Updated: October 30, 2025

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Key Takeaways
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Small businesses pay an average of $94 monthly ($1,130 annually) for Thimble business insurance, making it the second most affordable provider in our analysis.

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Thimble ranks eighth in customer service quality compared to some insurers, indicating room for improvement in its claims processing and support systems.

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In terms of coverage options, Thimble places eighth nationally, offering a more limited selection of policy customization options.

Thimble Business Insurance Ratings

Thimble scores 4.45 in our MoneyGeek rating system, placing fifth among national providers in our analysis of 10 carriers across 79 industries. It has affordable pricing but could improve customer service, financial stability and coverage options.

Overall Score4.455
Financial Stability4.759
Customer Service4.0510
Coverage4.358
Affordability4.552

How Did We Determine These Scores?

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Industry
State

Thimble Business Insurance Ratings by Industry

Thimble offers the most affordable coverage for accountants, ad agencies and automotive businesses. It has good customer service and coverage while providing financial stability across all industries.

Data filtered by:
Select
Accountants4.403864
Ad Agency4.403753
Automotive4.502753
Auto Repair4.305753
Bakery4.305753
Barber4.504753
Beauty Salon4.304753
Bounce House4.205753
Candle4.503753
Cannabis4.204753
Catering4.602753
Cleaning4.502753
Coffee Shop4.305753
Computer Programming4.404753
Computer Repair4.402753
Construction4.402753
Consulting4.304753
Contractor4.403753
Courier4.304753
Daycare4.305753
Dental4.303753
DJ4.206753
Dog Grooming4.602753
Drone4.304753
Ecommerce4.502753
Electrical4.503753
Engineering4.403753
Excavation4.306753
Florist4.602753
Food4.404753
Food Truck4.503753
Funeral Home4.404753
Gardening4.502753
Handyman4.404753
Home-based4.205753
Home-based business4.403753
Hospitality4.304753
HVAC4.501753
Janitorial4.502753
Jewelry4.403753
Junk Removal4.105753
Lawn/Landscaping4.503753
Lawyers4.403753
Manufacturing4.305753
Marine4.403753
Massage4.305753
Mortgage Broker4.403753
Moving4.304753
Nonprofit4.205753
Painting4.501753
Party Rental4.305753
Personal Training4.104753
Pest Control4.304753
Pet4.502753
Pharmacy4.306753
Photography4.304753
Physical Therapy4.304753
Plumbing4.504753
Pressure Washing4.502753
Real Estate4.404753
Restaurant4.205753
Retail4.304753
Roofing4.502753
Security4.305753
Snack Bars4.403753
Software4.305753
Spa/Wellness4.205753
Speech Therapist4.403753
Startup4.207753
Tech/IT4.306753
Transportation4.403753
Travel4.404753
Tree Service4.602753
Trucking4.304753
Tutoring4.305753
Veterinary4.304753
Wedding Planning4.305753
Welding4.106753
Wholesale4.305753
Window Cleaning4.502753

How Did We Determine These Scores?

Thimble Business Insurance Ratings by State

Thimble ranks as the most affordable option in 17 states and maintains second-best pricing in 33 others. Its overall performance could be improved, with its highest ranking at fifth place in two states. While Thimble provides budget-friendly coverage, customers should think about their needs.

Data filtered by:
Select
Alabama4.455857
Alaska4.316635
Arizona4.347857
Arkansas4.338857
California4.318857
Colorado4.308857
Connecticut4.337857
Delaware4.337857
Florida4.318857
Georgia4.318857
Hawaii4.305635
Idaho4.318857
Illinois4.336857
Indiana4.337857
Iowa4.347857
Kansas4.298857
Kentucky4.297857
Louisiana4.317747
Maine4.337857
Maryland4.346857
Massachusetts4.308857
Michigan4.318857
Minnesota4.308857
Mississippi4.338857
Missouri4.308857
Montana4.337857
Nebraska4.337857
Nevada4.346857
New Hampshire4.338857
New Jersey4.317857
New Mexico4.318857
New York4.347857
North Carolina4.318857
North Dakota4.318857
Ohio4.318857
Oklahoma4.307857
Oregon4.308857
Pennsylvania4.336857
Rhode Island4.347857
South Carolina4.318857
South Dakota4.318857
Tennessee4.308857
Texas4.338857
Utah4.337857
Vermont4.308857
Virginia4.308857
Washington4.308857
West Virginia4.318857
Wisconsin4.307857
Wyoming4.318857

How Did We Determine These Scores?

How Much Does Thimble Business Insurance Cost?

You can get business insurance from Thimble for an average of $94 per month ($1,130 annually). Coverage types vary in cost, with workers' compensation starting at $71 monthly and business owner's policies reaching $121 monthly.

Business Owners Policies$121$1,450
General Liability$107$1,286
Professional Liability (E&O)$76$914
Workers Compensation$71$847

How Did We Determine These Rates?

