Thimble sells on-demand general liability you can buy by the hour, day, month, or year, built around handymen and trade contractors. You buy the policy on your phone and the certificate of insurance shows up instantly, which matters when a GC won't let you on site without one.
Thimble has been owned by Arch, a major carrier, since 2023. Watch the auto-renewal settings, since most billing complaints trace back to policies renewing when people didn't expect it. It's built for simple risks, not complex accounts.
Handymen and small trade contractors who need legit GL and a certificate fast for short jobs, not shops with complex coverage needs.
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