ERGO NEXT Insurance vs Thimble

Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	ERGO NEXT InsuranceERGO NEXT Insurance	ThimbleThimble
In one line	Liability and workers' comp quoted online in minutes	Short-term and monthly liability cover by the job
Starting price	From $19/mo	Price by quote
Six-person team	$19/mo	Price by quote
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	General liability by the hour, day, or month; thimble.com shows a price only after a quote
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	Standalone
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	None listed	Not looked up yet
Live chat	Plans not stated	Plans not stated
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Not published
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Thimble.
Trustpilot score	3.9 / 5 from 1,437 reviews	4.1 / 5 from 2,376 reviews
Fit: Retail shop	70	40
Fit: Restaurant or café	60	45
Fit: Service business	85	80
Fit: Agency or studio	70	55
Fit: Trades or contractor	95	85
Fit: Online store	55	30
Why people pick it	Instant COIs Online claims	Pay only when working Instant certificates
Where it falls short	Not every state and trade Higher risk classes get referred out	Not for workers' comp Limited to lower-risk trades
	Visit ERGO NEXT Insurance ↗	Visit Thimble ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices