Small Business Insurance

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What is small business insurance?

Small business insurance is a category of online business insurance that protects your business from the financial impact of various risks and liabilities you’ll encounter on the job. Small business owners face many risks every day, and insurance helps you prepare for the unexpected while protecting your bottom line. Here are the types of small business insurance coverage we recommend just for you.

What does small business insurance cover?

In business, details matter, and there’s no one-size-fits-all approach when it comes to online small business insurance. Similarly, your insurance coverage should be tailored to your needs. Below are the most common types of small business insurance and what they cover.

General liability insurance

General liability insurance, or CGL, protects a business against third-party claims of non-employee bodily injury, property damage, and personal and advertising injury.

Professional liability insurance

Professional liability insurance, also called errors & omissions (E&O) insurance, covers claims of financial loss as a result of providing — or failing to provide — professional services properly.

Business owners policy (BOP)

A business owners policy bundles two of the most important types of small business coverage: general liability insurance and commercial property insurance (including a number of coverage additions) into one convenient policy.

Commercial property insurance

Designed for small businesses that own an office or retail store, commercial property insurance covers a business’s property and items on the premises from accidental loss, damage or theft.

Business Equipment Protection

Business Equipment Protection (also known as inland marine insurance) is a type of first-party insurance that covers business equipment that you own, rent or borrow while it is away from your premises.

Workers’ compensation

Workers’ compensation helps protect you from liability if an employee is injured or gets sick at work, and covers your employee’s medical expenses so they have the resources to recover without putting you out of business.

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What other types of online business insurance does my small business need?

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.

Equipment breakdown coverage

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.

Hired & non-owned auto coverage

Liability coverage for personal autos or rental vehicles that your business uses for work but doesn’t own; available as an additional coverage to BOP.

Product liability insurance

Product liability protects makers against the costly consequences of injury or damage arising after the sale of a product, for example, jewelry, candles, or soap; available as part of general liability insurance coverage.

Cyber insurance

Cyber insurance includes first- and third-party liability coverage that shields small businesses against the consequences of cyber breach or data theft.

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Auto liability insurance

Commercial auto liability insurance protects you against the risks associated with vehicles your business owns and operates.

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Who needs business insurance?

Any small business that meets with clients, owns property or equipment, or even just advertises for itself will encounter some kind of risk every day. Every business owner should have insurance, to make sure your hard work is protected. Thimble covers more than 150 different types of businesses, including:

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Small business insurance state by state

Learn more about small business insurance by state.

Small Business Insurance FAQs

How much does small business insurance cost?

Business liability insurance or general liability insurance via Thimble starts at $17 per month. Factors that influence the price of your business insurance premium include your industry and type of business (if you work in a hazardous field, you’ll have a higher premium). They also include your policy limit, crew size, and location.

How do I get small business insurance?

First, decide what type of online business insurance policy you need, and click “get a quote” here or on the Thimble app. You’ll answer a few basic questions about your business and choose your desired coverage length. Depending on what policy you choose, you can either buy instantly online or chat with one of our excellent human representatives. In minutes, you’ll have insurance that works when you do, so you only pay for coverage when you need it.

Why do you need small business insurance?

The bottom line is that small business insurance protects your bottom line. Business insurance can help you protect your profits from expensive claims, inspire confidence in current and potential clients, and get more work. In fact, clients and businesses across industries often ask for proof of insurance from the people they contract. Some states even require insurance and proof that you have it. That means that if you want to get the best jobs, you’ll want to have a Certificate of Insurance (COI) readily available.

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Fast & Easy

This is fast and easy and works great for me! I am a one man freelance landscaper and this gives me the ability to purchase insurance directly from my phone anytime and anywhere I need it.

Paul H.

Super easy to use! Though of everything

This app is beautiful and super easy to use! It’s super easy to get insurance for the weddings I shoot where the venues require insurance. I can just buy it on the app with 3 clicks and I’m done.

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Awesome Product

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Best insurance solution for small businesses.

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So Easy!!! I LOVE IT

It was so easy, quick, and simple. The PDF package I received contained everything I needed. This was the best experience I've ever had obtaining insurance...thank you!!!

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Great rate!

I was very impressed with your monthly rate on general liability coverage! Much less than 1/12 of everyone else's annual rate.

Thomas G.

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