Thimble Insurance
Reviews 2021

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Read small business insurance company reviews including ratings, policy types, customer service, and pricing.

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Thimble Reviews

Thimble Insurance Reviews 2021 (Ratings, Complaints & Coverage). Thimble is an insurance wholesaler that specializes in on-demand, episodic commercial insurance. They provide several coverage options for small businesses owners throughout various industries, including events and entertainment, beauty, fitness, contactors, freelancers and consultations, janitors and professional cleaners, landscapers, and even pet sitters.

If you are a small business owner who is looking for commercial general liability insurance, with coverage options by the hour, the day, or the month, please read Thimble insurance reviews to learn about Thimble Insurance Services products.

Check out Thimble insurance reviews, ratings, complaints & coverage for short-term general liability, workers compensation and other small business insurance commercial policies.

Thimble Insurance Quote

Following are some of the answers to commonly asked Thimble small business insurance questions:


Does Thimble Offer Business Insurance?

Yes, Thimble Insurance provides insurance policies that focus on commercial coverage for small business owners.

What Types Of Commercial Insurance Does Thimble Offer?

Thimble provides commercial insurance policies for small businesses including: General Liability, Commercial General Liability and Drone Liability insurance. Businesses can purchase coverage upfront by the hour, day, week or monthly. They also issue Certificates of Insurance.

How Much Does Thimble's Small Business Insurance Cost?

Policies start at $5 a day with a $0 deductible and $1 million in coverage. Their cost of Commercial General Liability coverage varies and is based on a several factors. The industry the business operates in and the location of the business are the two primary factors that will determine the cost of coverage, as there is a greater chance of accidents that will result property damages and bodily injuries in certain industries. Additionally, the location of a business will impact the cost of insurance, as premiums do vary from location to location.

Thimble provides free quotes for their commercial insurance policies.

About Thimble Insurance

Thimble Insurance was founded by a group of independent brokers. The aim of the formation was to meet the needs of the rising number of car owners that were transforming America during the time.

The company has developed to becoming one of the leading insurers and has a reputation of innovating policies and services that address the unique needs of their clients. The Thimble insurance reviews on the Internet are ok.

Thimble's Small Business Insurance Products

Thimble Insurance was established in 2016. When they first launched, they focused on providing insurance coverage for drone operators; however, as their business grew, they expanded and started offering insurance options for small business owners and independent contractors.

Thimble offers episodic insurance coverage, a revolutionary form of on-demand insurance protection. With episodic insurance, insurance coverage is offered when consumers need it; it isn't "around-the-clock coverage". The founders of Thimble realized that traditional insurance coverage doesn't really meet the needs of today's business owners, which is why they decided to offer on-demand, episodic coverage.

It's more flexible and more affordable than traditional policies, which offer annual coverage, as the coverage can be adjusted to meet the unique needs of each specific policy holder; for example, coverage can be offered monthly, daily, or even hourly. Thimble does also offer coverage that can be extended for an entire year.

Thimble Insurance a licensed insurance producer in all 50 United States, as well as the District of Columbia. They are partnered with Markel Insurance Company and Global Aerospace, Inc. Markel underwrites the Commercial General Liability policies that Thimble Insurance offers, while Global Aerospace underwrites the drone policies they provide.

The Thimble insurance ratings for short-terms small business insurance are above average online.

Thimble Insurance Coverages

Thimble offers commercial general liability insurance policies, drone insurance, and certificate of insurance. As mentioned, they offer episodic, on-demand coverage, meaning that policies can be adjusted to suit the individual needs of each client. Below, we'll take a look at the different insurance products verify offers - including the flagship Thimble General Liability Insurance. Thimble insurance reviews are good.

Thimble Small Business Insurance Coverage

Thimble provides general liability, product liability, professional liability and inland marine coverage for small business owners and contractors in more than 129 industries. Their policies can offer hourly, daily, monthly, or annual coverage, depending on the needs of the client. Industries currently covered are:

Contractors & Handymen Insurance

The Thimble Contractors Insurance Policy protects your business when on-the-job incidents end up causing bodily injury or third party property damage.

