Thimble vs The Hartford

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

Short version

The Hartford fits retail shop, restaurant or café, agency or studio, online store.
The Hartford suits teams past ten people.
Thimble: Pay only when working.

Compare	ThimbleThimble	The HartfordThe Hartford
In one line	Short-term and monthly liability cover by the job	Small business liability and workers' comp from a long-standing insurer
Starting price	Price by quote	From $67.50/mo
Six-person team	Price by quote	$67.50/mo
Plans	General liability by the hour, day, or month; thimble.com shows a price only after a quote	General liability averages about $68/mo ($810/yr) for its small business customers; a $1M policy averages about $69/mo; price depends on state, trade, and limits
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Standalone	None needed
Team size	Just me · 2–10 people	2–10 people · 11–50 people
Available in	US	US
Phone support	Not looked up yet	Plans not stated
Live chat	Plans not stated	None listed
Support hours	Not published	Phone: M-F: 8 a.m. to 8 p.m. ET
Incidents posted	We found no public status page for Thimble.	We found no public status page for The Hartford.
Trustpilot score	4.1 / 5 from 2,376 reviews	1.2 / 5 from 506 reviews
Fit: Retail shop	40	75
Fit: Restaurant or café	45	72
Fit: Service business	80	80
Fit: Agency or studio	55	75
Fit: Trades or contractor	85	80
Fit: Online store	30	65
Why people pick it	Pay only when working Instant certificates	Large, established carrier Bundles liability and workers' comp
Where it falls short	Not for workers' comp Limited to lower-risk trades	Final price needs a quote Not the cheapest online
	Visit Thimble	Visit The Hartford

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