Next Insurance vs Thimble
An honest side-by-side comparison of two of our top business insurance picks — pricing, strengths, weaknesses, and who each one is really for.
Next Insurance
Ranked #2 of 15 in this directory
Instant online business insurance built for small businesses
Thimble
Ranked #7 of 15 in this directory
On-demand business insurance by the hour, day, or month
Our pick: Next Insurance. Our editors rank Next Insurance higher overall in Business Insurance — but Thimble can be the better fit depending on your budget and use case below. How we review
Compare the details
| Next Insurance | Thimble | |
|---|---|---|
| Pricing model | Paid | Paid |
| Starting price | See website | See website |
| Category | General Liability | Professional Liability |
| Editorial rank | #2 of 15 | #7 of 15 |
Strengths
Next Insurance
- ✓Fully online process delivers quotes and coverage in under 10 minutes
- ✓Tailored policies for over 1,300 specific business types
- ✓Monthly payment options with no hidden fees or cancellation penalties
- ✓Instant certificates of insurance downloadable from the dashboard
- ✓Competitive pricing starting under $30/month for many business types
Thimble
- ✓On-demand coverage by the hour, day, week, or month — pay only when you need it
- ✓Instant certificates of insurance available via mobile app
- ✓Ideal for freelancers and gig workers with variable schedules
- ✓No long-term commitment or annual premium required
- ✓General liability and professional liability available on-demand
Watch out for
Next Insurance
- !Newer company with less track record than legacy insurers
- !Complex or high-risk businesses may not find adequate coverage
- !Claims process is less established than traditional carriers
- !Limited human agent support compared to traditional brokers
Thimble
- !Per-event pricing can be more expensive than annual policies for regular work
- !Coverage options are limited to general and professional liability
- !Not suited for businesses needing continuous year-round coverage
- !Claims history may affect future on-demand pricing
Best use cases
Next Insurance
- →Get general liability coverage in minutes before starting a new landscaping contract
- →Download an instant certificate of insurance to satisfy a commercial lease requirement
- →Bundle general liability and professional liability for a consulting business under $75/month
Thimble
- →Freelance photographer buying liability coverage for a single weekend event
- →Contractor adding coverage for a specific project lasting two weeks
- →Gig worker purchasing hourly insurance before a client engagement
About each tool
Next Insurance
Next Insurance is a technology-first insurer that provides instant online quotes and same-day coverage for small businesses and self-employed professionals. The entire process from quote to purchase to certificate of insurance happens online in minutes. Next specializes in general liability, professional liability, commercial auto, and workers' compensation with industry-tailored policies for over 1,300 business types.
Thimble
Thimble offers flexible, short-term business insurance policies that can be purchased by the hour, day, week, or month. It is designed for freelancers, gig workers, and small businesses that need coverage for specific events or projects rather than year-round policies. Coverage includes general liability and professional liability with instant certificates available via the mobile app.
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