April 2026 Activity Expansion

April 2026 – Activity Expansion for Thimble Producers[1]

NEW Classes & Expanded Coverage

We're so excited to share our newly expanded 2026 appetite and coverage options with you! Whether you want to explore the details, scan for updates, or jump right into quoting—we’ve got something for every pace.

✅Thimble Coverage Options & Durations:

Types of Policy Durations Available:
  • On Demand (OD): For those that need coverage by the job or day, our On-Demand coverage is available in almost all states.
  • Thimble Monthly (TM): For coverage a month at a time without the commitment to an annual policy.
  • Annual: Usually the most cost-effective option for ongoing operations, an annual policy can be set up to be paid in full up front or by monthly installments.

Coverage Options with available durations:

  • General Liability (GL) - OD, TM and Annual
  • Businessowners Policy (BOP) - Annual


Coverages with eligible durations available to package with General Liability:

  • Business Equipment Protection (BEP) - TM & Annual
  • Professional Liability (PL) - OD, TM & Annual
  • Cyber Liability – Annual

Endorsement available to add-on to General Liability:

  • Customer Property Protection (CPP)

Endorsement available to add-on to Business Owner’s Policy:

  • Equipment Breakdown (EB) – May not be available for all activities
  • Hired Non-Owned Auto (HNOA) – May not be available for all activities

These coverage options allow you to tailor coverage more precisely to your client’s specific risks and business needs.

 

🆕 New Activities[2]

We’ve expanded our appetite to include new activities in several classes as shown below. These activities are eligible for a wide range of coverages and durations. Please note that all durations are available unless otherwise defined. Any coverage option shown with an ❌ means that coverage option is not available for that particular activity. Some coverage options are separate coverage parts while others are added by endorsement.

💅Beauty

  • Aesthetician/Esthetician[3]

Description: Beauty professionals primarily engaged in providing cosmetology services.

General Liability plus:
✅ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Eyelash Extensions[3]

Description: Lash technicians that provide extensions and curling services.

General Liability plus:
✅ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

💻Office Professionals

  • Financial Consultant[3]

Description: Professionals providing customized financial planning and investment advice to clients.

General Liability plus:
✅ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Music Education Consultant[5]

Description: Professionals who provide non-instructional, expert advice and guidance to organizations regarding music programs, curriculum development, and teacher training.

General Liability plus:
✅ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

 

🔨Contractors

  • Countertop Installation[6]

Description: Contractor that installs countertops into residential homes.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅Cyber[4]

 

  • Driveway Paving[3]

Description: Contractor that uses asphalt to install and pave residential driveways.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

  • Garage Door Installation[3]

Description: Contractor that installs or repairs residential garage doors.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

  • Finishing Contractors[6]

Description: Contractors performing finish carpentry work, such as installing trim, moulding, doors, windows, or cabinets.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

  • Remodeling (Basement, Bathroom, Kitchen)[6]

Description: Contractor that provides services for Kitchen remodels, bathroom remodels, basement finishing, and/or home improvements.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

🎀Makers

  • Costume Designer[3]

Description: Clothing design services for theatrical costume design on an individual or small-scale; non-manufacturing.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

  • Handbag/Purse Maker[5]

Description: Design and construction of handbags or purses on an individual or small-scale; non-manufacturing.

General Liability plus:
❌ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

 

🛒Mercantile (Retail)

  • Amazon Sellers[7]

Description: Retailer selling items primarily online via Amazon.

General Liability plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Antique Store[8]

Description: Retailer selling previously owned items, such as furniture, decor, or other heirloom pieces.

General Liability plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Bicycle Store[8]

Description: Retailer selling primarily bicycles and bicycle parts, non-manufacturing.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

  • Comic Book Store[8]

Description: Retailer selling primarily comic books, cards, and other collectible pieces.

General Liability plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Etsy Sellers[7]

Description: Retailer selling items primarily online via Etsy.

General Liability plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • E-commerce Sellers[8]

Description: Retailer selling items primarily online via their business website, non-manufacturing.

General Liability plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Furniture Store[7]

Description: Retailer selling primarily residential furniture items, non-manufacturing..

General Liability plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Home Decor Store[7]

Description: Retailer selling primarily residential decor items, non-manufacturing.

 General Liability plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4]

 

  • Video Game Store[10]

Description: Retailer selling primarily video games and gaming consoles.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

 

🔁 Expanded Coverage for Existing Activities2

In addition to the new activities above, you can now quote General Liability (GL) policies for several existing activities as well. It’s all about flexibility—so when a full BOP isn’t the right fit, you still have the tools to get your client covered. Please note all durations are available unless otherwise noted. Any coverage option shown with an ❌ means that coverage option is not available for that particular activity. Some coverages options are separate coverage parts while others are added by endorsement.