Available Coverage: General Liability, Inland Marine

  • Carpentry
  • Chimney Cleaning
  • Closet Installation
  • Concrete Work (No Foundation Work)
  • Contractors
  • Debris Removal
  • Deck Building
  • Electrical Work (Interior Only)
  • Electrical work (Exterior Only)
  • Electrical Work (interior and exterior)
  • Exterior Painting
  • Fence Building
  • Flooring
  • Furniture Installation – Offices or Stores
  • Furniture Assembly – Wood (No Cribs or Bunk Beds)
  • Furniture Assembly – Non-Wood (No Cribs or Bunk Beds)
  • Furniture Refinishing
  • Glaziers
  • Gutter Cleaning
  • Handymen
  • HVAC (Heating, Ventilation, and Air Conditioning Installation, Maintenance, or Repair)
  • Invisible Fence Installation
  • Locksmiths
  • Masonry
  • Office Machines (Installation, Inspection, Adjustment, Servicing, or Repair)
  • Painting (Interior Only)
  • Painting (Interior and Exterior)
  • Painting (Exterior Only)
  • Plastering
  • Plumbing (Commercial)
  • Plumbing (Residential)
  • Siding Installation
  • Sign Installation, Servicing, and Repair
  • Stucco Work
  • Surveillance System Installation, Servicing, and Repair
  • Surveyors (Not Performing Actual Construction)
  • Swimming Pool Servicing (No Construction)
  • Tile, Stone, Marble, Mosaic or Terrazzo Work – Interior Construction
  • Upholstering
  • Walls
  • Window Decorating

Ineligible Operations (Policies do not cover work performed before or after the policy period): Alarm System Monitoring, Assembly of Cribs or Bunk Beds, Crane Operators, Fire or Water Mitigation or Restoration, Foundation Work or Repair, Those specializing in Garage Door Installation, Servicing or Repair, Forklift Operator, Grading or Excavating, LPG (propane) connections, Machinery or Equipment Repair (Other Than Office Machines And Household Appliances), Mechanics, Pool Construction, Roadside assistance, Roofing work or repair, Street, Road, and Highway Work, Traffic Control, Welding or Hazardous Waste Removal.

Crafters & Makers

Available Coverage: General Liability, Product Liability, Inland Marine

  • Apparel makers
  • Candlemakers
  • Jewelry makers
  • Leatherworkers
  • Soapmakers

Ineligible Operations (Policies do not cover work performed before or after the policy period): Fireproof and/or fire resistance clothing or textiles are not covered, Infant, baby and/or toddler clothing is not covered, Our policies are not designed to cover apparel makers with annual sales over $500,000 (they are intended for artisans selling through online retailers and at physical stands). Our policies are not intended to cover industrial apparel manufacturing facilities, Safety or protection gear is not covered, including personal protection equipment (ppe) clothing, face masks/shields, eye wear or gloves.

Events & Entertainment Insurance

What is covered under a Thimble Event Vendor & Entertainer insurance policy? You're covered with both general liability and professional liability coverage to help protect you in the following situations: Bodily Injury, 3rd Party Property Damage, Defense Costs, Medical Coverage and Errors & Ommissions.

Available Coverage: General Liability, Professional Liability, Inland Marine

  • Actors
  • Corporate Party Planners
  • Event Staff
  • Events
  • Food / Catering (No Bartending)
  • Individual event participants (not the event itself)
  • Musicians
  • Speakers
  • Wedding Planners
  • Entertainers
  • Balloon Artists
  • Belly Dancers
  • Caricature Artists
  • Celebrity Look-a-Likes
  • Clowns
  • Comedians
  • Contortionists
  • DJs
  • Face Painters
  • Impersonators
  • Impressionists
  • Jugglers
  • Magicians
  • Mimes
  • Musicians
  • Musical Conductors
  • Poets
  • Puppeteers
  • Santas
  • Storytellers
  • Street Performers
  • Ventriloquists
  • Guides
  • Canoe & Kayak Guides / Instructors
  • Fishing Guides
  • Float Trip Guides
  • Hiking Guides
  • Tour Guides
  • Nature and Wildlife Guides
  • Stand Up Paddleboard (SUP) Guides

