Thimble
From $36/mo, $45/mo book average, $1M/$2M limits. Notable for by-the-hour option (events, short-term gigs). Profession rates range from $8/mo (DJ) to $40/mo (consultant).
What this insurer actually costs.
Published $36/mo minimum, $45/mo book average. Coverage limits $1M-$2M. Annual range $432-$1,800. Profession rates: $8/mo DJ to $40/mo consultant. Thimble's notable feature is by-the-hour and by-the-day coverage for events / short-term gigs — useful for freelancers and event vendors who don't need annual coverage.
How this insurer makes its money.
Direct-issuance digital insurer focused on freelance and gig-economy professions. Thimble's by-the-hour and by-the-job structure is unusual in the cohort — most E&O insurers issue annual policies only. This makes Thimble the right fit for sporadic-engagement professionals (DJs, event photographers, one-off consultants) who would otherwise overpay for annual coverage.
Best for. Worst for.
Best for: DJs, event vendors, photographers, freelance creative pros, short-engagement consultants. Worst for: stable consulting practices doing ongoing client work (the annual NEXT policy is cheaper), tech startups (wrong product), high-risk professions (Thimble's underwriting is conservative).
What to verify before signing.
Confirm by-the-hour vs annual policy structure matches your engagement pattern. Verify the $1M/$2M limits structure (per-occurrence vs aggregate). Check whether by-the-hour purchases auto-cancel after the engagement or remain on file. Ask about claims reporting from past engagements covered under by-the-hour.