How Much Does Thimble Business Insurance Cost by Industry?

The average cost of business insurance from Thimble ranges from $28 monthly for home-based businesses to $360 monthly for excavation work. Insurance costs reflect each industry's risk level, with physical labor businesses paying more than desk-based operations.

Data filtered by:
Select
Accountants$56$670
Ad Agency$74$885
Auto Repair$162$1,943
Automotive$73$870
Bakery$88$1,051
Barber$49$588
Beauty Salon$62$741
Bounce House$74$883
Candle$49$590
Cannabis$97$1,162
Catering$101$1,217
Cleaning$62$750
Coffee Shop$87$1,042
Computer Programming$68$813
Computer Repair$46$550
Construction$122$1,462
Consulting$50$598
Contractor$208$2,491
Courier$198$2,381
DJ$46$547
Daycare$53$640
Dental$33$393
Dog Grooming$52$622
Drone$44$532
Ecommerce$43$511
Electrical$63$757
Engineering$66$795
Excavation$360$4,314
Florist$45$545
Food$72$870
Food Truck$78$934
Funeral Home$68$815
Gardening$53$632
HVAC$105$1,256
Handyman$165$1,983
Home-based$28$330
Hospitality$80$956
Janitorial$51$609
Jewelry$74$884
Junk Removal$163$1,959
Lawn/Landscaping$54$643
Lawyers$64$772
Manufacturing$145$1,743
Marine$76$911
Massage$96$1,157
Mortgage Broker$60$722
Moving$165$1,980
Nonprofit$46$552
Painting$76$910
Party Rental$76$909
Personal Training$47$564
Pest Control$63$751
Pet$42$503
Pharmacy$60$718
Photography$42$502
Physical Therapy$255$3,063
Plumbing$228$2,735
Pressure Washing$312$3,747
Real Estate$74$888
Restaurant$136$1,627
Retail$67$801
Roofing$348$4,170
Security$137$1,638
Snack Bars$102$1,226
Software$60$726
Spa/Wellness$107$1,287
Speech Therapist$48$581
Startup$45$535
Tech/IT$59$707
Transportation$102$1,224
Travel$39$472
Tree Service$100$1,203
Trucking$162$1,945
Tutoring$52$628
Veterinary$63$760
Wedding Planning$57$688
Welding$167$2,003
Wholesale$53$640
Window Cleaning$90$1,079

How Did We Determine These Rates?

How Much Does Thimble Business Insurance Cost by State?

State insurance regulations, natural disaster risks and local legal environments affect business insurance rates across the country. Thimble offers its cheapest business insurance in North Carolina at $81 per month, while business owners in Washington state pay $115 monthly for coverage.

Data filtered by:
Select
Alabama$92$1,100
Alaska$86$1,029
Arizona$89$1,073
Arkansas$90$1,077
California$104$1,250
Colorado$93$1,115
Connecticut$101$1,215
Delaware$101$1,210
Florida$101$1,216
Georgia$95$1,145
Hawaii$98$1,179
Idaho$89$1,071
Illinois$103$1,235
Indiana$91$1,088
Iowa$89$1,071
Kansas$91$1,096
Kentucky$88$1,053
Louisiana$107$1,286
Maine$81$974
Maryland$89$1,069
Massachusetts$99$1,183
Michigan$89$1,064
Minnesota$88$1,055
Mississippi$94$1,131
Missouri$93$1,114
Montana$93$1,120
Nebraska$89$1,064
Nevada$107$1,282
New Hampshire$93$1,117
New Jersey$106$1,270
New Mexico$94$1,132
New York$107$1,286
North Carolina$81$972
North Dakota$89$1,065
Ohio$94$1,127
Oklahoma$89$1,064
Oregon$87$1,045
Pennsylvania$107$1,285
Rhode Island$102$1,229
South Carolina$96$1,156
South Dakota$87$1,046
Tennessee$91$1,095
Texas$94$1,125
Utah$90$1,078
Vermont$90$1,079
Virginia$86$1,030
Washington$115$1,376
West Virginia$98$1,175
Wisconsin$92$1,100
Wyoming$95$1,137

How Did We Determine These Rates?

Thimble Business Insurance Customer Experience Ratings

Based on our analysis of more than 1,100 customer reviews, we evaluated how Thimble compares to other small business insurance providers. The company ranks third nationwide with a customer score of 4.21. Thimble has a user-friendly digital platform and competitive pricing, though customer service response times and claims processing could be better.

Affordability4.404
Claims Process3.707
Customer Service3.908
Digital Experience4.702
Policy Management4.206
Recommend to Others4.305

Thimble Business Insurance Customer Reviews and Sentiment

Thimble is known for flexible short-term and monthly business insurance policies, with strong appeal to freelancers, contractors, and small business owners who need coverage on demand.

