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Coverage

General Liability

Professional Liability

$1,000,000 Limit

Crew

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Best Small Business Insurance

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Thimble makes general liability insurance affordable.

  • Monthly and on-demand policies
  • No extra fees or deposits
  • Add Additional Insureds at no extra cost
  • Unlimited Certificates of Insurance
  • Waivers of Subrogation at no extra cost
  • Free Certificate Management tool

Voted Best Insurance for the Smallest Businesses

Why do I need a freelancer insurance policy?

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.

How much does freelancer insurance cost?

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.

What is covered under a freelancer liability insurance policy?

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.

Bodily Injury
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.

Medical Expenses
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.

Defense Costs
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.

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.

*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