Eligibility Factors: Prior Losses

Thimble offers insurance products tailored for small businesses. However, certain factors may render a business ineligible for coverage:

Loss History: For Commercial General Liability (CGL) coverage, Thimble requires that businesses have incurred less than $15,000 in losses over the past three years.

Some (not all) additional factors that impact eligibility:

Business Activities: Certain high-risk activities or industries may be excluded from coverage. For a comprehensive list of included and excluded activities, enter risk details into our Appetite Checker in your Broker Portal.

Location: Even in states where coverage is available, certain ZIP codes may be excluded due to increased risk.

To review high-level included and excluded operations and ZIP codes where coverage is and isn't available at this time, start your quote from our Appetite Checker.

Updated December 27, 2024 09:20