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Insurance

The best alternatives to Orus in 2026

Looking for an alternative to Orus to insure your activity in France (professional liability, multi-risk, ten-year construction liability)? Orus is a complete and fast French neo-insurer (from €13/month), but depending on your budget or your need for income protection and health cover, other insurers may suit you better. Here are 4 alternatives we recommend to freelancers registered in France.

Our selection

SimplisProfessional liability from €9.99/month · ten-year construction liability from €69 incl. VAT/month (French offer)

100% digital broker: professional liability from €9.99/month and ten-year construction liability for independent workers in France

Broker that compares several insurers: professional liability from €9.99/month, handy to get the best price for your activity.

Read our review of Simplis
  • Professional liability from €9.99/month incl. VAT, with legal assistance included in the contract
  • Up to €9 million of damages covered, €200 deductible on the entry profile
  • Over 1,300 activities covered, from consultants to building tradespeople
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Why look for an alternative to Orus?

  • The price depends on your line of work: Orus starts at €13/month but climbs with the activity and guarantees. Simplis (from €9.99) and Insify (from €11) can be cheaper depending on your profile.
  • You also want income protection and health cover: Orus offers TNS health insurance, but for real income protection, Wemind and Stello go further.
  • You want the lowest entry price: Simplis starts at €9.99 a month for a micro-entrepreneur's professional liability.
  • Express subscription: Insify delivers a certificate in under 2 minutes if speed matters most.

For an all-round French professional insurance, Orus is a very good choice, but get a quote elsewhere too, because professional liability pricing varies a lot from one line of work to another.

Our review of Orus
Why we recommend it (and its limits)
Compare two tools
Side-by-side analysis

Frequently asked questions about Orus

For professional liability, Simplis starts at €9.99/month and Insify at €11/month, against €13/month at Orus. The final price depends on your line of work: compare quotes with equivalent guarantees.

Insify, Stello, Simplis and Wemind are all French and designed for independent workers registered in France, with online subscription.

Both are neo-insurers for independent workers. Orus covers manual trades and ten-year construction liability widely; Insify is ultra fast for service activities. Compare quotes for your exact activity and pick the best guarantees-to-price ratio.

Contracts usually have no commitment and can be cancelled after one year (Hamon law, in France). Subscribe to the new contract (immediate certificate at Insify, Stello or Simplis) before cancelling the old one to stay covered without a gap.