Best Small Business Insurance
Best Small Business Insurance
Voted Best Insurance for the Smallest Businesses
Whether you’re a photographer, graphic designer, or consultant, you bring a creative approach to problem-solving and help your clients tackle every challenge that comes their way. Shouldn’t you do the same for your business?
A Thimble Freelancer Insurance policy can give you the confidence you need to propel your business to new heights.
The cost of your Freelancer Insurance Policy depends on a few factors. Things like your ZIP code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your freelance consulting business.
With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Freelancer Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.
To get an accurate idea of how much Freelancer Insurance would cost you and your business, get a quote from Thimble.
Both general liability and professional liability coverage are included in Thimble’s Consultant and Freelancer’s policy. The general liability insurance arranged by Thimble is designed to protect freelancers against accidents on the job that result in bodily injury, property damage, personal and advertising injury to a third party. General liability insurance also covers legal fees and medical coverage associated with the claim.
Professional liability insurance protects freelancers and consultants against claims of errors and omissions – or claims relating to inadequate performance of professional services. If a client claims that you’ve done your job improperly, your professional indemnity insurance policy can be used to cover many of the associated costs with that claim.
A client is discussing the details of a project in your office. When the client is leaving, he trips over your laptop bag. He falls and injures his wrist.
3rd Party Property Damage
Say you’re in a client’s home to photograph their baby shower. If you damage an expensive piece of artwork on the wall while trying to find the perfect angle, you could be held liable for the damages.
Your client trips over a plant in your office when meeting with you for an interior design consultation. She sprains her wrist and holds you accountable. Your general liability policy can help you cover the costs of her medical treatment.
Imagine that a client claims that a spill on his coffee table was left by you after a recent house sitting gig. It ruined the finish, and he takes you to court to recoup the value of the table. A general liability policy would help cover the costs of defending yourself against this claim.
Errors and Omissions
You are a marketing consultant, and maybe you advise a client on the development of an advertising campaign to promote their new product. If the campaign misrepresents the key features of the product, leading to customer confusion and financial loss for the company, you could be on the hook for expensive legal fees to defend your practice.
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.