Insureon vs Thimble: which is better for a new business? (2026)
7.4/10
Insureon
From $45/mo
Choose Insureon if: Owners comparing carriers who want a licensed agent's help
Skip it if: You want published starting prices, a mobile app, or weekend phone help.
Visit Insureon7.3/10
Thimble
From $17/mo
Choose Thimble if: Gig and project workers needing coverage per job
Skip it if: You need phone support, Spanish help, or may cancel an annual policy early.
Visit ThimbleQuick verdict
| Higher OwnerUnlocked score | Insureon (7.4 vs 7.3) |
|---|---|
| Lower starting price | Thimble (From $45/mo vs From $17/mo) |
| Better public ratings | Insureon (4.6 vs 4.5 / 5) |
| More Spanish help | Insureon (Spanish support vs English only) |
Side by side
| Best for | Owners comparing carriers who want a licensed agent's help | Gig and project workers needing coverage per job |
|---|---|---|
| Skip if | You want published starting prices, a mobile app, or weekend phone help. | You need phone support, Spanish help, or may cancel an annual policy early. |
| Free plan or trial | No | No |
| Spanish | Spanish support | English only |
| Support | Phone, text, email M-F 8am-8pm CT | Chat and email M-F 9am-6pm ET; no phone |
| Mobile app | No | Yes |
| Public rating | 4.6/5 (Trustpilot, 2,407) | 4.2/5 (Trustpilot, 2,371) |
| Type | Online agency comparing several carriers | Online agency (Arch-owned) selling own-brand policies |
| Published prices | Not published | GL from $17/mo |
| Coverages | general liability, professional/E&O, workers' comp, BOP, cyber, commercial property, commercial auto, umbrella, tools/equipment, bonds | general liability, professional, BOP, tools/equipment, commercial property, workers' comp, cyber, commercial auto, event, surety bonds |
| Instant certificate | Usually within a couple of hours; up to 48h for higher-risk | Yes, instant with unlimited copies |
| Monthly payments | Payment plans available | Yes; annual GL also in 10 installments |
| Cancel anytime | Not published | Monthly/on-demand: yes, prorated; annual: short-rate refund |
| States | All 50 states (licensed in every state) | All 50 states + DC |
| Insurer and rating | 100+ carriers, e.g. The Hartford, Liberty Mutual, Chubb, Travelers, Hiscox; top partners AM Best A- to A++ | GL: Markel Insurance Co. or National Specialty Insurance Co., both AM Best A (Excellent); BOP via Coterie |
| Time to quote | Few-minute online application; quotes right after | Quote in seconds, coverage in minutes |
| Who it's for | Broad: IT, contractors, cleaning, healthcare, food, retail, real estate, consulting | 300+ professions: contractors, cleaners, landscapers, photographers, fitness, beauty, events |
| Claims | File with your carrier; Insureon agents help M-F 8am-8pm CT | Online form or account; handled by Markel, Sedgwick, or Reserv |
| Top pros |
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Insureon
- One application compares quotes from 100+ carriers, including The Hartford and Chubb.
- Bilingual agents and a Spanish-language page to start your quote.
- Wide menu: commercial auto, cyber, bonds, umbrella, workers' comp, and more.
- Free certificate of insurance, usually within a couple of hours.
- No starting prices published; median general liability cost is $45/mo.
- Claims are filed with the insurance carrier, not with Insureon.
- No mobile app; agents available weekdays only, 8am–8pm CT.
Thimble
- Buy coverage by the hour, day, month, or year with no commitment.
- General liability from $17/mo, underwritten by Markel (AM Best A).
- Instant certificate of insurance with unlimited copies after purchase.
- Cancel monthly or on-demand policies anytime for a prorated refund.
- No phone support; chat and email only, weekdays 9am–6pm ET.
- No Spanish website, app, or support found.
- Annual policies cancelled early get a reduced short-rate refund.
Also worth a look
Questions
Is Insureon or Thimble cheaper?
Thimble starts lower: From $45/mo for Insureon vs From $17/mo for Thimble. Compare the plan you'd actually use, including add-ons.
Which has better reviews?
Insureon, with 4.6/5 on average across the public ratings we checked.
Which one helps in Spanish?
Insureon: Spanish support. Thimble: English only.
Can I switch from one to the other later?
Yes, though switching mid-year takes some setup. Export your records before you cancel, and check for annual contracts or cancellation notice periods.
Facts from each company's own pages and public rating sites, checked Oct 4, 2026. How we rate.