Simply Business 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.
Simply Business
Ranked #3 of 15 in this directory
Compare business insurance quotes from top carriers online
Thimble
Ranked #7 of 15 in this directory
On-demand business insurance by the hour, day, or month
Our pick: Simply Business. Our editors rank Simply Business 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
| Simply Business | Thimble | |
|---|---|---|
| Pricing model | Paid | Paid |
| Starting price | See website | See website |
| Category | General Liability | Professional Liability |
| Editorial rank | #3 of 15 | #7 of 15 |
Strengths
Simply Business
- ✓Compare quotes from multiple top-rated carriers in one place
- ✓No obligation to purchase after getting quotes
- ✓Transparent side-by-side coverage comparison
- ✓Educational resources help first-time buyers understand coverage 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
Simply Business
- !Not a direct insurer, so claims are handled by the underlying carrier
- !Quote availability varies by state and business type
- !May not include every carrier in the market
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
Simply Business
- →Compare general liability quotes from five carriers to find the lowest premium for a cleaning business
- →Use the coverage recommendation tool to understand what insurance a new food truck needs
- →Get a BOP quote comparison to bundle liability and property insurance for a salon
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
Simply Business
Simply Business is an online insurance marketplace that lets small business owners compare quotes from multiple carriers side by side. Rather than selling its own policies, it aggregates options from partners to help users find the best coverage at the best price. The platform covers general liability, professional liability, and BOP policies with a streamlined quote comparison experience.
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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