Is Exali insurance worth it? A full review + our exclusive 2026 promotion code

The intensity of entrepreneurship and freelancing has dramatically risen over the past decade. Fulfilling professional goals driven by passion is commendable, but how do you resolve issues like data breaches, client disagreements, or accidental injury in the workplace? To deal with such events efficiently and without incurring heavy losses, you need suitable protection measures. That’s where business insurance comes in; this is not just a bureaucratic decision, but a strategic safety net.

If you have recently started your business and are seeking agile, digital-first insurance solutions in Germany, check out Exali. Encountered this name before? What does this insurance cover? Is it worth the investment? This guide will give you the answer. And yes, we’ve also secured an exclusive Exali promotion code for 2026.

What exactly is Exali?

Based in Germany, Exali is a fully digital insurance broker and provider whose services helped simplify business insurance. Established in 2014, its core mission is to provide personalized, transparent, and easily manageable business insurance policies for its target audience, comprising freelancers, self-employed, and small to medium-sized enterprises (SMEs).

Unlike traditional insurance brokers, all of Exali’s services are operated online via a user-friendly platform, including quote generation, adjusting coverages, and policy management. They offer a mix of their own branded products and are also partnered with established insurers, like AXA and Zurich, providing a comprehensive suite of coverage.

The pros

What makes Exali distinct from its competitors is its user-friendly platform and tailored policies. As the insured, some of the key benefits you can enjoy are:

Unmatched digital experience: Since Exali is fully digital, from quote to claim, the overall process is streamlined and intuitive. You can access its services via its online portal or through its dedicated app, and can purchase a policy without lengthy paperwork or phone calls. This is a time-saving approach for digitally-native professionals.
Transparency and simplicity: Insurance jargon is a headache for the insured. However, Exali overcame this hurdle with its German-supported coverage. You know exactly what you’re paying for, what’s covered, and what the deductibles are, with no hidden clauses.
Flexibility and modularity: A one-size-fits-all package does not suit everyone. In Exali, you get a custom insurance portfolio. For example, you can start with essential professional liability insurance and add modules, such as cyber insurance, legal expense protection, or contents insurance, as your business scales.
Speed and accessibility: You receive a quote online within minutes and even adjust coverage (e.g., increasing your sum insured) in just a few clicks, effective immediately. This proves Exali’s agility as a fast-moving business.
Competitive pricing for the target audience: Exali’s digital-first model keeps overheads low and passes these savings on to customers. With competitive entry-level prices, it is ideal for freelancers and solo entrepreneurs.

The cons

No insurance provider can deliver perfect coverage that fits all their clients’ demands, and Exali has its fair share of drawbacks.

Primarily digital support: As a fully digital platform, Exali’s support system is also built around online self-service. If you are the type of person who prefers a transparent conversation with a dedicated agent for every question, the digital-only approach might feel impersonal.
Targeted niche: Exali’s target audience is clearly freelancers, startups, and SMEs in industries related to tech, creativity, and consulting. That is why large corporations, manufacturing businesses with complex physical risks, or highly regulated professions (lawyers or doctors who require specialized professional indemnity) will have to work with a more traditional, specialized broker.
Limited brand recognition of their own products: Despite partnerships with big names like AXA, their in-house insurance products are still new to the market. Since people are often hesitant to try new financial products, Exali may not be able to offer that traditional backing and psychological comfort.

Who is the ideal Exali customer?

As stated above, Exali’s target consumers are mostly limited to a professional background. While not designed for everyone, Exali’s products and services are perfect for its target market. So, who are they? Their insurance products work best for;

Freelancers (e.g., graphic designer, software developer, copywriter, consultant)
A startup owner or SME owner looking to get their company insured quickly.
Digitally savvy individuals who prefer to manage admin online.
Those searching for transparent, month-to-month contracts without long-term lock-ins.
Needs to build insurance coverage incrementally as the business scales.

If you fall under these categories, Exali is almost certainly worth a serious look.

Claim your exclusive 2026 promotion code

Now that you’ve done the research. Let’s secure your coverage and save some money while you’re at it. Using a special and exclusive Exali promotion code during the checkout process will get you a discount on your first year of coverage. Using this promotion code will offer you a sense of relief that you are safeguarding your business while keeping more of your hard-earned revenue.

How to use your code?

Visit the Exali website and choose the insurance you need (e.g., Professional Indemnity).
Complete the simple online questionnaire correctly and get your personalized quote.
Before finalizing your purchase, navigate to the “Promo Code” field.
Enter the CODE to receive the discount.
Your purchase is now complete.

Our verdict – Is Exali worth it?

If you are a freelancer or run a modern SME, yes, Exali is definitely worth the investment. You trade the hand-holding of a traditional broker for Exali’s significant cost savings, unparalleled flexibility, and a frictionless user experience. You will have peace of mind knowing that you have protected your business against professional mistakes, cyber attacks, or legal disputes.

Exali’s fully online platform empowers you to understand and actively handle your risk management.

Disclaimer: This article is for informational purposes only and does not constitute professional insurance advice. Please review all policy terms and conditions directly with Exali to ensure the coverage meets your specific needs. The promotion code is subject to availability and terms set by Exali.