Thimble – Legit Business Insurance Company? Read Our Review

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Pros and Cons of Thimble Insurance

Thimble (https://www.thimble.com/) is a tech-forward insurance provider offering flexible, short-term and long-term policies for small businesses across the United States. Originally launched as Verifly in 2016 to provide drone insurance, the company rebranded as Thimble in 2019 and now offers a wide range of business insurance products in all 50 states. Whether you need insurance for a single event or full-time coverage, Thimble makes it easy to get protected online in minutes.

Starting as Verifly, Thimble’s owners used to focus on selling drone insurance (which was a craze back in the 2010s). The Verifly-to-Thimble rebrand happened in 2019. That’s when this company started selling affordable insurance policies to small businesses. Discontinuing the exclusive drone insurance in 2023, Thimble now provides insurance to businesses. This is the story of one of the best insurance sellers in America!

Quick Overview

Basically, Thimble’s an app that you can use to manage your insurance policy. It allows you to buy insurance policies online, tailoring your coverage to fit your industry. You can have an online account and get instant Certificates of Insurance or COIs via Thimble. It prides itself on its ability to give you the best, A-rated insurance.

Company Snapshot

Covering more than 300 professions, Thimble claims to have sold over 200,000 policies to a lot of US-based businesses, representing 60k businesses. They claim that 3 out of 4 clients that they have are first-time buyers. Some standout features of Thimble include:

• A fast and efficient online quoting system
• A streamlined policy purchasing system
• An app to generate quotes and manage policies
• File claiming with a fast response time
• Short-term liability for jobs or special events

Contact Information

Thimble normally refrains from listing its customer support number publicly. It prefers that its customers get in touch with it online. This is actually one of the many flaws of Thimble, i.e., talking to a live person is difficult. Anyways, here’s how you can get in touch with them:

• Website: www.thimble.com
• Email: support@thimble.com
• Phone: (855)-940-4525
• Address: 174 West 4th Street, Suite 204, New York, NY 10014

Besides their headquarters in NYC, Thimble’s staff is also located in various other locations, such as Seattle, Phoenix, and Chicago. These teams work remotely to give Thimble’s clients the best insurance services possible.

Reviews & Ratings

Thimble has been rated positively by reviewing platforms that’ve praised it for offering some of the best insurance services to small businesses in the US.

• TrustPilot gave it 4.3 out of 5 based on 2182 reviews
• Nerdwallet gave it 4 out of 5 reviews
• Delighted gave it 9.8 out of 10
• App Store gave it 4.8 out of 5 (890 reviews)

Thimble seems to have earned high marks from customers for its ease of use, fast online quotes, and transparent pricing. Many appreciate how quickly they can get covered—often within minutes. However, some users note that customer support is limited to digital channels, which may be a downside if you prefer speaking to a live agent. Overall, Thimble maintains consistently strong reviews across multiple platforms.

Types of Business Insurance Provided

As an A-rated insurer, Thimble provides you with all kinds of business insurance. Here are some areas that it covers really well:

1.   General Liability

This insurance type protects your business when your workers are accused of causing damage to a third party.

2.   Professional Liability

Also called errors and omissions insurance, this type protects you when you’re accused of being careless in your professional duties.

3.   Business Equipment Protection

This is inland marine coverage that protects your business equipment and tools if they are lost, stolen, or damaged, including items you take to job sites

4.   Business Owners Policy

Called BOP, this insurance type mixes general liability insurance with commercial property insurance.

5.   Commercial Property Insurance

However, commercial property insurance is available on its own as well. It protects your small business in case business equipment gets lost, stolen, or damaged.

6.   Cyber Insurance

Cybersecurity insurance helps protect your business in case of hackers gain access to your sensitive data. It protects you from the financial cost of cyber breaches.

Industries Served

Thimble serves a broad range of U.S.-based industries, from freelancers and event vendors to landscapers and retail store owners. The quote process is streamlined—you simply answer a few quick questions about your profession, location, and how long you need coverage. Thimble is especially popular among professionals who need fast, short-term insurance for gigs, contracts, or special events! Some major industries covered by Thimble include the following:

• Landscapers
• Pet Sitters
• Retail Stores
• Restaurants
• Janitors + Cleaners
• Event Organizers
• Event Vendors
• Freelancers
• Handymen
• Photographers
• Personal Trainers

Eligibility Criteria

Thimble’s eligibility requirements are straightforward. To qualify, you must be at least 18 years old, provide accurate business information, and agree not to transfer your policy to others. Most small business owners, freelancers, and contractors will find it easy to get approved through Thimble’s fast online application process. You just have to meet these conditions:
– Be at least 18
– Provide accurate business info
– Operate in an eligible profession and state

Cost & Prices

Thimble’s pricing depends on factors like your industry, business size, location, and coverage type. General or professional liability insurance typically costs around $500 per year, while short-term event insurance averages $230. Business equipment insurance starts at $23/month. These figures are estimates—your actual quote will be tailored to your specific business needs.

