Thimble Small Business Insurance Review 2022

Thimble Business Insurance Ratings at a Glance

Do you own a small business? If so, you understand the importance of small business insurance. A good business insurance policy can save you from claims, theft or damage that could harm your business. Benzinga offers this Thimble Small Business Insurance review to help you decide if this is the right small business insurance company for you.

Thimble offers relatively limited small business insurance options, but it covers the essentials for most professionals and independent contractors. Let’s take a look at what Thimble small business insurance offers and how the carrier structures its policies.

Types d’assurance

Thimble Small Business Insurance offers several types of coverage, and it is working on more (with those to come in the future).

General liability insurance

General liability insurance is essential for most types of businesses. It helps protect your business against losses due to:

  • Bodily injurieswhen someone is injured on your business property.
  • Property damagewhen the property of others is damaged by your business.
  • Personal and advertising damagewhen you post something that damages the reputation of another party.

Thimble offers general liability insurance in 48 states and Washington, DC (It is not available in New York or Washington.)

Professional liability insurance

If you make a mistake in your work and it results in financial loss to your client, professional liability insurance will help you cover the claims. It helps cover alleged or actual negligence, legal fees and settlements. This insurance is also known as errors and omissions insurance.

Thimble’s professional liability insurance rolls out state by state. It is not yet available in New York, Washington, North Dakota, Wyoming, Colorado, Texas, Louisiana, Missouri, Iowa, Illinois, Indiana, Delaware, Rhode Island, Massachusetts, and Vermont.

Assurance drone

This cover is another way for Thimble to stand out from the crowd. In fact, Thimble started out as Verifly Drone Insurance, and you can still purchase drone insurance through the Verifly app.

Drone insurance protects you in case of injury or property damage due to your drone flight. It also provides coverage for unintentional privacy breaches and unintentional leaks.

You enter where you plan to fly and choose if you want a 1, 4 or 8 hour policy. You can fly any drone that meets police weight limits, and you can choose up to $10 million in coverage. You can buy a policy in just a few clicks and have instant proof of insurance. You can purchase coverage up to 60 days in advance.

Event insurance

Thimble also deploys event insurance. This is a type of liability coverage for those organizing a special event or participating in it as a vendor or exhibitor. It includes coverage for third-party bodily injury and property damage and coverage for legal fees and alcohol-related damages for BYOB or open bar events. If you sell alcohol, you can add retail alcohol to your policy.

You can sign up to be notified when it becomes available on the Thimble website.

Coverage options for small businesses Thimble

Commercial insurance is generally sold on an annual basis. Although some insurance companies offer payment plans, it’s still a lot of money, especially if you do seasonal or casual work.

Thimble solved this problem by offering flexible options. You can choose:

  • Monthly thimble: Thimble Monthly offers affordable ongoing coverage. You can cancel or suspend your coverage at any time.
  • Thimble on request: This option allows you to purchase coverage by the hour, day or week and you cancel up to 1 hour before your coverage begins. This comes in handy in many scenarios. For example, if you are bidding on a large project and need to show proof of insurance, you can purchase a Thimble On Demand policy. If the project fails, you can cancel.

Thimble covers over 120 professions across a range of industries. To get an idea of ​​who Thimble is best for, here are the top 10 occupations of its policyholders:

  • High pressure cleaners
  • Handymen
  • Landscaping
  • Photographers
  • Cleaners and Janitors
  • General contractors
  • Videographers
  • Carpenters
  • fitness instructors
  • Construction workers

Thimble clearly covers a wide range of freelancers and consultants. It’s also a great choice for hair and beauty professionals, pet sitters, and drone pilots.

Thimble’s pricing model makes coverage very affordable — its policies start at $5. Your exact price depends on factors such as where you live, the type of work you do, and how long you opt for your coverage.

Here are some examples of coverage rates:

  • A dog walking company paid $5 for 3 hours of coverage.
  • A sanitation company paid $63.79 for 1 month of coverage.
  • A dance teacher pays $52.92 for monthly coverage.
  • A painting company paid $14.85 for 1 day of coverage.

Thimble’s mobile app is available on the Apple App and Google Play stores. It’s better to buy a blanket. You can buy a policy in just a few clicks and get your insurance certificate right away.

You can also add additional insureds and up to 100 crew directly from the mobile app. If you need to change or cancel your coverage, you can also do that from the app. However, you cannot file a claim from the app and must call Thimble’s underwriter, Markel Insurance Company (NYSE: MKL), a Fortune 500 company rated A by AM Best for its financial strength.

General liability and professional liability policies for Thimble are underwritten by Markel Insurance Company. You can report a claim by contacting Markel by phone at 1-800-362-7535, by fax at 1-855-662-7535 or by email at You can report a claim 24 hours a day, 7 days a week.

When filing a claim, you will need to provide your policy information, the date and location of the loss, and any relevant documents, such as police reports.

To file a drone policy claim, email or call 1-888-228-2281. You will need to provide information about what happened, the names and addresses of those involved, and details of any injuries or damages.

You can make many changes to your policy through the Thimble mobile app or website. You can add or change additional insureds, change your company name or address, increase your coverage or cancel a policy easily.

If you want to get in touch with someone, you’ll need to do so using Thimble’s contact form, as they don’t offer phone support. His representatives answer questions from 9 a.m. to 6 p.m. ET Monday through Friday, and he strives to answer all of his questions within an hour.

Thimble also offers a robust FAQ section, so there’s a great chance you can find answers to your questions without contacting support.

Freelancers, gig workers and contractors have unique insurance needs. It’s a pain to shell out thousands of dollars when you don’t need a full year of coverage. Thimble offers unique coverage for those who are self-employed, do seasonal work, or have erratic coverage needs.

Its font offerings are affordable and buying a font is a breeze. You don’t have to answer hundreds of questions about your business. Just answer a few, pay your premium, and you’re covered. You can easily make changes to your policy online or in the mobile app.

Thimble small business insurance has a few drawbacks. Its complaints process requires a phone call or email. You cannot file a claim through the Thimble mobile app or website. It also has limited customer service. You can only get in touch through its website and you cannot call or chat.

That said, it offers outstanding coverage that’s affordable and flexible. Being able to buy coverage for a few hours or days at a time gives you much-needed protection without breaking the bank. Even if you purchase a monthly policy, you can pause it whenever you need. You never pay for coverage you don’t need.


Does Thimble offer many different types of fonts?


Thimble offers the basic small business policies that most businesses need.


What is the most important insurance policy for small businesses?


Many believe that the most important insurance policy for small businesses is general liability.


Is Thimble’s customer service good?


Although Thimble’s customer service is good, you can only reach them through the website or by phone.

Not all news on the site expresses the views of the site, but we transmit this news automatically and translate it through programmatic technology on the site and not from a human editor.

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