Official Website Reviews
Thimble displays thousands of customer ratings with an average of 4.4/5. Customers frequently highlight the ease of buying coverage in minutes and the convenience of instantly obtaining Certificates of Insurance (COIs).
Better Business Bureau (U.S.)
Thimble is BBB-accredited with an A+ rating. Recent reviews are mixed: positive feedback centers on affordable policies and fast setup, while negative comments cite issues with cancellations, unexpected charges, or delays in refunds.
Trustpilot
Holds a 4.4/5 TrustScore from over 2,600 reviews. Many users praise the speed, convenience, and affordability, especially for short-term needs. Critical reviews focus on auto-renewal policies and customer service response times.
Reddit
Recent small business owner threads praise Thimble’s ability to issue quick, on-demand policies for gigs and events. Some caution that it may not be ideal for businesses needing complex, long-term coverage, as policy limits and options can be more limited than traditional carriers.

Thimble excels at fast, flexible coverage for small-scale or short-term needs, making it a strong option for contractors, event vendors, and gig workers. However, its narrower coverage options and occasional billing complaints mean it’s less suited for larger businesses with complex risk profiles.

Thimble Business Insurance Industry Ratings

Independent ratings show how well Thimble handles customer needs when they file a claim. Industry evaluations confirm its ability to process claims and provide reliable customer support.

    trustSeal icon
    J.D. Power Recognition for Claims Excellence

    Thimble doesn't appear in recent J.D. Power small commercial or property claims studies.

    trustSeal icon
    National Association of Insurance Commissioners (NAIC) Complaint Index Performance

    Thimble policies are underwritten by partners such as Markel Insurance Company and National Specialty Insurance Company. NAIC complaint indices for these underwriters vary by line of business, but recent data shows generally average-to-below-average complaint volumes.

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    Better Business Bureau (BBB) Status

    Thimble is BBB-accredited with an A+ rating, signaling strong adherence to BBB’s ethical standards. However, some customer complaints suggest areas for improvement in billing and customer service.

Thimble maintains an A+ BBB accreditation, giving small businesses confidence in its reliability. As a broker, customer experiences can vary depending on the underwriting carrier and service touch points.

Thimble Business Insurance Financial Strength Ratings

Thimble itself is a managing general agent (MGA) and doesn't carry its own financial strength rating. Its policies are underwritten by highly rated carriers, including Markel Insurance Company (A, Excellent from AM Best) and National Specialty Insurance Company (A, Excellent from AM Best).

Thimble Business Insurance Coverage Options and Add-ons

Thimble focuses on flexible business insurance solutions, allowing customers to purchase policies by the hour, day, month or year.

Core

Covers bodily injury, property damage and advertising injury

Core

Protects service providers from claims of professional mistakes or negligence

Core

Combines general liability and business property coverage

Core

Provides wage and medical benefits for work-related injuries

Core

Covers buildings, equipment and inventory

Event Liability
Specialized

Short-term coverage for events, markets and festivals

Drone Insurance
Specialized

Covers commercial drone operations for damage or liability

Tools & Equipment
Specialized

Protects mobile tools and gear from theft or damage

Disclaimer

Coverage availability and limits vary by state and profession. Thimble’s offerings are best suited for businesses that prioritize speed, flexibility, and low commitment, but may not meet the needs of larger organizations requiring extensive coverage options.

Thimble Business Insurance: Bottom Line

Thimble provides small business coverage at $94 per month, ranking among the most affordable insurers. Customers value the user-friendly digital tools and online account management features. Claims processing could be faster.

Thimble Business Insurance Review Chart

Thimble Business Insurance: FAQ

Based on our analysis of Thimble's business insurance offerings, we provide answers to common questions about insurance coverage options, pricing structures and what customers can expect from their service.

How much can I expect to pay for Thimble business insurance?

How much does Thimble business insurance cost by industry?

What industries does Thimble rank best for?

Which states offer the cheapest Thimble business insurance rates?

What are Thimble's biggest weaknesses compared to competitors?

How We Rated Thimble Business Insurance

Small business owners need reliable information to make smart insurance choices. Our analysis shows how Thimble compares to other providers on the factors that matter most:

  • Affordability (50% of score): We compared Thimble's rates across all insurance types against nine other national carriers to find the best values for small businesses.
  • Customer experience (30% of score): We analyzed service quality through J.D. Power ratings, complaint records and customer feedback to understand how well Thimble supports businesses when they need help.
  • Coverage options (15% of score): We looked at Thimble's available policies, coverage limits and extra protection options to assess how well they meet different business needs.
  • Financial strength (5% of score): We reviewed financial stability ratings and company reports to confirm Thimble can reliably pay claims.

We gathered quotes from 79 industries for four types of coverage, using a standard business profile: two employees, $300,000 in yearly revenue and $150,000 in payroll. Our research reveals both the strengths and limitations of Thimble for your business insurance needs.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.


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