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Professional Services Business Insurance
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As a business professional or consultant, your area of expertise allows you to build a client base and assist others on their journey towards professional success. However, the same advice meant to help your clients may end up hurting you in a messy legal battle.
Without business insurance, giving “bad advice” isn’t the only thing that could get in your way.
Thimble’s Business Insurance protects you if you make a mistake that leads to a financial loss or a lawsuit. Buy coverage when you need it and focus on growing your professional service business versus paying for coverage when you’re not working.
Professional service businesses we cover
- Amazon Sellers
- Artists
- AV Installation
- Car AV Installation
- Bloggers
- Consultants
- Career Coaches
- Classroom Instruction
- Computer Repair
- Creative Directors
- Data Scientists
- Freelancers
- Graphic Designers
- House Sitting
- Interior Decorating
- IT Consultants
- Marketing Consultants
- Music Teachers
- Notaries
- Life Coaches
- Personal Shoppers
- Photography & Videography
- Podcasters
- Programmers
- Software Developer
- Sound Recordists
- Speakers
- Translators
- Tutors
- Virtual Assistants
- Web Developers
- Writers
Types of insurance professional services businesses need
The professional services industry encompasses any career where clients hire you for your expertise, from consultants to decorators to life coaches. Business insurance can cover you from common risks these occupations share.
Anyone providing professional services should consider these insurance types:
- General liability insurance
- Professional liability insurance
- Equipment insurance
- Commercial property insurance
General liability insurance
General liability insurance is essential when your professional services bring you face-to-face with third parties. It provides the investigation, legal defense, and settlements for third-party claims related to the following:
Non-employee bodily injury – Should a client incur an injury due to the work you’re performing, they could sue you. For example, if you’re staging a house that’s about to go on the market and the real estate agent trips over an out-of-place piece of furniture and falls, they could blame you.
Property damage – As someone that renders professional services, it’s normal to visit clients’ offices and homes. Should you accidentally damage their property while on site, you could be liable.
Personal and advertising injury – As you seek to market your services, you want your customers to understand your unique value proposition and your edge. Should a competitor claim that your messaging or promotional materials are libelous (or infringe on their copyright) they could take you to court.
Professional liability insurance
As a professional service provider, what could be more important than professional liability insurance? It’s in the name, after all.
This particular type of coverage is intended for white-collar professionals who coach, consult with, create for, and cater to clients. More importantly, it provides the investigation, legal defense, and settlement of client claims that state your advice or failure to provide services properly resulted in their financial loss.
Professional liability insurance protects you whether the claims were well-founded or not. While you might be consistent and reliable, you need protection from your clients who can claim otherwise.
Equipment insurance
Whether you rely on multiple pieces of equipment or just your laptop, protect your business against the unexpected cost of replacing or repairing lost or damaged equipment. It’s important to know that general liability insurance does not extend to your owned property, it only protects other people’s property.
You may be thinking “do I really need insurance to protect my equipment?” The answer depends on your level of risk, but with Thimble’s Business Equipment Protection, the cost of equipment insurance is as low as $6 per month for $1,000 in coverage.1
We cover both your equipment and leased property in your care, whether the item was lost, stolen, or damaged on the job or when traveling to and from work.
Commercial property insurance
If you operate out of a physical location like an office or studio, you’ll likely want to protect that space the same way you protect yourself and your belongings. Commercial property insurance protects your first-party property, specifically your building structure and the assets inside. Typically, this type of coverage protects against:
- The cost of repairs and replacements following building damage or defacement
- Loss, theft, or damage to valuable equipment kept inside and within 100 feet of the premises
Commercial property can also be extended to cover business interruptions following physical damage, including lost revenue.
Why choose Thimble for Professional Services Business Insurance
The same way that your clients trust you to deliver projects and offer expert advice, our clients trust us to provide affordable, easy-to-access business insurance. By simplifying how to purchase insurance, we can do exactly that.
- Thimble bundles general liability insurance and professional liability insurance into one convenient professional services coverage.
- We provide insurance that works when you do—whether a single hour, a day or two, a full week, or ongoing monthly coverage—because we know what it’s like to work as an independent consultant or professional.
- Our Business Equipment Protection protects the equipment you take with you to visit clients.
With the right insurance, you don’t have to worry that your advice or recommendations could sideline your business. Instead, you can focus on helping clients and growing your business.
Ready to get started? Just click “Get a Quote” or download the Thimble app, answer a few questions, and we’ll generate an instant quote. Click to purchase and your policy and Certificate of Insurance (COI) will be sent to your inbox. We’ll send you as many COIs as you need and when you need them at no additional charge. Now go and be a boss.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.
Bodily Injury 
Property Damage 
Legal Defense 
Medical Payments
Covered Activities
- Car / Boat / Vehicle Washing or Detailing
- Housekeepers
- Janitorial Services including Carpet and Window Cleaning
- Office Cleaning
- Pressure Washing
Optional Add-Ons
- Exterior Painting
- Floor Waxing
- HVAC
- Plastering
- Plumbing (other than a leaky faucet or toilet)
- Snow / Ice Removal
Excluded Activities
- 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)
What's Not Covered by Your Policy
- Activities Involving Firearms
- 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
- See full policy for details
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