Thimble offers on-demand small business insurance with flexible short-term coverage options. Find out if it’s the right fit for your business.
What Is Thimble Insurance?
Thimble is an online insurance provider offering flexible coverage options for small businesses.
The company is known for its on-demand insurance model, which allows policyholders to tailor their coverage to their specific needs. Thimble also offers short-term and event-specific policies, making it a popular choice among freelancers, independent contractors, and seasonal businesses.
Thimble Insurance Pricing
Thimble stands out for its affordable and flexible pricing, allowing you to choose from a range of policies to create the coverage package that best suits your business. Like most insurance companies, Thimble offers personalized quotes. The price will depend on several factors, including your location, the size of your business, and the types of coverage you choose.
Unlike some other insurers, Thimble offers near-instant quotes. And if you decide to proceed, you can pay online and get coverage almost immediately.
How To Get A Quote From Thimble Business Insurance
Thimble makes the quoting process quick and easy.
When you visit the Thimble website, you will be asked to choose between general business insurance and event insurance—for a festival or concert, for example.
Next, you will need to enter information such as:
- The type of work you do
- Your revenue
- Your physical address
Thimble’s quote calculator will suggest the types of insurance you should consider. To secure insurance
on the same day you receive a quote, you will only need to pay the premiums for the first and last months.
Thimble’s quote includes useful information regarding deductibles, policy limits, and coverage packages. You will be able to see exactly what is covered and to what extent. Transparency is crucial when purchasing business insurance, and Thimble excels in this area.
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 directly. Instead, it partners with established insurance companies to provide coverage. The company focuses on providing a fully digital experience, allowing customers to purchase and manage their policies via its website or mobile app. Thimble is known for its flexible coverage options, including short-term and on-demand policies.
Although Thimble offers a simple and efficient experience, its coverage options are more limited compared to some traditional insurers. For instance, it currently does not offer certain types of policies, such as commercial vehicle insurance, and does not include additional services like risk engineering.
Some of its key features are listed below:
Thimble Small Business Insurance Coverage Options
Thimble offers a selection of essential policies for small businesses, as well as specialized and short-term coverage options. However, its overall range of policies is more limited than that of many traditional insurers.
Nevertheless, Thimble’s offering is a perfect fit for its target audience—specifically self-employed individuals, independent contractors, and businesses requiring flexible or short-term insurance.
Here are the main types of insurance available through Thimble:
- Professional liability (errors and omissions)
- Business Owner’s Policy (BOP)
- Commercial property
- Event insurance
- General liability
- Short-term liability
- Workers’ compensation
- Cybersecurity
- Business equipment
Availability may vary by state. Core insurance policies—such as general liability, professional liability, commercial equipment insurance, and BOP (Business Owner’s Policy) coverage—are available in most U.S. states, while certain specialized policies may have more limited availability.
Thimble originally launched as Verifly, a platform focused on drone insurance, before expanding its offerings to include broader insurance coverage for small businesses. Although it no longer offers drone-specific policies, the company continues to serve sectors such as photography and videography.
Best Suited For…
Thimble is suitable for small businesses, independent contractors, and freelancers—particularly those with few employees or needs for more flexible insurance coverage. Its on-demand model makes it a strong choice for businesses that undertake short-term projects, receive last-minute orders, or need to provide proof of insurance quickly. This is particularly 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 require insurance only intermittently rather than year-round.
Businesses looking for a provider that underwrites its own policies or offers a wider range of coverage might prefer to compare alternatives, such as ERGO NEXT.
Thimble Business Insurance Claims
Since Thimble does not underwrite its own insurance policies, claims are processed by the insurance company providing the coverage, rather than directly by Thimble.
However, Thimble facilitates the process and can assist policyholders with the initial steps.
How To File A Claim With Thimble Business Insurance
You can initiate the claims process via the Thimble website or mobile app. Thimble will collect basic information regarding your claim and forward it to the relevant insurance company.
If you have questions during the process, you can contact Thimble for support via email.
Customer Satisfaction With Thimble Business Insurance Claims
Customer feedback regarding Thimble’s claims management experience is generally positive, although the experience may vary depending on the underlying insurer processing the claim. Thimble partners with established insurers like Markel, which holds strong financial stability ratings from agencies such as 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 provide phone support, 24/7 assistance, or dedicated representatives. Instead, support is available via online channels such as email and live chat.
| Thimble Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
Customer feedback regarding Thimble’s support service is generally positive. Many users describe the platform as user-friendly and straightforward. Despite some complaints, many customers report a seamless experience when managing policies and purchasing insurance online.
These opinions likely reflect Thimble’s self-service model, which prioritizes an efficient app and online tools, allowing most insurance-related tasks to be handled without agent intervention.
Thimble Small Business Insurance Reviews
Customer reviews of Thimble on major review platforms are generally positive; many users highlight the company’s ease of use and flexible insurance options.
Thimble is accredited by the Better Business Bureau and holds an A+ rating. It also maintains strong ratings on platforms like Trustpilot, where it has garnered a large number of user reviews.
Although reviews are predominantly positive, some negative experiences have been reported.
Negative Thimble Insurance Reviews
Complaints frequently mentioned in customer reviews include:
- High cost of coverage
- Poor customer service
- Unsatisfactory claims process
Positive Thimble Insurance Reviews
Many customers, especially those seeking fast and flexible coverage, have positive experiences with Thimble. The most common highlights include:
- Simple process and quick acquisition of coverage
- Good value for money
- Efficient and user-friendly app
- Easy cancellation and flexible coverage
- Easily adjustable coverage
Final Thoughts On Thimble Small Business Insurance
Thimble occupies a unique position in the insurance market by offering flexible, on-demand coverage options for small businesses. While it may not be the ideal choice for every business, Thimble is particularly well-suited for businesses that do not require continuous coverage and instead benefit from short-term or project-based insurance.
With its ability to offer coverage for specific hours, days, or jobs, Thimble stands out as an excellent option for freelancers, contractors, and other businesses with fluctuating insurance needs.
If you are still interested in exploring other options after reading this, our list of the best small business insurance companies details several excellent providers.
