Thimble offers on-demand small business insurance with flexible short-term coverage options. Find out if it’s right for your business.

What Is Thimble Insurance?

Thimble is an online insurer that offers flexible coverage options for small businesses.

The company stands out for its on-demand insurance model, which allows policyholders to customize their coverage to their needs. Thimble also offers short-term and event policies, making it a popular choice for freelancers, independent contractors, and seasonal businesses.

Thimble Insurance Pricing

Thimble stands out for its competitive pricing that offers both affordability and flexibility. You can choose from a limited menu to get the coverage package you need for your business.

Like most insurers, Thimble offers personalized quotes. The price will depend on a variety of factors, such as your location, the size of your business, and the types of coverage you choose.

Unlike other insurers, Thimble offers almost instant quotes. And if you’re ready to move forward, you can pay online and get coverage almost immediately.

How To Get A Quote From Thimble Business Insurance

Thimble makes the quote process quick and easy.

When you visit the Thimble website, you’ll be asked to choose between general business insurance or event insurance, such as for a festival or concert.

You’ll then be asked to enter information such as:

• The type of business you do
• Your income
• Your physical address
  Thimble’s quote calculator will offer suggestions for the types of insurance you should consider.

Once you receive your quote, you only need to pay the first and last month’s premiums to get coverage the same day.

Thimble’s price quote includes helpful information about deductibles, coverage limits, and insurance packages. You can see exactly what is covered and for how much. Transparency is key when buying business insurance, and Thimble delivers on that promise.

If you have any questions about the results, read our article on understanding your business insurance quote.

Thimble Small Business Insurance Features

Thimble operates as a digital insurance platform and does not underwrite its own policies. Instead, it partners with approved insurers to provide coverage.

The company focuses on a completely online experience, allowing customers to purchase and manage policies through its website or mobile app. Thimble is known for its flexible coverage options, including short-term and on-demand policies.

While Thimble offers a powerful experience, its coverage options are more limited than some traditional insurers. For example, it currently does not offer certain policies, such as commercial auto insurance, or includes additional services, such as risk engineering.

Here are some of its key features:

Thimble Small Business Insurance Coverage Options

Thimble offers a selection of basic small business insurance policies, as well as some specialized and short-term coverage options. However, the overall scope of its policies is more limited than that of many traditional insurers.

However, Thimble’s offerings are well-suited to its target audience, particularly self-employed individuals, independent contractors, and businesses that need short-term or flexible coverage.

These are the main types of coverage available through Thimble:

• Professional Liability (Errors and Omissions)
• Business Owners Policy (BOP)
• Commercial Property
• Event Coverage
• General Liability
• Short-Term Liability
• Workers’ Compensation
• Cybersecurity
• Business Equipment
  Availability may vary by state. Basic policies like general liability, professional liability, business equipment coverage, and BOP insurance are available in most U.S. states, while some specialized coverages may have more limited availability.

Thimble originally launched as Verifly, a platform focused on drone insurance, before expanding to include broader coverage for small businesses. While it no longer offers drone insurance policies, the company continues to serve industries like photography and videography.

Best Suited For…

Thimble is ideal for small businesses, independent contractors, and freelancers, especially those with fewer employees or more flexible insurance needs.

Its on-demand model makes it a great option for businesses that take on short-term projects, receive last-minute orders, or need to provide proof of insurance quickly. This can be especially useful for contractors, event professionals, and others who need to meet insurance requirements on short notice.

Thimble’s flexibility also makes it a practical option for businesses that only need insurance periodically, rather than year-round.

Businesses looking for a provider that underwrites its own insurance policies or offers a wider range of coverage can compare alternatives such as ERGO NEXT.

Thimble Business Insurance Claims

Since Thimble does not underwrite its own policies, claims are processed by the insurer that provides your coverage, rather than directly by Thimble.

However, Thimble streamlines the process and can walk insureds through the initial steps.

How To File A Claim With Thimble Business Insurance

You can start the claims process through Thimble’s website or mobile app. Thimble will collect basic information about your claim and submit it to the appropriate insurer.

If you have any questions during the process, you can contact Thimble for support via email.

Customer Satisfaction With Thimble Business Insurance Claims

Customer feedback about their claims experience with Thimble is generally positive, although the experience can vary depending on the insurer processing the claim.

Thimble partners with established insurers, such as Markel, which has strong financial standing from agencies like AM Best. These partnerships contribute to the overall reliability of claims management.

Customer Service & Support

Thimble offers a primarily digital customer service experience. The company does not offer phone support, 24/7 assistance, or dedicated representatives. Instead, support is available through online channels such as email and live chat.

Customer reviews of Thimble’s support experience are generally positive, with many users describing the platform as user-friendly and intuitive. While there are some complaints, many customers report a smooth experience managing policies and buying insurance online.

These reviews likely reflect Thimble’s self-service model, which prioritizes a powerful app and online tools to handle most insurance-related issues without the need for an agent.

Thimble Small Business Insurance Reviews

Customer reviews of Thimble are generally positive on major review platforms, with many users highlighting the company’s ease of use and flexible insurance options.

Thimble is accredited by the Better Business Bureau and has an A+ rating. It also maintains excellent ratings on platforms like Trustpilot, where it has a large number of user reviews.

While the majority of reviews are positive, there have also been some negative experiences reported.

Negative Thimble Insurance Reviews

The most common complaints in customer reviews include:

• High cost of coverage
• Poor customer service
• Inadequate claims process

Positive Thimble Insurance Reviews

Many customers, especially those looking for fast and flexible coverage, report positive experiences with Thimble. Positive reviews include:

• Simple process and fast coverage
• Good value for money
• Efficient and easy-to-use app
• Easy cancellation, flexible coverage
• Easy to customize coverage

Final Thoughts On Thimble Small Business Insurance

Thimble occupies a unique place in the insurance market by offering flexible, on-demand insurance options for small businesses.

While it may not be the best option for every business, Thimble is especially suitable for those who don’t require ongoing coverage and prefer short-term or project-based insurance.

With its ability to offer hourly, daily, or job-based insurance, Thimble stands out as an excellent choice for freelancers, contractors, and other businesses with fluctuating insurance needs.

If you’re still interested in other insurance options after reading this, our analysis of the best small business insurers details several excellent providers.