Thimble review: coverage, who it suits and claims

What Thimble is and how buying works

Thimble is the trading name of Verifly Insurance Services, LLC, an insurance producer organized under New York law. According to the footer of Thimble’s website, the company is a wholly owned subsidiary of Arch Insurance Group Inc. Its help center describes Thimble as “a licensed insurance agent selling multiple types of policies,” which means it arranges coverage rather than carrying the risk itself.

Thimble says it is regulated by the New York State Department of Financial Services under producer license number 1417833. Its published license list, last updated in December 2024, shows entity licenses in every state and the District of Columbia, with a note that Rhode Island does not issue entity licenses.

Buying is self-service. Thimble’s About page says you can buy online, in the app or over the phone, and choose coverage by the job, month or year for more than 1,000 business activities. It also says you can modify, pause or cancel a policy from your account. The company says its founders started it in 2016, and it previously operated under the Verifly name.

Coverage it offers and who issues it

Thimble’s help center lists its own small business policies as commercial general liability, professional liability, business equipment coverage and customer property coverage. Its About page says these are underwritten by Markel Insurance Company and National Specialty Insurance Company, a subsidiary of State National Insurance Company.

Other lines come through partners. The help center says business owner’s policies and workers’ comp are offered through Coterie and Cerity/Employers, and the About page names Employers Insurance Group and Coterie Insurance Agency as partners. On these policies the insurer and the service process may differ from Thimble’s core products, so check the declarations page to see who issued yours.

Thimble’s site menu also has pages on cyber, inland marine, event insurance and surety bonds. Commercial auto is listed too, but that page is an explainer: a Thimble help article on commercial auto says “Not yet,” adding that the company is working on new lines.

Who it suits and who it may not

Thimble is built around very small and new businesses. Its About page says 75% of its customers are first-time business insurance buyers and that it has covered more than 151,000 small businesses. The professions it features include handymen and contractors, photographers and videographers, landscapers, cleaners, event professionals, fitness instructors, musicians and DJs, and car, boat and RV detailers.

The short-term options fit work that comes and goes. A caterer, DJ or vendor who needs a certificate for one event can buy a policy for that job, then move to monthly or annual cover as work grows. Thimble’s help center describes the model as on-demand insurance by the job.

It may fit less well in a few situations, based on what Thimble publishes:

• Businesses that own work vehicles, since Thimble’s help center says it does not sell commercial auto.
• Businesses in Kentucky, New York or Washington that need general liability, which its availability page excluded as of October 2026.
• Businesses that want every line from one insurer, since the BOP and workers’ comp come from partners rather than from Thimble’s core carriers.
• Trades or activities outside its list of covered classes; its site notes products are subject to state and class availability.

How claims and service work

Claims start on Thimble’s Report a Claim page, or from the menu inside your account. Thimble says anyone can report a claim, including a person who was harmed and does not hold a Thimble policy. You give the insured’s policy number, say how you are connected to the claim, confirm the policy and your contact details, and summarize what happened, when and where.

Thimble arranges the policy, but a separate company handles the claim. Its claims service page sends you to a different claims handler based on the first letters of your policy number.

What to compare and ask before buying

Short-term and low-cost policies can look alike on a quote screen while differing in the details that matter in a claim. Put the same questions to Thimble and to every other option you consider.

• Which insurer issues this policy, and who will handle a claim on it?
• What are the per-occurrence and aggregate limits, and do they meet your client’s or landlord’s contract?
• Is your exact activity listed as covered, and what exclusions apply to your trade?
• Can you add additional insureds, and is there a charge?
• What happens to coverage if you pause or cancel, and are there refunds?
• Which lines will you still need elsewhere, such as commercial auto?

How it fits with getting several quotes

Thimble is one agency with a defined set of carriers and partners, so its quote shows only what those companies will offer your business. Prices vary by state, activity, limits and claims history, and a business that needs commercial auto or operates in a state outside Thimble’s general liability footprint will need at least one other source anyway.

Comparing quotes on the same limits and terms is the clearest way to see whether a by-the-job policy, a monthly policy or an annual package suits your work. A broker such as Florin can compare quotes from several insurers alongside the one you get from Thimble.