Business Equipment Protection

All your equipment covered, wherever you work. 

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What is Business Equipment Protection?

Business Equipment Protection is insurance for equipment you own and use for work.

From a chainsaw to a curling iron, if you use it on the job, there’s a chance that it could get damaged. And while general liability insurance protects damage to your clients’ property, Business Equipment Protection is coverage for your stuff.

In the insurance world, this kind of policy is technically called “Inland Marine insurance” (you know insurance: always keep things interesting).

Because so many of our clients are constantly on the go while working, this is the ideal way for them to protect their property that is essential to being able to do their job properly.”

The content on this page has been verified by
Terri Hitchcock, JD
Chief Insurance Officer, Thimble
Terri has 38 years of industry experience and knows a thing or two about insurance, so she reviewed and approved everything on this page.

What does Business Equipment Protection cover?

Your Equipment

Anytime, anywhere. Business Equipment Protection is designed for freelancers and independent workers: it covers the cost of damages to your equipment that occur wherever you work.

Property in Your Care

If you rent equipment, keep a customer’s appliance in your shop while you’re repairing it, or borrow a tool from a colleague, Business Equipment Protection will also cover replacement costs in the event of an accident.

Heads up! Business Equipment Protection will not cover vehicles.

Who needs Business Equipment Protection?

It’s safe to assume that every job involves some kind of owned equipment (Hey, even mimes have suitcases … ). Business Equipment Protection is offered for all 140+ professions we cover, so no matter what you do, insurance for equipment by Thimble helps you do it with confidence.

Let’s look at an example: say you’re a flooring specialist who works out of a home shop. If you’ve been cutting materials for a project and your table saw is stolen while you went to lunch, you probably couldn’t file a claim for it under your homeowner’s or renter’s policy, because it was work-related. This is where Business Equipment Protection comes into play—to cover stuff you’re using while you’re working.

How much does it cost?

The cost of Business Equipment Protection is determined by just a few things: what you do, where you work, and how long you’ll need coverage. Business Equipment Protection is only available currently with Thimble Monthly policies.

Some jobs require more expensive gear than others, so we offer two coverage limits: $1000 and $2500, both with a $500 deductible. You pay the premium you’re quoted, and if anything happens to your equipment, you’re covered up to the limit you select—it’s just that simple.

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  • What do you do for a living? Contractor
  • Enter your business zip code 22401
  • Choose your coverage Monthly
  • Do you have anyone working with you? Me +3

What other kinds of business insurance do I need?

These are the essential types of insurance for businesses big or small.

General Liability Insurance

Protects policyholders against risks like accidental bodily injury, property damage, and advertising injury to a third party. This coverage is essential for businesses operating across a range of industries.
Learn more

Professional Liability Insurance

Designed to protect against errors & omissions claims—i.e., allegations that a job has been done improperly and resulted in monetary or reputational damage—is essential for a range of professionals, from consultants to photographers.
Learn more

Workers’ Comp

Essential if your business has employees or workers of any kind. This coverage applies to medical expenses and lost wages associated with work-related injuries and illnesses.

Learn more about small business insurance


Business Equipment Protection FAQ

How does Business Equipment Protection differ from equipment insurance?

Business Equipment Protection, also known as inland marine insurance, covers items that you use anywhere you perform your business services. Equipment insurance, however, is a different type of policy that protects your equipment at a stationary place of business, such as a retail store, commissary, or repair shop.

Why would I need to list the make and model of an item?

This is only required for items valued over $2,500. This is meant to minimize fraudulent claims and to help us ensure that, if a claim were to be filed, you’d be paid the right amount of money.

Why can’t I purchase Business Equipment Protection on a short-term policy?

In an effort to reduce fraudulent claims, our insurance for equipment is only available for our Thimble Monthly policies. This will give you Business Equipment Protection throughout the duration of your Thimble Monthly policy. If you would like to purchase Business Equipment Protection, you would need to upgrade from Thimble On Demand to a Thimble Monthly policy.

How are Business Equipment Protection claims handled?

All claims are handled by Sedgwick. If you need to file a Business Equipment Protection claim, visit

Rated “Excellent” on Trustpilot.

“This is so convenient. I work freelance in everything I do, from music, to photography, fitness, education, and to various contractor work. The ability to hold insurance for each job individually is indispensable. Some jobs pop up in an instant, and I am covered within minutes.”

Thimble Insurance customer Kgoody in white shirt and belt for beauty insurance


Thimble Insurance Customer


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Policies are backed by A-rated insurer and global leader Markel Insurance Company.

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We’re a small business too.

100,000 policies sold

Thimble’s trusted by 30,000 small businesses.

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Business Equipment Protection Availability

Our new products roll out state by state. Check the map to see what coverage is available in your state.

  • General Liability
  • General + Business Equipment Protection