Small business insurance that works when you do.

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Coverage

General Liability

$1,000,000 Limit

Crew

Pause Policy

Best Small Business Insurance

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4.8 Stars

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Thimble makes business insurance affordable.

  • Full protection: general liability, professional liability, and Business Equipment Protection
  • Monthly and On Demand policies
  • No extra fees or deposits
  • Additional Insureds at no extra cost
  • Unlimited Certificates of Insurance
  • Pause or cancel at any time*

4.8 / 5 Stars

What is general liability insurance?

General liability (GL) insurance protects a business against the risk of accidents like bodily injury and property damage that happen to a third party.

General liability insurance is the most essential insurance for a business. If you don’t have it and something happens while you’re on the job, one big claim could cost enough to put you out of work. With general liability insurance, you’ll have the protection you need to stay focused on building your business:

Bodily Injury
General liability insurance coverage protects against claims of physical injury to a third party.

Property Damage
Coverage for damages to another entity’s property. If you don’t own it and you break it, general liability insurance can help.

Personal + Advertising Injury
Claims that you publicized something damaging the reputation of another party.

What is professional liability insurance?

Even the most dedicated professionals can make mistakes, or worse, the client alleges you made a mistake. That’s where professional liability comes in.

Professional liability covers claims of errors and negligence related to your professional services. While general liability covers you in the event of third-party physical injury or property damage, professional liability insurance coverage protects you if a client claims your negligence because a professional mistake resulted in financial loss.

Professional liability provides the investigation and defense for claims for damages that arise out of your providing or failing to professional services. Examples of what your policy provides:

Cost of Investigating the Actual or Alleged Negligence
The insurer does the legwork in determining what happened when a customer claims that you (or members of your crew) were negligent in completing your work, such as missing a deadline or not acting professionally. 

Defense
The insurer defends you in legal proceedings related to claims that you didn’t follow through on a portion of your deliverable/service, be it the word count on an article or the file format on a wedding video.

False or Frivolous Claims for Damages
Along with helping to cover the costs of valid claims, the policy will defend you against claims that have no merit.

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).

*A policy under 24 hours in duration cannot be canceled, nor its paid premium returned, once the policy incepts. Only Thimble Monthly policies can be paused, one time and for up to 30 days