These numbers are rough averages based on typical small business profiles. Your actual premium may be higher or lower depending on your industry, claims history, coverage limits, and location. The best way to know is to run a quick quote on Thimble’s site

Don’t forget that this pricing list depends on the type of your business and other factors.

Final Verdict: Is Thimble Right for Your Business?

Thimble is a modern solution for modern business owners. If you need insurance quickly—whether for a one-day event or full-time operations—Thimble offers flexible policies and an easy, digital-first experience. It’s especially well-suited for freelancers, contractors, and small business owners who value convenience and speed.

Get a free quote from Thimble today: Click here to get started →

FAQs – Thimble Insurance

What is Thimble Insurance?

Thimble is a digital insurance platform that provides flexible business insurance policies for small businesses, freelancers, and gig workers. You can purchase coverage for a specific day, month, or year entirely online, with instant proof of insurance available upon checkout.

What types of business insurance does Thimble offer?

Thimble offers a variety of coverage options including:

• General Liability
• Professional Liability (Errors & Omissions)
• Business Owners Policy (BOP)
• Business Equipment Protection (Inland Marine)
• Commercial Property
• Event Insurance
• Cyber Liability Insurance

Who is Thimble best suited for?

Thimble is ideal for self-employed professionals, contractors, and small business owners who need fast, affordable, and flexible insurance. It’s especially helpful for those in industries such as events, photography, fitness, cleaning, pet care, landscaping, and freelancing.

Is Thimble available in all U.S. states?

Yes, Thimble operates in all 50 U.S. states and Washington D.C. However, availability of specific policy types may vary slightly depending on state regulations and underwriting requirements.

Can I get short-term or one-day insurance with Thimble?

Yes. One of Thimble’s key features is short-term liability coverage. You can get insurance for a single hour, day, week, or job — making it perfect for freelancers, pop-up shops, and event vendors who don’t need year-round coverage.

How quickly can I get coverage with Thimble?

You can get a quote and purchase insurance in under 5 minutes. Once your purchase is complete, Thimble provides an instant Certificate of Insurance (COI) for immediate proof of coverage.

Does Thimble offer a mobile app?

Yes. Thimble has a highly rated mobile app available for iOS and Android. Through the app, you can get quotes, purchase or modify policies, download COIs, and manage claims—all from your smartphone.

How do I file a claim with Thimble?

You can file a claim directly through the Thimble website or app. You’ll be asked to describe the incident and upload any relevant documentation. Once submitted, a claims adjuster will review your case and contact you with next steps.

How long does it take to process a claim?

Claim processing time varies depending on the complexity of the case. Simple claims may be resolved in a few days, while more complex incidents may take longer. Thimble partners with A-rated carriers who handle claims professionally and in accordance with industry standards.

Can I cancel my Thimble policy at any time?

Yes. You can cancel your policy through your Thimble dashboard or app. If you’re on a monthly or annual plan, you may receive a prorated refund depending on the timing and nature of your cancellation. Short-term/event-based policies are typically non-refundable after the coverage period begins.

Does Thimble offer discounts for bundling policies?

While Thimble does not currently advertise bundling discounts like some traditional insurers, you can combine multiple types of coverage into a single policy, such as general liability + tools & equipment, or BOP packages, which may reduce your total cost and streamline administration.

Can I manage multiple policies under one Thimble account?

Yes. Business owners with multiple types of coverage or operating in different states can manage all their policies under one Thimble account. You can view policy documents, download COIs, and make changes from a single dashboard.

Is Thimble underwritten by a reputable insurer?

Yes. Thimble partners with top-rated insurance carriers including Markel and Arch Insurance (which acquired Thimble in 2023). These companies are rated A or better for financial strength and claims-paying ability.

What’s the average cost of a Thimble policy?

Pricing varies depending on your industry, location, and policy length. As a rough estimate:

• General or professional liability: ~$500/year
• Special event insurance: ~$230 per event
• Business equipment insurance: starts at ~$23/month

It’s best to get a personalized quote from Thimble’s website or app.

Can I speak with a live agent?

Thimble is designed to be fully digital. While customer service is available via email and online chat, live phone support is limited. This self-service model helps keep costs low, but may not suit businesses that prefer hands-on service.

How is Thimble different from traditional business insurance providers?

Unlike traditional insurers, Thimble specializes in fast, flexible, and short-term coverage. Everything is handled online—from quoting and purchasing to managing claims—without paperwork or long wait times. It’s designed for the modern, digital-first small business owner.