Protect Your Business with General Liability Insurance through Thimble*
You’ve already secured your surety bond with Propeller - now it’s time to lock down your general liability coverage.
We’ve partnered with Thimble to provide our clients with fast, flexible, and affordable General Liability (GL) insurance that moves at the speed of your business.
Why Thimble
In the world of insurance, "old school" usually means "slow." Thimble is different. Thimble is a leading Insurtech partner offering insurance designed specifically for the modern small business owner and independent contractor.
- Speed to Market: Get a policy and a Certificate of Insurance (COI) in minutes, not days.
- Ultimate Flexibility: Whether you need coverage for a single day, a month, or a full year, Thimble offers options to scale with your project load.
- Coverage from A Rated Insurers: Backed by industry giants, Thimble provides the professional credibility you need to win bigger contracts.
What is General Liability Insurance?
While a Surety Bond protects your client or the obligee if you fail to fulfill a contract, General Liability Insurance helps protect you from the financial consequences resulting from third party claims alleging non-employee bodily injury, property damage or personal and advertising injury.
General Liability (GL) is the foundation of any business insurance portfolio. It covers the "big three" risks that can occur on a job site or at your place of business. For example:
- Bodily Injury: If a non-employee third party (like a customer or passer-by) slips and gets hurt while at your job site, you could be held liable for damages.
- Property Damage: If you or your employees accidentally damage someone else’s property while performing your work, you could be held liable for damages.
- Personal & Advertising Injury: If you print an advertisement and a third-party claims copyright infringement, you could be held liable for damage.
The Bond & GL Connection: Think of them as two sides of the same coin. Most project owners and government agencies won't only ask for a bond; they’ll also require proof of GL insurance before you can set foot on a job site. Having both ensures you are compliant with applicable requirements and financially shielded.
Who Needs General Liability Insurance?
If your business involves interaction with the public, visits client locations, or rents a workspace, you likely need GL coverage. Common industries include:
| Industry Sector | Why It’s Needed |
|---|---|
| Construction & Trades | Handymen, painters, electricians, and plumbers often require GL to pull permits and meet bond requirements. |
| Landscaping & Janitorial | Protection against claims for property damage while working on a client's premises. |
| Events & Professional Services | Consultants, photographers, and event planners need to satisfy venue requirements. |
| Retail & Personal Care | Fitness instructors, beauticians, and shop owners want protection where "slip and fall" risks are present. |
Ready to Get Covered?
Don't let a lack of insurance stall your next project. Click below to answer a few quick questions, then you can purchase a policy, and download your COI fast.
Frequently Asked Questions: General Liability & Bonding
A: They serve two different purposes. A Surety Bond is a guarantee to your customer that you will finish the job according to the contract. General Liability provides protection for your business from the financial consequences that can result from third party claims of property damage, bodily injury and personal and advertising injury. It also helps pay for your legal defense and any damages if you are sued alleging you caused an accident or injury. You need both to be fully "licensed, bonded, and insured."
A: Yes! Thimble is built for flexibility. For annual policies, you can choose to pay for a full year, or opt for monthly installments. For short-term projects, you can even buy coverage by the day or hour.
A: As soon as you complete your purchase through the Thimble portal, your COI will be sent to your inbox. You can also access it anytime via the Thimble app or website.
A: Standard GL policies provide protection against injury or damages you cause to others. However, through Thimble’s quoting system, you can often add "Business Equipment Protection" (also known as Inland Marine insurance) to help provide protection for your own gear against theft or accidental loss or damage when you are on the go.
A: Absolutely. Many contracts require you to add the project owner as an "Additional Insured." With Thimble, you can add as many as you need quickly through the app or website.
*Verifly Insurance Services, LLC dba Thimble Insurance Services (“Thimble”)
