Exali Insurance review 2025: Is it worth it for freelancers?

(Plus: An exclusive 10% promo code)

The industry of freelancing has evolved tremendously over these few years, becoming challenging to keep up. Despite the biggest perk of autonomy, the reality strikes with compliance requirements. So, how do you shield yourself, your work, and your income against unforeseen setbacks? 

This is where professional indemnity and business insurance demonstrates its significance, especially in a market as dynamic as Germany’s. Interested now? Among the pool of providers, Exali is a popular choice. But it is reliable? What about its coverage? To find the answers to such questions, join us as we explore whether Exali is the right tool for your freelance venture in 2025.

Who is Exali, and what do they offer freelancers?

Founded in Germany, Exali is a digital insurance provider that prioritizes the specific needs of the self-employed, freelancers, and small to medium-sized enterprises. In contrast to traditional insurers bogged down by ton of paperworks and slow processes, the core operation of Exali is online, offering a streamlined, user-friendly channel for purchasing and managing policies.

For freelancers, Exali offers the Professional Indemnity Insurance. If you provide advice, services, or is into creative work, this is a non-negotiable investment. Its a financial security against claims of negligence, errors, or omissions.

Key coverage areas of Exali’s professional indemnity insurance

• Liability for financial loss: If a client undergoes a financial loss due to your faulty advice or a miscalculation (e.g., a software bug, an incorrect legal analysis), the insurance covers the damages.
• Infringement of Rights: Covers claims of unintentional copyright, trademark, or patent infringement in your work.
• Data protection breach costs: If you accidentally lose client data or suffer a security breach, this covers the costs.
• Legal defense costs: Even with an unfounded claim, defending yourself in court can be difficult. In such cases, this insurance covers your legal fees.
• Modular add-ons: Exali offers flexible products and services. You can add coverage for cyber attacks, legal expense insurance (Rechtsschutzversicherung), or electronic equipment insurance to get yourself a bespoke safety net.

The 2025 verdict – Pros and cons for a freelancer

After analyzing several user reports, policy documents, and market trends, here’s our balanced assessment about Exali.

The Pros

Why Exali stands out?

• Digital-first: The entire process, from receiving a quote to filing a claim, is designed for the digital native audience. Both its website and app are intuitive and simplistic, removing the hindrance commonly associated with insurance processes.
• Transparent pricing & flexibility: Exali provides a clear, monthly subscription-like pricing. Since there are no hidden fees, you can seamlessly adjust your coverage or cancel with reasonable notice, which is perfect for the fluctuating income of a freelancer.
• Focus on relevant risks: Exali’s policies are not like those standard coverages. They are especially curated to serve modern professions like IT consultants, graphic designers, marketing experts, and coaches. What’s more, many of their policies includes data protection and IP infringement coverage as standard, giving a significant advantage from its competitors.
• Strong customer service reputation: Despite being fully digital, Exali maintains 24/7 accessible customer support via phone and email. They are consistently praised for being responsive and helpful service team when questions or claims arise.

The Cons

Considerations before you buy:

• Not the absolute cheapest: While Exali does have a significant edge, it is not the rock-bottom cheapest option in the market. With Exali, you are investing in a specialized, user-friendly service and comprehensive coverage. The value is in the quality, not just the price.
• Policy limits: Like any other insurance policies, it’s vital to check the coverage limit  (Deckungssumme). If you are protecting very high-value projects, adjust your limit upwards, which will obviously increase the premium. Always ensure the default limit matches your risk profile.
• Medical check for certain professions: Some regulated professions (e.g., certain medical or financial advisors) may demand a more detailed application process.

Who is Exali really for?

Can you get an Exali insurance? If you fall in any of the following category, you are the right customer for it.

• Digital freelancers: Web developers, UX/UI designers, content creators, SEO specialists, and social media managers.
• Creative professionals: Graphic designers, photographers, writers, and translators.
• Consultants & coaches: Business, marketing, and career coaches, as well as management and IT consultants.
• Any freelancer with clients: If a client can sue you for a mistake, you need this insurance.

Securing your exclusive 10% discount

To offer some financial relief to those running solo business, we’ve partnered with Exali and secured an exclusive, money-saving offer – the Exali promotion code.

When checking out of the Exali website after purchasing a policy, use the code “ABILLIO10” to receive a 10% discount on your first year of premium. This makes an already valuable investment into a smart, financially savvy one. You receive a top-tier professional protection without the initial cost barrier. 

Is Exali worth it in 2025?

Without a doubt. For the many freelancers based in Germany, Exali represents the perfect blend of modern convenience and essential, professional-grade coverage. Its fully digital landscape eliminates the headache, while the personalized policies address real-world risks, and the transparency makes it reliable, building trust.

When looking for insurance coverages, it is always wise to get a few quotes; however, Exali consistently ranks highly for its target audience. With its flexibility to customize coverage, you only pay for what you need. And with options to add modules like cyber insurance, you can easily future-proof your business while scaling. Since the world of freelancing is not stable yet, it is best to have a peace of mind by securing an appropriate insurance. Exali provides just that. 

Are you now prepared to create a safer, more secure freelance business? Visit Exali’s website now, configure your tailored professional indemnity insurance, and enter the exclusive Exali promotion code to claim your 10% discount.

Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Insurance terms, conditions, and pricing are subject to change. Please refer to Exali’s official website and policy documents for the most current information and full details of coverage.