Insurance provider review
Thimble Insurance Review 2026
Thimble is an Arch-owned insurance broker selling small-business coverage by the job, month or year. This source-based profile names its insurers and the questions to ask first.
Quick facts
- States
- 50 states and DC; coverage varies by state
Pros
- Coverage terms by the job, month or year, according to the provider
- Provider says certificates of insurance are emailed after purchase
- App listing allows unlimited additional insureds
Cons
- The issuing insurer varies by product; check your policy documents
- Eligibility, pricing and coverage vary by state, activity or class
- Listing says full policy terms appear in the app once a policy is purchased
Thimble is a U.S. insurance broker owned by Arch, not the insurance company that pays covered claims. Its trade name, Thimble Insurance Services, belongs to Verifly Insurance Services, LLC, which Thimble's App Store listing describes as a licensed insurance broker in all 50 states and the District of Columbia and a subsidiary of Arch Capital Group Ltd. Arch Insurance announced on April 11, 2023, that it had acquired Thimble. We checked these sources on October 3, 2026. Thimble App Store listing, Arch acquisition announcement.
The policies themselves come from partner insurers. Arch's announcement says Thimble "works with a variety of carriers including Markel and Employers." Thimble's About page, in a copy archived June 11, 2026, named Markel Insurance Company and National Specialty Insurance Company as underwriters. Arch acquisition announcement, Thimble About page, archived June 11, 2026.
Thimble may be worth exploring if your work comes in separate jobs or seasons and you need proof of coverage on short notice. Its listing says it offers coverage "by the job, month, or year."
Thimble: verified facts and limits
Each statement comes from the linked public source. "Checked" is the date we reviewed that source. Thimble's own website blocked automated access during our review, so Thimble pages are cited from dated archived copies.
| Fact | Primary source | Checked | Limitation |
|---|---|---|---|
| Arch Insurance announced on April 11, 2023, that it had acquired Thimble. Arch lists Thimble among its insurance affiliates and subsidiaries. | Arch announcement, Arch affiliates page | 2026-10-03 | Ownership does not identify the insurer that issues your policy. |
| Verifly Insurance Services, LLC operates as Thimble Insurance Services and is a licensed insurance broker in all 50 states and DC, according to Thimble's listing. | Thimble App Store listing | 2026-10-03 | The insurer named on the policy, not the broker, is responsible for covered claims. |
| Thimble offers coverage by the job, month or year. The app lets you extend an on-demand policy, upgrade to an annual policy or pause a monthly one. | Thimble App Store listing | 2026-10-03 | The listing notes that available features vary by product. |
| Listed coverages include general liability, professional liability, business equipment protection (inland marine), business owner's policies, commercial property, workers' compensation, cyber and event insurance. | Thimble App Store listing | 2026-10-03 | The listing says eligibility, pricing and coverage may vary by state, activity or class. |
| Thimble names Markel Insurance Company and National Specialty Insurance Company as underwriters, and says other products come through partners such as Employers Insurance Group and Coterie Insurance Agency. | Thimble About page, archived June 11, 2026 | 2026-10-03 | Archived copy; confirm the insurer on your own policy documents. |
| Thimble's insurance ratings page lists Benchmark Insurance Company, Employers Insurance Group, Markel Insurance Company, National Specialty Insurance Company and Spinnaker Insurance Company. | Thimble ratings page, archived June 16, 2026 | 2026-10-03 | The page refers readers to AM Best for current ratings. |
| Thimble says general liability claims are handled on behalf of Markel Insurance Company or National Specialty Insurance Company, using the contact instructions on your policy. | Thimble general liability page, archived July 12, 2026 | 2026-10-03 | Claim handling depends on the issuing insurer and the policy terms. |
| The listing says you get a certificate of insurance in your inbox instantly and can add unlimited additional insureds. | Thimble App Store listing | 2026-10-03 | A certificate summarizes coverage; the policy and its endorsements control what is covered. |
| Policy details, including terms and conditions, are available in the app once the policy is purchased. | Thimble App Store listing | 2026-10-03 | If a contract requires specific wording, ask to see the policy forms before you pay. |
When short-term coverage fits, and what to check
Coverage by the job can suit a photographer booked for one event or a contractor with a single site visit. A monthly or annual policy may suit steadier work. The important question is whether the policy dates and terms match what your client or venue actually requires.
| Your situation | What to ask before buying |
|---|---|
| A venue needs proof of insurance for one event | Do the policy dates cover setup and teardown as well as the event itself? |
| A client wants to be named as an additional insured | Does the policy include an additional-insured endorsement, and what does it cover? |
| Someone could make a claim after the job ends | How does the policy treat an incident during the job that is reported after the policy period ends? |
| You give advice or design services | Does the professional liability policy describe every service in your contract? |
| You hire your first employee | Which insurer would issue workers' compensation through Thimble in your state? |
For third-party injury and property damage, our general liability guide explains what that coverage usually includes. Our business insurance guide for freelancers shows how to review a client's insurance requirements before you sign.
How much does Thimble cost?
Your price is the premium Thimble quotes for your business and the policy length you choose. Its listing says pricing may vary by state, activity or class, so a figure quoted to someone else is not a guide to yours. Thimble App Store listing.
If you work often, add up what several job-length or monthly policies would cost over a year and set that against an annual policy with the same limits. Our quote comparison worksheet helps you line up premiums, fees, deductibles and policy dates from the proposals you collect.
Checking who insures your Thimble policy
Your policy documents name the insurer. You can search that name in the NAIC Consumer Insurance Search, which lets consumers verify insurer names in a policy. Your state insurance department can confirm the insurer's license.
On financial strength, Thimble's listing includes the line "Rated 'A- (Excellent)' or better by AM Best" without naming the insurers it refers to. A financial-strength rating belongs to each issuing insurer, not to Thimble. If a contract sets a minimum rating, look up the insurer on your policy at AM Best. Thimble App Store listing.
Certificates of insurance
Thimble's listing says you can get an updated certificate of insurance by email after policy changes and add unlimited additional insureds. Being listed on a certificate is not the same as additional-insured status under the policy. Our certificate of insurance and additional insured checklist explains the difference. Thimble App Store listing.
New York's insurance regulator states that certificates "should not be used to amend, expand, or otherwise alter the terms of the actual policy." Before sending one, you can review it with our certificate of insurance checklist. New York DFS Circular Letter No. 8 (1995).
Frequently asked questions
Who owns Thimble?
Arch. Arch Insurance announced its acquisition of Thimble on April 11, 2023, and Thimble's App Store listing says Thimble is a subsidiary of Arch Capital Group Ltd. Arch acquisition announcement, Thimble App Store listing.
Is Thimble an insurance company?
No. Thimble Insurance Services is the trade name of Verifly Insurance Services, LLC, a licensed insurance broker. Policies are issued by partner insurers. Thimble's About page, in a copy archived June 11, 2026, named Markel Insurance Company and National Specialty Insurance Company; check the insurer named on your own policy. Thimble App Store listing, Thimble About page, archived June 11, 2026.
When was Thimble founded?
Thimble's About page says its founders set out in 2016 to offer more flexible business insurance. Arch's 2023 announcement says Thimble had delivered policies to small businesses since May 2018. Thimble About page, archived June 11, 2026, Arch acquisition announcement.
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This content is for informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional before making coverage decisions.