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Thimble makes contractor insurance affordable.
- Get covered in minutes
- Simple monthly payments or one upfront payment
- Instant Certificate of Insurance
- Add most Additional Insureds at no extra cost
- Waiver of Subrogation included with Additional Insured
What is covered under a contractor liability insurance policy?
The Contractor Liability Insurance Policy arranged by Thimble protects your business when on-the-job incidents end up causing bodily injury or third party property damage.
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.
Medical Expenses
Your client also sprained her wrist in the fall. A general liability policy arranged by Thimble could help cover the cost of her medical expenses.
Defense Costs
After finishing a debris removal project, a client claims that not all of the shingles from a recent home renovation project were removed. She tripped over a small pile of the scraps, and sues you for the cost of your work.
We also recommend adding some coverages to make sure you are fully protected while on the job.
Customer Property Protection
Coverage for damage to or loss of customer property or belongings that are in your care, custody or control, or on which you are performing work. Coverage does not apply to poor workmanship performed by you or those working on your behalf.
Business Equipment Protection
Coverage for damages to business equipment you own, rent or borrow and regularly take off-site.
Cyber Insurance
Cyber insurance provides coverage for claims of losses and damages resulting from security and privacy breaches, system failures, cybercrimes (such as ransomware), and the release of media materials by the insured.
Workers’ Compensation Insurance
Workers’ compensation protects your business in case an employee gets hurt on the job or becomes ill from a work-related event.
Contractor Insurance FAQs
How quickly will I get a Certificate of Insurance?
Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.
You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.
What are the construction insurance policy limits?
You can select a policy limit of $1 million or $2 million, depending on your needs and the level of risk that you would like to be insured against.
Get covered in minutes. (Then get back to work!)
*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