Appetite Guide

Thimble is the most flexible General & Professional Liability Insurance for Small Business.

Thimble works when you do — coverage by the hour, day, or month for Handymen, Contractors, Landscapers, Cleaners, Janitors, Photographers and more.

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Contractors + Handymen Insurance

Available Coverage: General Liability, Inland Marine, Business Owner's Policy*
  • Carpentry*
  • Chimney Cleaning*
  • Closet Installation*
  • Concrete Work (No Foundation Work)*
  • Contractors (sub use up to 50%)
  • Debris Removal
  • Deck Building*
  • Drywall Installation
  • Electrical Work* (interior and exterior)
  • Fence Building*
  • Flooring*
  • Framing
  • Furniture Installation – Offices or Stores*
  • Furniture Assembly – Non-Wood and Wood (No Cribs or Bunk Beds)
  • Furniture Refinishing*
  • Glaziers
  • Gutter Cleaning*
  • Handymen*
  • HVAC* (Heating, Ventilation, and Air Conditioning Installation, Maintenance, or Repair)
  • Invisible Fence Installation*
  • Locksmiths*
  • Masonry*
  • Office Machines* (Installation, Inspection, Adjustment, Servicing, or Repair)
  • Painting* (Interior and Exterior)
  • Plastering*
  • Plumbing (Commercial + Residential)
  • Roofing
  • Siding Installation
  • Sign Installation, Servicing, and Repair*
  • Stucco Work*
  • Surveillance System Installation, Servicing, and Repair*
  • Surveyors* (Not Performing Actual Construction)
  • Swimming Pool Servicing* (No Construction)
  • Tile, Stone, Marble, Mosaic or Terrazzo Work – Interior Construction*
  • Upholstering*
  • 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
  • Crane Operators
  • Fire or Water Mitigation or Restoration
  • Foundation Work or Repair
  • Those specializing in Garage Door Installation, Servicing or Repair
  • Forklift Operator
  • Grading or Excavating
  • LPG (propane) connections
  • Machinery or Equipment Repair (Other Than Office Machines And Household Appliances)
  • Mechanics
  • Pool Construction
  • Roadside assistance
  • Street, Road, and Highway Work
  • Traffic Control
  • Welding
  • Hazardous Waste Removal

Crafters + Makers

Available Coverage: General Liability, Product Liability, Inland Marine
  • Apparel makers
  • Candlemakers
  • Jewelry makers
  • Leatherworkers
  • Soapmakers
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Fireproof and/or fire resistance clothing or textiles are not covered
  • Infant, baby and/or toddler clothing is not covered
  • Our policies are not designed to cover apparel makers with annual sales over $500,000 (they are intended for artisans selling through online retailers and at physical stands)
  • Our policies are not intended to cover industrial apparel manufacturing facilities
  • Safety or protection gear is not covered, including personal protection equipment (ppe) clothing, face masks/shields, eye wear or gloves

Events + Entertainment Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner's Policy*
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*
  • Musical Conductors*
  • Musicians*
  • 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 Operators or rental (including Bouncy Castles)
  • Any wrestling or MMA related activities
  • ATV Tours
  • Bartending
  • Bouncers
  • Exotic Dancers, Strippers, or Adult Entertainment
  • Event Promoters
  • Horseback Trail Rides
  • Activities Involving Hunting
  • Hypnotists
  • Operations Involving Non-Domestic Animals
  • Operations Involving Weapons
  • Participating in Protests, Rallies and/or Marches
  • Rock Climbing
  • Skiing or Snowboarding Guides
  • Importing, manufacturing, growing, distributing, storing, selling, using or ingesting marijuana or any product of the plant Cannabis Sativa L (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