Ineligible Operations (Policies do not cover work performed before or after the policy period): Acrobatic, Aerialist, or Stunt Performers, Adult Film Operations, Amusement Device, Rides or Inflatables Operators or rental (including Bouncy Castles), Any wrestling or MMA related activities, ATV Tours, Bartending, Bouncers, Exotic Dancers, Strippers, or Adult Entertainment, Event Promoters, Horseback Trail Rides, Activities Involving Hunting, Hypnotists, Operations Involving Non-Domestic Animals, Operations Involving Weapons, Participating in Protests, Rallies and/or Marches, Rock Climbing, Skiing or Snowboarding Guides, Importing, manufacturing, growing, distributing, storing, selling, using or ingesting marijuana or any product of the plant Cannabis Sativa L (whether or not it is the main ingredient or used in combination with other ingredients), Importing, manufacturing, growing, distributing, storing, selling, using or ingesting tobacco or products containing tobacco.

Fitness & Personal Trainers Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine

  • Aerobics Instructors
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Martial Arts Instructors
  • Personal Trainers
  • Pilates Instructors
  • Spin Instructors
  • Swim Instructors
  • Tae Kwon Do Instructors
  • Tai Chi Instructors
  • Yoga Instructors
  • Zumba Instructors

Ineligible Operations (Policies do not cover work performed before or after the policy period): Acupuncture Services, Massage Therapists, Occupational Therapists, Physical Therapists or Personal Enhancement Facilities. Please note that Thimble insurance policies are not intended to cover liability arising out of the ownership of fitness centers or gyms. They are intended to cover independent instructors performing services, usually on others, premises (e.g. a personal trainer training a student at a gym owned by someone else).

Freelancers & Consultants Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine

  • Advertising and Marketing Consultant
  • Administrative Services
  • Call Center Representative
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Court Clerks
  • Creative Directors
  • Graphic Designers
  • House Sitting
  • Interior Decorating
  • IT Consultants
  • Notaries
  • Paralegals
  • Personal Shoppers
  • Photographers
  • Printing
  • Speakers
  • Translation Services
  • Web Designers
  • Web Developers
  • Writers
  • Sound Recordists

Ineligible Operations (Policies do not cover work performed before or after the policy period): Alarm System Monitoring, Babysitters and nannies, Bouncers, Elderly care, Home health care, Inspectors, Lifeguards, Rideshare drivers, Roadside Assistance, Security guards, Training or Instruction demonstrated on real patients, Traffic Control, Search Engine Optimization, Crane Training Services, Machinery Training Services, Military Training Services, Police Training Services, Any acts or services performed by the insured that is not licensed or certified to perform such acts or services if such licensing or certification is required by law, Any acts or services as an investment advisor, financial planner, registered representative or broker/dealer of securities or commodities, mortgage banker or investment banker or importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients).

Hair & Beauty Professionals Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine

  • Barbers
  • Beautician
  • Hair Stylists
  • Nail Artists

Ineligible Operations (Policies do not cover work performed before or after the policy period): Spa owners, Tattoo or Piercing Artists, Spa services involving dangerous or inflammatory chemicals, tattooing or body piercing, or any other services determined to be excessively dangerous. Please note that Thimble insurance policies are not intended to cover liability arising out of the ownership of salons. They are intended to cover independent stylists or professionals performing services on a client, often on others, premises (e.g. a beautician traveling to a wedding venue for a bride).

