Thimble Insurance Review

Overview

Thimble is a modern business insurance provider designed to meet the needs of freelancers, small business owners, and gig economy workers. Founded in 2016, the company has revolutionized the traditional insurance model by offering short-term, on-demand insurance policies through an easy-to-use mobile app and website. Thimble operates under Verifly Insurance Services and is backed by top-rated insurers such as Markel Insurance Company. With a focus on flexibility and accessibility, Thimble enables users to purchase policies by the hour, day, week, or month, making it a game-changer for temporary and project-based businesses.

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Why Thimble is a Good Choice?

Thimble stands out as an excellent option for small businesses and independent contractors seeking affordable, flexible, and convenient insurance coverage. The ability to customize policies to suit specific job durations or projects helps avoid overpaying for unused coverage. Whether you’re a photographer, fitness instructor, or handyman, Thimble allows you to operate with peace of mind, even if you’re only working occasionally or seasonally. The seamless digital experience and absence of cancellation penalties make Thimble particularly appealing to tech-savvy entrepreneurs who value control and efficiency.

Coverage

Thimble offers several types of insurance products designed to cater to various small business needs:

1. General Liability Insurance: Covers third-party bodily injury, property damage, and personal injury claims. Suitable for most businesses, especially those working on client sites.
2. Professional Liability (Errors and Omissions) Insurance: Protects service providers against negligence, missed deadlines, or mistakes that cause financial harm to clients.
3. Business Equipment Protection: An add-on that covers tools and equipment used in the course of business against theft and accidental damage.
4. Commercial Property Insurance (in beta): Offers protection for business premises, inventory, and physical assets.
5. Event Insurance: Designed for one-time events such as weddings, markets, or conferences. Covers liability and cancellation costs.
6. Drone Insurance: Tailored for drone operators, covering physical damage and third-party liability.
7. Workers’ Compensation Insurance: Available in select states for businesses with employees, covering workplace injuries and medical expenses.

Thimble’s policies are underwritten by A-rated carriers, ensuring trustworthy and regulated protection.

Pricing

Thimble’s pricing structure is one of its most compelling features. Unlike traditional insurers that require annual commitments, Thimble allows customers to choose hourly, daily, weekly, or monthly coverage based on their actual working schedule.

• General Liability Insurance: Starting from $5 per hour or $17 per month, depending on business type and location.
• Professional Liability: Prices vary but are competitively low and quoted instantly.
• Event Insurance: Starts around $10 for a single-day event.
• Add-ons and customization: Users can tailor coverage with add-ons like tools and equipment coverage, which adjusts the premium accordingly.

Factors such as location, industry risk, coverage limits, and claim history influence final pricing. Customers can get real-time quotes in less than a minute without needing to speak to an agent.

How to Apply?

Thimble’s application process is fully digital and takes less than a minute. Here’s how it works:

1. Visit the Website or Download the App: Access Thimble via their official website (www.thimble.com) or through the iOS/Android app.
2. Answer a Few Questions: Provide details about your profession, location, coverage needs, and duration.
3. Get an Instant Quote: Review a personalized quote with policy details and price.
4. Purchase and Get Proof of Insurance: Pay securely and receive a Certificate of Insurance (COI) immediately via email or app.
5. Modify or Cancel Anytime: Policies can be adjusted or canceled at any time with no fees.

This streamlined process is particularly beneficial for professionals who need last-minute insurance or operate in fast-paced, mobile industries.

Customer Support

Thimble offers customer support through the following channels:

• Email: support@thimble.com
• Phone: 1-347-268-3829 (Available Monday–Friday, 9 AM to 6 PM ET)
• Help Center: A comprehensive online FAQ and support section accessible at https://www.thimble.com/help

While Thimble’s customer service is efficient, it does not operate 24/7. However, most users find the self-service tools and mobile functionality adequate for their needs. The ability to make policy changes and access documentation directly from the app adds a level of autonomy that minimizes the need for frequent human interaction.

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Bottom line

Thimble is redefining small business insurance by offering ultra-flexible, affordable, and easy-to-manage policies that fit the lifestyle of today’s entrepreneurs and freelancers. Its on-demand model makes it uniquely suited for seasonal workers, gig economy participants, and businesses with fluctuating project needs. While it may not yet be the perfect fit for large enterprises or those seeking around-the-clock support, its innovative features and customer-centric approach position it as a top contender in the small business insurance space. If flexibility, speed, and affordability are your priorities, Thimble is a brand worth considering.