Fitness + Personal Trainers Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner's Policy*
  • Aerobics Instructors*
  • Dance Instructors*
  • Fitness Instructors*
  • Golf Instructors*
  • Martial Arts Instructors*
  • Personal Trainers*
  • Pilates Instructors*
  • Spin Instructors*
  • Swim Instructors*
  • Tae Kwon Do Instructors*
  • Tai Chi Instructors*
  • Yoga Instructors*
  • Zumba Instructors*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Acupuncture Services
  • Massage Therapists
  • Occupational Therapists
  • Physical Therapists
  • Personal Enhancement Facilities
  • Please note that our policies are not intended to cover liability arising out of the ownership of fitness centers or gyms. They are intended to cover independent instructors performing services, usually on others’ premises (e.g. a personal trainer training a student at a gym owned by someone else)

Freelancers + Consultants Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner's Policy*
  • Administrative Services*
  • Advertising and Marketing Consultant*
  • Call Center Representative*
  • Classroom Instruction
  • Computer Programming*
  • Computer Repair*
  • Court Clerks*
  • Creative Directors*
  • Graphic Designers*
  • House Sitting*
  • Interior Decorating*
  • IT Consultants*
  • Notaries*
  • Paralegals*
  • Personal Shoppers*
  • Photographers*
  • Printing*
  • Sound Recordists*
  • Speakers*
  • Translation Services
  • Web Designers
  • Web Developers
  • Writers*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Work performed before or after the policy period
  • Alarm System Monitoring
  • Babysitters and nannies
  • Bouncers
  • Elderly care
  • Home health care
  • Inspectors
  • Lifeguards
  • Rideshare drivers
  • Roadside Assistance
  • Security guards
  • Training or Instruction demonstrated on real patients
  • Traffic Control
  • Search Engine Optimization
  • Crane Training Services
  • Machinery Training Services
  • Military Training Services
  • Police Training Services
  • Any acts or services performed by the insured that is not licensed or certified to perform such acts or services if such licensing or certification is required by law
  • Any acts or services as an investment advisor, financial planner, registered representative or broker/dealer of securities or commodities, mortgage banker or investment banker
  • Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)

Hair + Beauty Professionals Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner's Policy*
  • Barbers*
  • Beautician*
  • Hair Stylists*
  • Nail Artists*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Spa owners
  • Tattoo or Piercing Artists
  • Spa services involving dangerous or inflammatory chemicals, tattooing or body piercing, or any other services determined to be excessively dangerous
  • Please note that our policies are not intended to cover liability arising out of the ownership of salons. They are intended to cover independent stylists or professionals performing services on a client, often on others’ premises (e.g. a beautician traveling to a wedding venue for a bride)

Janitors + Cleaners Insurance

Available Coverage: General Liability, Inland Marine, Business Owner's Policy*
  • Car / Boat / Vehicle Washing or Detailing
  • Cleaners and Janitors*
  • Floor Waxing*
  • Housekeepers*
  • Janitorial Services*
  • Office Cleaning*
  • Pressure Washing*
  • Window Cleaning*
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)
  • Please note that our policies exclude coverage for personal property when it is in your care, custody, and control (e.g. if you’re detailing a car, damage you case to the car itself would not be covered)

Landscaping Insurance

Available Coverage: General Liability, Inland Marine, Business Owner's Policy*
  • 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
  • Bed bug remediation
  • Fumigation/use of gas
  • Grading or Excavating
  • Highway or right of way maintenance
  • Logging
  • Pool Construction
  • Tree Removal
  • Use of pesticides that are not EPA approved
  • Termite inspection or remediation
  • Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)

Pet Sitters Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner's Policy*
  • Pet Grooming*
  • Pet Services*
  • Pet Sitting*
  • Pet Training*
  • Pet Walking*
Ineligible Operations (Policies do not cover work performed before or after the policy period)
  • Please note that our policies exclude coverage for damage to pets while they are in your care, custody, or control (e.g. if you’re walking a dog and the dog you’re walking is injured, the injury to the dog would not be covered)

Photographers + Videographers Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine, Business Owner's Policy*
  • Photographers*
  • Videographers
Ineligible Operations (Policies do not cover work performed before or after the policy period)

Questions? Contact us at brokers@thimble.com

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