Thimble provides on-demand small business insurance with flexible short-term coverage options. Learn if it’s right for your business.
WRITTEN & RESEARCHED BY
Expert Contributor
Last updated onUpdated
REVIEWED BY
Editor & Senior Staff Writer
| Total Rating |
4.1 |
|---|---|
| Pricing4.9 | |
| Features3.2 | |
| Customer Service3.5 | |
| User Reviews4.7 | |
Pricing
Flexible pricing based on coverage duration and needsCoverage Options
Basic to moderate coverage with flexible policy optionsQuote Speed
Instant online quotesTable of Contents
Thimble is an online insurance provider that offers flexible coverage options for small businesses.
The company is known for its on-demand insurance model, allowing policyholders to adjust coverage based on their needs. Thimble also offers short-term and event-based policies, so it’s a popular option for freelancers, independent contractors, and seasonal businesses.
| Pricing4.9 |
|---|
| Affordability 5.0 |
| Transparency 4.5 |
Thimble ranks highly for its pricing because it’s inexpensive and flexible, and you can choose from a limited à la carte menu of policies to get the coverage package your business needs.
Like most insurance companies, Thimble offers personalized quotes for coverage. Your price will depend on a variety of factors, including your location, your business size, and what types of coverage you purchase.
Unlike other insurance companies, Thimble offers almost instant quotes. And if you’re ready to move forward, you can pay online and be covered almost immediately.
Thimble makes the quote process quick and easy.
When you visit Thimble’s website, you’ll be asked to choose general business insurance or insurance for an event, such as a festival or concert.
Then you’ll be asked to enter information like:
Thimble’s quote calculator will offer suggestions for the types of coverage you should consider.
Once you’ve received your quote, you only need to pay your first and last month’s premiums to get same-day coverage.
Thimble’s price quote includes useful information about deductibles, policy limits, and policy packages. You can see exactly what is covered and to what extent. Transparency is valuable when it comes to purchasing business insurance, and Thimble delivers in this area.
Check out our piece on understanding your business insurance quote if you have questions about your results.
| Features3.2 |
|---|
| Types Of Insurance Offered 3.5 |
| Additional Services 2.5 |
Thimble operates as a digital insurance platform and doesn’t underwrite its own policies. Instead, it partners with established insurance carriers to provide coverage.
The company focuses on a fully 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 streamlined experience, its coverage options are more limited than those of some traditional insurers. For example, it doesn’t currently offer certain policies, such as commercial auto insurance, and doesn’t include additional services like risk engineering.
Here are a few standout features:
Thimble offers a selection of core small business insurance policies, along with some specialized and short-term coverage options. However, its overall range of policies is more limited than that of many traditional insurers.
That said, Thimble’s offerings are well-suited to its target audience, particularly freelancers, independent contractors, and businesses with short-term or flexible coverage needs.
Here are the main types of coverage available through Thimble:
Availability may vary by state. Core policies — such as 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 was originally launched as Verifly, a platform focused on drone insurance, before expanding into broader small business coverage. While it no longer offers drone-specific policies, the company continues to serve industries such as photography and videography.
Thimble is well-suited for small businesses, independent contractors, and freelancers — particularly those with fewer employees or more flexible coverage needs.
Its on-demand model makes it a strong fit for businesses that take on short-term projects, receive last-minute bookings, or need to quickly provide proof of insurance. This can be especially useful for contractors, event professionals, and others who must meet insurance requirements on short notice.
Thimble’s flexibility also makes it a practical option for businesses that only need coverage intermittently rather than year-round.
Businesses looking for a provider that underwrites its own policies or offers a broader range of coverage options may want to compare alternatives, such as ERGO NEXT.
Because Thimble doesn’t underwrite its own policies, claims are handled by the insurance carrier that provides your coverage rather than by Thimble directly.
However, Thimble does play a role in facilitating the process and can help guide policyholders through the initial steps.
You can begin the claims process through Thimble’s website or mobile app. Thimble will collect basic information about your claim and forward it to the appropriate insurance carrier.
If you have questions during the process, you can contact Thimble for support via email.
Customer feedback on Thimble’s claims experience is generally positive, though experiences can vary depending on the underlying insurance carrier handling the claim.
Thimble partners with established insurers such as Markel, which holds strong financial strength ratings from agencies like AM Best. These partnerships help support the overall reliability of claims handling.
Customer Service3.5 Ease Of Claim Filing 4.0 Customer Support 3.0
Thimble offers a primarily digital customer support experience. The company doesn’t provide phone support, 24/7 assistance, or dedicated representatives. Instead, support is available through 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 on Thimble’s support experience is generally positive, with many users describing the platform as easy to use and straightforward. While some complaints can be found, many customers report a smooth experience managing policies and purchasing coverage online.
This feedback likely reflects Thimble’s self-service model, which emphasizes a streamlined app and online tools for handling most insurance-related tasks without interacting with agents.
User Reviews4.7 User Feedback 5.0 Review Site Aggregate 4.5
Customer reviews for Thimble are generally positive across major review platforms, with many users highlighting the company’s ease of use and flexible coverage 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 a large number of user reviews.
While feedback is largely favorable, some negative experiences have been reported.
Common complaints mentioned in customer reviews include:
Many customers report positive experiences with Thimble, particularly those looking for fast, flexible coverage. Common themes in positive reviews include:
Thimble fills a unique niche in the insurance market by offering flexible, on-demand coverage options for small businesses.
While it may not be the best fit for every business, Thimble is particularly well-suited for those that don’t need continuous coverage and instead benefit from short-term or project-based insurance.
With its ability to offer coverage by the hour, day, or job, Thimble stands out as a strong option for freelancers, contractors, and other businesses with changing insurance needs.
If, after reading this, you’re still curious about your other insurance options, our rundown of the best small business insurance companies details some excellent providers.
The Merchant Maverick Seal of Approval 🏆
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Thimble
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After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Thimble for yourself.
The Merchant Maverick Seal of Approval 🏆
|
Thimble
|
|---|
After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Thimble for yourself.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. Thimble made the cut.
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