NEXT Insurance vs Thimble: which one fits your business?
Side-by-side comparison of NEXT Insurance and Thimble — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | NEXT Insurance | Thimble |
|---|---|---|
| Right fit for small biz | 7 | 7 |
| Ease of use | 9 | 9 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 6 |
| Features | 8 | 9 |
| Monthly Premium | Varies by risk | — |
| Certificate of Insurance | $0 | — |
| Policy Cancellation Fee | $0 (usually) | — |
| Hourly Coverage | — | Starting at approx. $5/hour |
| Additional Insureds | — | $0 |
| Policy Cancellation | — | $0 |
NEXT Insurance in one paragraph
A top-tier choice for solo contractors and micro-businesses who value speed and low premiums over personal agent relationships.
Skip it if: You have a complex business with high-risk operations that require a human agent to negotiate with multiple underwriters.
Thimble in one paragraph
A revolutionary cash-flow tool for solo contractors and seasonal businesses that need 'just-in-time' insurance coverage.
Skip it if: You have a full-time staff of 10+ and operate year-round, as traditional annual policies will likely be cheaper.
Frequently asked questions
Who should skip NEXT Insurance?
You have a complex business with high-risk operations that require a human agent to negotiate with multiple underwriters.
Who should skip Thimble?
You have a full-time staff of 10+ and operate year-round, as traditional annual policies will likely be cheaper.