Thimble offers a variety of small business insurance options. Notably, you can buy short-term coverage for shorter amounts of time—by the job, day or month.

Thimble’s General Liability Insurance

Through Thimble, you can purchase general liability insurance as a stand-alone policy. This can pay out if you’re sued by another party, such as a customer. It can foot the bill for a court judgment or a settlement and your legal defense costs.

Thimble’s Commercial Property Insurance

A commercial property insurance covers a business’s physical location—such as a store, office, studio or warehouse—if there’s loss, vandalism or accidental damage. It can cover costs to repair damage or destruction to your physical space and your equipment, supplies and furniture. It also covers outdoor property such as fences and signs.

Thimble’s Business Owners Policy (BOP)

The jumping-off point for many small businesses is usually a business owners policy. From there, you can tack on endorsements (aka riders) to tailor a policy.

Thimble’s business owners policy (BOP) groups together three essential forms of coverage.

• General liability insurance. 
• Business property insurance.
• Business interruption insurance. If your business must temporarily shutter because of damage, business interruption insurance can cover loss of income. It can also foot the bill for you to temporarily relocate your business.

You can tack on extra coverage to a BOP from Thimble, such as:

• Insurance for business equipment loss.
• Cyber insurance for data breaches and cyber attacks.
• Workers’ compensation insurance for employee injuries that happen due to the job.

Thimble’s Contractors’ Business Insurance

A contractors’ business insurance policy is a combination of general liability coverage and business equipment protection. More commonly known as inland marine insurance, Thimble’s business equipment insurance covers business equipment you own or are renting or borrowing. Whatever equipment you use for your business, whether it’s tools or a laptop, this can cover damage.

Thimble’s Professional Liability Insurance

Also known as errors and omissions insurance, professional liability insurance covers you for claims that you’ve made a mistake in your line of work that caused reputational or financial damage. This can pay for court judgments, settlements and your legal fees.

Thimble’s Cyber Insurance

If your business suffers a data breach, cyberattack, virus or malware problem, cyber insurance can cover the cost of investigations, legal fees and expenses in the aftermath of a cyberattack, such as customer notifications.

Thimble’s Workers’ Compensation Insurance

If you have employees—or work solo—workers’ comp can cover medical expenses, fatalities, lost wages, rehab and training and short-term or permanent disability if a worker becomes sick or injured from a job-related incident.

Many states require employers to carry workers’ comp insurance.

Thimble’s Event Insurance

If you’re holding an event, event insurance can cover property damage and injuries for third parties such as the venue, vendors and attendees. It also can include liquor liability insurance, which can cover damages and legal expenses if alcohol served at your event results in someone causing damage or injury.