Frequently asked questions about business insurance
Compare business insurance now
Get concrete quotes from 15+ insurance carriers within 48 hours — free and without obligation.
Popular comparisons
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