Home Small Business Insurance — Instant Coverage for 40+ Trades
Small business insurance, fast.
Flexible coverage for freelancers, contractors, and small operators — buy by the month or year, and download your Certificate of Insurance in minutes. Powered by Thimble.
Instant Certificate of Insurance Monthly or Annual Add Insureds Free 40+ Business Classes
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Most policies: quote and coverage in about 5 minutes.
Quote your business Answer a few questions and get a price instantly. No obligation.
✔ General Liability & Business Owners Policies ✔ Add Professional Liability, Cyber & more ✔ Instant Certificate of Insurance ✔ Coverage by the month or year
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Coverages you can get
General Liability Third-party bodily injury and property damage — the coverage most clients and venues require.
Business Owners Policy Bundles general liability with property coverage for your space, equipment, and inventory.
Professional Liability Covers claims of mistakes, negligence, or bad advice in the professional services you provide.
Cyber Insurance Helps with data breaches, ransomware, and other cyber incidents that hit small businesses.
Business Equipment Protection Protects the tools and equipment you rely on, on the job and on the move.
Hired + Non-Owned Auto Liability when you or staff drive rented or personal vehicles for the business.
Businesses Thimble covers
We can place Thimble coverage across 40 common business classes in 10 categories. Don't see yours? It's often still eligible — start a quote to check.
Food & Beverage
Bakery
Business Owners Policy Equipment Breakdown Coverage Hired + Non-Owned Auto Coverage
Catering
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Coffee Shop
Business Owners Policy Equipment Breakdown Coverage Restaurant Endorsement
Restaurant
Business Owners Policy Equipment Breakdown Coverage Restaurant Endorsement
Beauty & Personal Care
Barber / Barber Shop
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Beautician / Cosmetologist
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Hair Stylist / Hair Salon
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Beauty Services (Hair, Makeup, Nails)
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Cleaning & Janitorial
Carpet Cleaning
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Floor Waxing
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
House Cleaning / Maid Service
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Janitorial Services
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Pressure Washing
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Window Cleaning
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Professional Services
Accounting & Auditing Services
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Business Consulting
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
IT Consulting / Computer Programming
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Insurance Agency / Brokerage
Business Owners Policy Equipment Breakdown Coverage Hired + Non-Owned Auto Coverage
Real Estate
Real Estate Agent / Brokerage
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Health Care
Dentist's Office
Business Owners Policy Equipment Breakdown Coverage Hired + Non-Owned Auto Coverage
Physician's Office
Business Owners Policy Equipment Breakdown Coverage Hired + Non-Owned Auto Coverage
Retail
Hardware Store
Business Owners Policy Equipment Breakdown Coverage Hired + Non-Owned Auto Coverage
Electronics Store
Business Owners Policy Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Retail Store / Clothing & Gifts
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Florist / Flower Shop
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Creative Services
Graphic Designer
Business Equipment Protection Business Owners Policy Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Photographer / Videographer
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Writer / Editorial Services
Business Equipment Protection Business Owners Policy Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage Professional Liability
Education
Tutor / Educator
Business Equipment Protection Care, Custody and Control Cyber Insurance General Liability Professional Liability
Contractors
Electrical Work
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
HVAC / AC Installation & Repair
Business Equipment Protection Care, Custody and Control Cyber Insurance General Liability
Plumbing Contractor
Business Equipment Protection Care, Custody and Control Cyber Insurance General Liability
Painting Contractor
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Landscaping / Lawn Care
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Flooring Installation
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Fence Installation
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Appliance Installation / Repair
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
Handyperson / Home Repair
Business Equipment Protection Business Owners Policy Care, Custody and Control Cyber Insurance Equipment Breakdown Coverage General Liability Hired + Non-Owned Auto Coverage
General Contractor
Business Equipment Protection Care, Custody and Control Cyber Insurance General Liability
Debris Removal
Business Equipment Protection Care, Custody and Control Cyber Insurance General Liability
Eligibility and pricing vary by state and class; some coastal ZIP codes are ineligible for certain products. Always confirmed at quote.
What our customers say
★★★★★
Real 5-star reviews from our customers on Google.
Read more on Google
★★★★★
Laura was a pleasure to work with. She made the impossible happen when others turned me down! Definitely a 5-star performance!
— Sabrina B.
★★★★★
10/10 — Laura was wonderful getting me the cheapest insurance possible. Patient, friendly, all of the above. Great customer service. Definitely recommending!
— Aaliyah M.
★★★★★
Laura has the best customer service ever. She really cares about who she is helping, very patient, and will get you the best deal!
— Charles B.
★★★★★
Logan is so amazing — very knowledgeable and patient. It's always a pleasure to do business with him. Look forward to continuing business with you!
— Ayla W.
★★★★★
Chase Stewart was a great help getting me set up with a very affordable, full-coverage policy on my new truck.
— Markus S.
★★★★★
Great customer service, great rate. They even helped me cancel my other insurance. Thank you!
— Kayla D.
Get covered in minutes. Quote online, buy when you're ready, and download your Certificate of Insurance on the spot.
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Thimble business insurance FAQs
What is Thimble business insurance?
Thimble offers fast, flexible small-business coverage — including General Liability and Business Owners Policies — that you can buy by the month or year and manage from your phone. It's built for freelancers, contractors, and small operators who need a Certificate of Insurance quickly.
How fast can I get coverage and a Certificate of Insurance?
Most small businesses can get a quote and an active policy in minutes, then download a Certificate of Insurance (COI) instantly and add additional insureds at no extra cost.
What kinds of businesses does Thimble cover?
A wide range of common classes — food and beverage, beauty and personal care, cleaning and janitorial, professional services, retail, health care, creative services, and many contractor trades. See the appetite list below.
Can I add specific coverages like Cyber or Professional Liability?
Yes. Depending on your class and state, you can add coverages such as Professional Liability, Cyber, Equipment Breakdown, and Hired + Non-Owned Auto to your policy.
Are there any restrictions I should know about?
Availability varies by state and class, and some coastal ZIP codes are ineligible for certain products. We'll confirm exact eligibility and pricing when you start your quote.