Janitors & Cleaners Insurance

What is covered under a Thimble Janitors & Cleaners insurance policy? General Liability insurance for janitors and cleaners is designed to respond to accidents involving bodily injury and property damage: Bodily Injury, 3rd Party Property Damage, Defense Costs and Medical Coverage.

Available Coverage: General Liability, Inland Marine

  • Car / Boat / Vehicle Washing or Detailing
  • Cleaners and Janitors
  • Floor Waxing
  • Housekeepers
  • Janitorial Services
  • Office Cleaning
  • Pressure Washing
  • Window Cleaning

Ineligible Operations (Policies do not cover work performed before or after the policy period): Inspectors, Floor waxing during business hours or in commercial buildings with heavy foot traffic (malls, grocery/convenience/drug stores, hospitals, airports), or performing Work over Three Stories in Height (30 feet). Please note that Thimble insurance policies exclude coverage for personal property when it is in your care, custody, and control (e.g. if you're detailing a car, damage you case to the car itself would not be covered).

Landscaping Insurance

What is covered under a Thimble landscaping insurance policy? General Liability insurance for landscapers is designed to respond to accidents involving bodily injury and property damage: Bodily Injury, 3rd Party Property Damage, Defense Costs and Medical Coverage.

Available Coverage: General Liability, Inland Marine

  • Landscaping
  • Lawn & Yard Maintenance
  • Pesticide Application (Landscapers Only)
  • Trimming or Pruning Trees Exclusively at Ground Level (No Removals)

Ineligible Operations (Policies do not cover work performed before or after the policy period): Aerial crop spraying, Bed bug remediation, Fumigation/use of gas, Grading or Excavating, Highway or right of way maintenance, Logging, Pool Construction, Tree Removal, Use of pesticides that are not EPA approved, Termite inspection or remediation, Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients).

Pet Sitters Insurance

Available Coverage: General Liability, Professional Liability, Inland Marine

  • Pet Grooming
  • Pet Services
  • Pet Sitting
  • Pet Training
  • Pet Walking

Ineligible Operations (Policies do not cover work performed before or after the policy period): Please note that Thimble insurance policies exclude coverage for damage to pets while they are in your care, custody, or control (e.g. if you're walking a dog and the dog you're walking is injured, the injury to the dog would not be covered).

Photographers & Videographers Insurance

What is covered under a Thimble Photogrpahers' insurance policy? You're covered with both general liability and professional liability coverage to help protect you in the following situations: Bodily Injury, 3rd Party Property Damage, Defense Costs, Medical Coverage and Errors & Ommissions.

Available Coverage: General Liability, Professional Liability

  • Photographers
  • Videographers

Drone Insurance

Their drone insurance (sold through sister company Verifly) covers the cost of damages that drones may endure. Their policies are customized according to the specific details of the drone, where it will be flown, and how it will be used. Their drone coverage offers liability limits of up to $10 million and policies can provide coverage for 1, 4, or 8 hours.

Certificate of Insurance

Thimble also offers certificate of insurance (COI) in either the form of a physical or electronic document. Both documents offer proof that the insured has an active policy in place. Their COIs are free with the purchase of any Commercial General Liability insurance policy.

Thimble Insurance Quote

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Are Thimble's Commercial Insurance Reviews & Ratings Good?

Following are some Thimble business insurance ratings found online which appear to be very good:

  • BBB.org - The Better Business Bureau rates them 5.0 out of 5 stars.
  • Facebook.com - Facebook rates them 4.6 out of 5 stars.
  • Glassdoor.com - Glassdoor rates them 5.0 out of 5 stars.

Thimble's Contact Information

Address: 174 West 4th Street, Suite 204, New York, NY 10014

Website: https://www.thimble.com

The Bottom Line On Thimble Insurance

Thimble Insurance may be a relatively new insurance company, but it is highly reputable. Their policies are underwritten by two well-known insurance companies and they provide episodic, on-demand coverage that's ideal for small business owners and consultants who do not want to carry a long-term policy. Their coverage options are affordable and they have received excellent reviews from their clients.

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