Appetite Guide

General + professional liability coverage is offered for select activities, and general liability is available for all activities below.

To sell short-term insurance, sign up to be a broker or log in to your broker account.

General liability is available in 48 states and D.C. (not available in NY and WA). Professional liability is rolling out state by state, and is currently available in AZ, PA, NJ, and MI. See full coverage map.

Contractors + Handymen Insurance

Available Coverage: General Liability
  • AV Installation
  • Alarm Systems Installation & Repair
  • Carpentry
  • Carpentry – Interior
  • Carpet Cleaners
  • Closet Installation
  • Contractors
  • Debris Removal
  • Deck Building
  • Electrical
  • Fence Building
  • Finish Carpentry
  • Finishing Contractors
  • Flooring
  • Furniture Assembly (No Cribs or Bunk Beds)
  • Furniture Installation – Office
  • Furniture Refinishing
  • Glaziers
  • Handypersons
  • Interior Painting
  • Invisible Fence Installation
  • Locksmiths
  • Masonry
  • Millwork
  • Office Furniture Installation
  • Office Machine Installation & Repair
  • Painting & Siding
  • Piano Tuning
  • Seal Coating
  • Siding
  • Small Contractors (including Finishing Contractors)
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Surveyors
  • Swimming Pool Servicing (No Construction)
  • Tiling
  • Upholstering
  • Walls
  • Wallpapering
  • Window Decorating
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Alarm System Monitoring
  • Assembly of Cribs or Bunk Beds
  • Demolition
  • Fire or Water Mitigation or Restoration
  • Foundation Work or Repair
  • Those Specializing in Garage Door Installation, Servicing, or Repair
  • Grading or Excavating
  • Machinery or Equipment Repair (Other Than Office Machines And Household Appliances)
  • Pool Construction
  • Roadside Assistance
  • Roofing Work or Repair
  • Street, Road and Highway Work
  • Traffic Control
  • Welding
  • Performing Work over Three Stories in Height (30 Feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development

Events + Entertainment Insurance

Available Coverage: General Liability, Professional Liability
Events
  • Actors
  • Corporate Party Planners
  • Event Staff
  • Food / Catering (No Bartending)
  • Individual event participants (not the event itself)
  • Musicians
  • Speakers
  • Wedding Planners
Entertainers
  • Balloon Artists
  • Belly Dancers
  • Caricature Artists
  • Celebrity Look-a-Likes
  • Clowns
  • Comedians
  • Contortionists
  • DJs
  • Face Painters
  • Impersonators
  • Impressionists
  • Jugglers
  • Magicians
  • Mimes
  • Musicians
  • Musical Conductors
  • Poets
  • Puppeteers
  • Santas
  • Storytellers
  • Street Performers
  • Ventriloquists
Guides
  • Canoe & Kayak Guides / Instructors
  • Fishing Guides
  • Float Trip Guides
  • Hiking Guides
  • Tour Guides
  • Nature and Wildlife Guides
  • Stand Up Paddleboard (SUP) Guides
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Acrobatic, Aerialist, or Stunt Performers
  • Adult Film Operations
  • Amusement Device, Rides or Inflatables (including Bouncy Castles) Operators or Rental
  • ATV Tours
  • Bartenders
  • Bouncers
  • Equipment Rental
  • Event Promoters
  • Exotic Dancers, Strippers, or Adult Entertainment
  • Fireworks
  • Horseback Trail Rides
  • Hunt Clubs
  • Hypnotists
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any other product of the plant Cannabis Sativa (whether or not it is the main ingredient or used in combination with other ingredients)
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting tobacco or
  • products containing tobacco

  • Operations Involving Non-Domestic Animals
  • Operations Involving Weapons
  • Participating in Protests, Rallies and/or Marches
  • Rock Climbing
  • Security Guards
  • Skiing or Snowboarding Guides
  • Traffic Control
  • White Water Rafting Guides
  • Wrestling or MMA-related activities

Fitness + Personal Trainers Insurance

Available Coverage: General Liability, Professional Liability
  • Aerobics Instructors
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Martial Arts Instructors
  • Personal Trainers
  • Spin Instructors
  • Swim Instructors
  • Tai Chi Instructors
  • Yoga Instructors
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Acupuncture Services
  • Massage Therapists
  • Occupational Therapists
  • Physical Therapists

Freelancers + Consultants Insurance

Available Coverage: General Liability, Professional Liability
  • AV Installation
  • Business Consultants
  • Car AV Installation
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Creative Directors
  • Financial Consultants
  • Graphic Designers
  • House Sitting
  • Interior Decorating
  • IT Consultants
  • Marketing Consultants
  • Personal Shoppers
  • Sound Recordists
  • Speakers
  • Web Developers
  • Writers
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Adult Film Operations
  • Alarm System Monitoring
  • Any acts or services performed by an unlicensed or uncertified insured if such licensing or certification is required by law
  • Babysitters and Nannies
  • Bouncers
  • Elderly Care
  • Financial Planners
  • Home Health Care
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any other product of the plant Cannabis Sativa (whether or not it is the main ingredient or used in combination with other ingredients)
  • Inspectors
  • Investment Advisors
  • Lifeguards
  • Mortgage Bankers or Investment Bankers
  • Registered Representatives or Brokers/Dealers of Securities or Commodities
  • Rideshare Drivers
  • Roadside Assistance
  • Security Guards
  • Traffic Control
  • Training or Instruction Demonstrated on Real Patients

Hair + Beauty Professionals Insurance

Available Coverage: General Liability, Professional Liability
  • Barbers
  • Cosmetologists
  • Estheticians
  • Hair Stylists
  • Nail Artists
  • Salon Owners
  • Spa Owners
Ineligible Operations (Policies do not cover work performed before or after the policy period)

Janitors + Cleaners Insurance

Available Coverage: General Liability
  • Car / Boat / Vehicle Washing or Detailing
  • Housekeepers
  • Janitorial Services including Carpet and Window Cleaning
  • Office Cleaning
  • Pressure Washing
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Inspectors
  • Floor waxing during business hours or in commercial buildings with heavy foot traffic (malls, grocery / convenience / drug stores, hospitals, airports)
  • Performing Work over Three Stories in Height (30 Feet)

Landscaping Insurance

Available Coverage: General Liability
  • Landscaping
  • Lawn & Yard Maintenance
  • Pesticide Application (Landscapers Only)
  • Trimming or Pruning Trees Exclusively at Ground Level (No Removals)
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Aerial Crop Spraying
  • Bedbug Remediation
  • Fumigation / Use of Gas
  • Grading or Excavating
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any other product of the plant Cannabis Sativa (whether or not it is the main ingredient or used in combination with other ingredients)
  • Highway or Right of Way Maintenance
  • Pool Construction
  • Termite Inspection or Remediation
  • Use of pesticides that are not EPA approved
  • Performing Work over Three Stories in Height (30 Feet)
  • Work performed before or after the policy period

Pet Sitters Insurance

Available Coverage: General Liability, Professional Liability
  • Pet Grooming
  • Pet Sitting
  • Pet Training
  • Pet Walking
Ineligible Operations (Policies do not cover work performed before or after the policy period)

Photographers + Videographers Insurance

  • Photographers
  • Videographers
Ineligible Operations (Policies do not cover work performed before or after the policy period)

Questions? Contact us at brokers@thimble.com

Coronavirus and your business

We know your small business has likely been impacted, so we've put together some resources that we think may be useful.