4.4/5 stars from 1677 reviews
Thimble makes small business insurance affordable.
- Policies by the job, month, or year*
- Add most Additional Insureds at no extra cost
- Waiver of Subrogation included with Additional Insured
- Send unlimited Certificates of Insurance
- Modify, pause, or cancel anytime*
What’s covered with general liability insurance?
Bodily Injury
You are working at a client’s property and you leave your toolbelt on the floor while taking your lunch break. During this time, the client walks through your work area and trips over the toolbelt, sustaining an injury.
Third-Party Property Damage
You are installing new cabinets in a client’s home, and while moving materials through the foyer you accidentally knock over and break an expensive antique vase.
Personal + Advertising Injury
Claims that you publicized something damaging the reputation of another party.
What’s covered with professional liability insurance?
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 of Claims
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's covered with a business owners policy?
Commercial Property Insurance
Commercial property insurance covers costs as a result of direct physical loss or damage to a building or its contents in situations like a fire or windstorm. Even your accounts receivable can be protected by commercial property coverage.
General Liability Insurance
General liability insurance or “CGL” provides coverage against third-party claims for property damage, bodily injury, and personal and advertising injury. That means the everyday accidents that can happen on the job: slip and falls, flying tools, or spilling coffee on a customer’s laptop—you get the idea. CGL is one of the most basic types of insurance for small businesses.
Business Interruption Insurance
Business interruption insurance covers loss of business income due to interruption of operations as a result of direct physical loss or damage; available as an additional coverage to BOP.
What’s covered with workers' compensation?
Medical expenses
Covers treatments related to injuries and illnesses and medical bills related to chronic or other longer-term health conditions.
Death benefits
Coverage in the event an employee dies as the result of a work-related injury or disease.
Lost wages
If an employee misses work due to a work-related injury, a portion of their missed wages can be recouped through workers’ comp.
Permanent or temporary disability
Covers prolonged disability benefits above and beyond medical coverage and missed wage coverage.
Rehabilitation and retraining
Covers physical therapy and training required to get back on the job.
Real quotes from real customers.
Learn how Thimble helped these small business owners get covered so they could get moving, fast.
It only took me ten minutes to read everything, and it took me less time to actually sign up for insurance.
What I loved about Thimble was that the process was super easy. I was already frustrated because I tried so many other companies and got nowhere. The application process was literally less than a minute and before I knew it I was approved and had insurance. I didn't believe it at first.
It was a very user-friendly website for a busy business owner. It was easy to navigate around, I didn’t have to spend five minutes trying to find what I was looking for. It was a couple clicks and I found all the answers I needed.
Purchasing a policy can be very intimidating, but Thimble makes it very easy by being scalable and fitting the needs of your business. So whatever stage your business is at at the time, there’s a policy for that.
The Thimble app is so easy to use. It’s a no brainer to make sure you have insurance for your small business.
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*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