Insurance · No reputation warning
Thimble Review
Digital MGA owned by Arch Insurance since 2023: liability coverage by the job, month or year, bought online, in its app or by phone
Quick verdict
Thimble is best for Solo trades and small crews with irregular, seasonal or one-off jobs that need liability coverage or a certificate of insurance quickly. Quote speed: Online, in the app or by phone; coverage can start the same day you buy. Pricing: Quoted per job, month or year. An MGA rather than the insurer, no commercial auto on its product list, and short-term policies must be bought again for each job or period.
About Thimble
Thimble sells short-term and annual liability insurance for small businesses on its website, in its app and by phone. You can buy coverage by the job (down to hours or days), by the month or by the year, which suits trades with irregular or seasonal work, or a single job that needs a certificate of insurance before you start.
Thimble is not an insurance company. It is a digital managing general agent (MGA) that arranges policies with carrier partners; at the time of its 2023 sale those partners included Markel and Employers. Arch Insurance, part of Arch Capital Group, acquired Thimble in April 2023, and Thimble kept selling under its own brand. When the deal was announced, Thimble had delivered more than 170,000 policies. The company started as Verifly, an on-demand drone insurance startup, and rebranded to Thimble in 2019.
Thimble's site lists general liability, professional liability, business equipment protection, business owner's policies (BOPs), cyber and event insurance. Commercial auto is not on that list. In 2026 Thimble announced a WTW-built pricing engine and a ChatGPT integration that lets brokers and partners generate quotes.
The trade-off: short policies are handy for one-off jobs, but they end when the job window ends and have to be bought again. Trades with work vehicles need a separate auto policy, and if you work year-round it is worth comparing an annual Thimble policy against annual quotes from other carriers.
How it works
Choose the coverage you need, enter your trade and business details, and pick the length: by the job (hours or days), the month or the year. You can buy on Thimble's website, in its app or over the phone, and coverage can start the same day. Thimble arranges the policy with one of its carrier partners and you can download proof of coverage after you buy. Job-length policies end when the chosen window ends.
Pros & cons
What works
-
Coverage by the job, month or year
You can match coverage to the work: a policy for a single job, a monthly policy for a busy season, or an annual policy.
-
Buy online, in the app or by phone
Thimble sells directly through its website, its app and over the phone, and coverage can start the same day you buy.
-
Owned by Arch
Arch Insurance, part of Arch Capital Group, has owned Thimble since 2023, and Thimble has kept launching products since the deal.
What doesn't
-
Not an insurance company
Thimble is an MGA and the policy is issued by a carrier partner. Check which carrier is named on your policy documents.
-
No commercial auto
Commercial auto is not among the lines Thimble lists, so trades with work vehicles need a separate auto policy.
-
Short policies need rebuying
Job-length coverage ends when the job window does. If you forget to buy the next policy, you are uninsured for that work.
Coverage
- Insurance lines
- general liabilityprofessional liabilityboptools equipment
- Geographic coverage
- Thimble says it offers small business liability insurance across the United States; check its availability page for your state and trade
- Premiums
- Quoted per job, month or year
- Quote speed
- Online, in the app or by phone; coverage can start the same day you buy
- Trade coverage
- HVACElectricalRoofingGeneral ContractorsLandscaping & Lawn CareCleaning ServicesPest ControlPool ServiceLocksmithGarage DoorAppliance RepairHandyman ServicesPaintingWaste & Junk RemovalPressure Washing & Window Cleaning
- Affiliate program
- Unknown. Affiliate program exists but documented terms unclear.
Reviews and complaints at the source
We do not copy third-party review scores onto this page: they change often and we could not verify them. Read Thimble's current reviews at the source.
Frequently asked
Who owns Thimble?
Arch Insurance, part of Arch Capital Group, acquired Thimble in April 2023. Thimble still sells under its own name; it arranges policies with carrier partners rather than issuing them itself.
Can I buy insurance for just one job?
Yes. Thimble sells coverage by the job, the month or the year, and job-length coverage can be as short as hours or days. The policy ends when the window you chose ends.
Other insurance providers
ERGO NEXT (formerly NEXT Insurance)
Tier ADigital small-business insurer, renamed ERGO NEXT in 2026 and owned by Munich Re's ERGO, selling general liability, BOP, workers' comp and professional liability online and through agents
Hiscox
Tier ASpecialty insurer with Lloyd's roots going back to 1901, selling general liability, professional liability (E&O), BOP and cyber to US small businesses online and through brokers
Simply Business
Tier AOnline insurance marketplace owned by Travelers: one application, quotes from several carriers, buy online
Insureon
Tier AOnline insurance agency owned by Hub International since 2022: one application, quotes from several carriers, licensed agents on call
The Hartford
Tier AHartford, Connecticut insurer dating to 1810 that sells small business policies online, by phone and through independent agents
Travelers
Tier APublicly traded property and casualty insurer (NYSE: TRV) that sells business insurance through independent agents and brokers, and owns the online broker Simply Business