Write Your Own Business Liability Insurance
Small business insurance that works when you do.
Get covered for an hour, day, or month in 60 seconds. Get the total flexibility of your policy in an instant. With Thimble in your pocket, you’ve got coverage up your sleeve.
Two simple ways
to do more.
Thimble is the first and only provider breaking up
one-size-fits-all policies for your one-of-a-kind workday. Get a monthly policy, or a policy on demand.
Types of Coverages:
General Liability Insurance
Professional Liability Insurance
Things Happen. Get Protected!
Get the insurance you need, when you need it! Essential risk protection for small businesses by the house, day or month. Policies underwritten by Markel Insurance Company.
If your business doesn’t qualify for the “write your own liability insurance” or you are in need of commercial property, commercial auto or workers compensation insurance, we represent many carriers that provide these competitive programs for businesses like yours.
A Year of Peace-of-Mind
A-Rated insurance, designed for modern workers.
We’re backed by Markel Insurance Company, a Fortune 500 company. They’re the best. All Thimble policies also include 12 months of completed operations coverage, extra time you get to make short-term insurance even more worth your while. If anything happens as a result of your work for a whole year after the policy ends, you can still file a claim.
General Liability Insurance
What is General liability insurance?
Protects your business when accidents happen to a third party, like bodily injury or property damage.
General liability insurance, also referred to as ‘commercial general liability’ (CGL) insurance or ‘business liability insurance,’ protects a business against the risk of accidents like bodily injury and property damage that happen to a third party.
CGL is the most essential insurance for a business. If you don’t have it and something happens while you’re on the job, one big claim could cost enough to put you out of work. With general liability insurance, you’ll have the protection you need to stay focused on building your business.
Why do I need general liability insurance?
It may not sound like it, but in insurance, we know a thing or two about parties. Most parties are laid-back, but third parties—like your clients and customers—can be quick to sue you for things that aren’t your fault. Not so fun. For that reason and so many more, the cost of a liability insurance policy is negligible when you compare to what it’s worth.
Imagine you’re a general contractor. Your average workday includes a lot of risks: falling beams, live wires, even getting paint on your client’s blouse when you go to shake their hand. Everything that could go wrong is another reason why you need general liability coverage.
No matter your profession, if you serve your clients face-to-face at your place of work, their place of work, or any third-party location, you need general liability too.
Who needs general liability insurance?
You should consider purchasing general liability insurance coverage if you work with clients on a face-to-face basis or at a client’s place of work, your own place of work, or a third-party location.
How much does general liability insurance cost?
The cost of a CGL policy with Thimble is based on just a few things: what you do, where you work, how long you need coverage, and the size of your team. Your industry determines how much you’re exposed to risk, as some jobs come with a higher likelihood of physical injury or property damage.
Thimble makes general liability insurance affordable with Monthly and On-Demand plans that you can start, pause, and cancel at any time. No deposits and no hidden fees.
Professional Liability Insurance
What is professional liability insurance?
Simply put, professional liability insurance covers mistakes in your work. It’s also called errors & omissions (E&O) insurance or professional indemnity insurance, but it all refers to the same thing (you know how insurance goes).
Accidents happen, but some mistakes—the kind that result in financial loss for your customers—can lead to claims of negligence, legal defense fees, and court dates. All of those things get in the way of your success building your business, so for claims involving third parties other than physical damage, you need professional liability insurance.
Professional liability is essential for a complete risk management package, protecting your business and assets, whether you are actually responsible, or someone just claims you are.
Who needs professional liability insurance?
Professional liability insurance is beneficial across a wide range of professional services, whether you’re a small business, freelancer, or independent worker.
Basically, professional liability is insurance for ‘experts.’ If your clients rely on you for professional advice and specific knowledge, from photo editing to notarizing documents, they can also claim that a mistake in your work resulted in a loss on their part. General liability insurance protects businesses against physical damage to a third party; for everything else, you need professional liability.
How much does professional liability insurance cost?
The cost of professional liability coverage will vary based on a number of factors—mainly what you do and where you work. Your industry determines how much you’re exposed to risk, as some jobs come with a higher likelihood of professional liability, and if you live in a metropolitan area, you’ll likely pay a little more to get insured.
Thimble makes professional liability insurance affordable because it only works when you do. Buy coverage by the hour, day, week or month, and save money when you’re off the clock.