🔨Contractors

  • Residential Carpentry

Description: Contractor specializing in carpentry work, 100% residential, working no more than 30ft off the ground.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

  • Residential & Commercial Carpentry

Description: Contractor specializing in carpentry work, both commercial and residential, working no more than 30ft off the ground.

General Liability plus:
✅ BEP ✅ CPP ❌ PL ✅ Cyber[4]

 

 

🛒Mercantile (Retail)

  • Auto Parts & Supplies Store[9]

      Description: Retailer primarily selling automotive parts or supplies, no repair work..

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Beauty Supply Store[10]

Description: Retailer primarily selling beauty & hair supplies or cosmetics, non-manufacturing products.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Book Store[10]

Description: Retailers primarily selling paperback or hardcover books and other literary items.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Costume Jewelry Store[9]

Description: Retailers primarily selling jewelry used for costumes or props, typically for temporary wear, not fine jewelry.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅Cyber[4] ✅ EB ✅  HNOA
           

 

  • Electronics Store[10]

Description: Retailer primarily selling electronics like computers, tablets, televisions, and entertainment gear, non-manufacturing.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Game Store[10]

Description: Retailer selling primarily board games, pieces, and collectibles.

 General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Gift, Novelty or Souvenir Store[10]

Description: Retailer primarily selling memorabilia or themed items, often clothing, drinkware, or knick-knacks.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Music Store[10]

Description: Retailer primarily selling musical instruments, CDs, records, audio equipment or accessories.

 General Liability plus: BOP plus:
❌ BEP ✅  CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Sporting Goods Store[10]

Description: Retailer primarily selling sporting equipment, clothing, or accessories.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           
  • Toy Store[10]

Description: Retailer selling primarily children’s toys and collectibles.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

 

💻Office Professionals

  • Real Estate Agents & Agencies[9]

Description: Licensed individual(s) that work with a client base to sell and/or buy residential or commercial real estate, not property managers.

General Liability plus: BOP plus:
✅  BEP ✅  CPP ❌ PL ✅ Cyber[4] ✅ EB ✅ HNOA
           

 

 

🍴Restaurants & Food Service

  • Bakery[9]

Description: Shops with on-premises baking of pastries or other baked goods with a focus on off-premises consumption, offering counter service. Does not include liquor liability. Any significant food preparation may be considered under the Restaurant class code.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

 

  • Coffee Shop[9]

Description: Shops with limited food offerings, if any, with a primary focus on coffee or tea drink options, usually offering counter service. Does not include liquor liability, may be considered as an add-on for BOP only. Restaurant endorsement is available. Any significant food preparation may be considered under Restaurant.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ❌  HNOA
           

 

📦Wholesaler

  • Men & Boys Clothing Wholesale Distribution[9]

Description: Businesses handling the sale, order fulfillment and/or shipping of men & boys' apparel as a third party, non-manufacturing.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

  • Women & Girls Clothing Wholesale Distribution[9]

Description: Businesses handling the sale, order fulfillment and/or shipping of women & girls’ apparel as a third party, non-manufacturing.

General Liability plus: BOP plus:
❌ BEP ❌ CPP ❌ PL ✅ Cyber[4] ✅ EB ✅  HNOA
           

 

 

 

📌 Broker Success Tip: Look for “New!” and “Expanded!” in the Appetite Guide

DOWNLOAD OUR APPETITE GUIDE

Unlock the full potential of these new offerings—your way.

📩 Email us anytime at broker@thimble.com

 

 


 

[1]  This help article is specific for producers and does not apply to consumers that purchase products directly from Thimble’s website.   

[2]Product and activity availability differs by state and insurer appetite. All offerings are subject to change.

[3] This activity is not available in NY and will be launched on a rolling basis for the following states: IA, IL, MO, MT, NC, ND, NV, OH, OR, UT, and WI.

[4] Cyber coverage is not available in CA, FL or NY.

[5] This activity is not available in NY.

[6] This activity is available for all durations in all states except NY. In NY, it is only available on an annual basis.

[7] This activity is only available on a TM or Annual basis for all states except NY. It is not available in NY and will be launched on a rolling basis for the following states: IA, IL, MO, MT, NC, ND, NV, OH, OR, UT, and WI.

[8] This activity is only available on a TM or Annual basis for all states except NY. It is not available in NY.

[9] This activity is only available on a TM or Annual basis for GL and only on an annual basis for BOP. For NY, only BOP policies are available. It will be launched on a rolling basis for the following states: IA, IL, MO, MT, NC, ND, NV, OH, OR, UT, and WI.

[10] This activity is only available on a TM or Annual basis for GL and only on an annual basis for BOP. For NY, only BOP policies are available

Related to

Updated

Was this article helpful?

1 out of 1 found this helpful

Have more questions? Submit a request

Comments

0 comments

Article is closed for comments.