NEXT Insurance vs Thimble: which is better for a new business? (2026)
8.4/10
NEXT Insurance
From $14/mo
Choose NEXT Insurance if: New owners wanting fast online coverage from one insurer
Skip it if: You want to compare several insurers' prices or need weekend human support.
Visit NEXT Insurance7.3/10
Thimble
From $17/mo
Choose Thimble if: Gig and project workers needing coverage per job
Skip it if: You need phone support, Spanish help, or may cancel an annual policy early.
Visit ThimbleQuick verdict
| Higher OwnerUnlocked score | NEXT Insurance (8.4 vs 7.3) |
|---|---|
| Lower starting price | NEXT Insurance (From $14/mo vs From $17/mo) |
| Better public ratings | NEXT Insurance (4.6 vs 4.5 / 5) |
| More Spanish help | NEXT Insurance (Spanish support vs English only) |
Side by side
| Best for | New owners wanting fast online coverage from one insurer | Gig and project workers needing coverage per job |
|---|---|---|
| Skip if | You want to compare several insurers' prices or need weekend human support. | You need phone support, Spanish help, or may cancel an annual policy early. |
| Free plan or trial | No | No |
| Spanish | Spanish support | English only |
| Support | Chat and phone M-F 8am-5pm CT; 24/7 AI assistant | Chat and email M-F 9am-6pm ET; no phone |
| Mobile app | Yes | Yes |
| Public rating | 4.9/5 (App Store, 14,461) | 4.2/5 (Trustpilot, 2,371) |
| Type | Direct insurer | Online agency (Arch-owned) selling own-brand policies |
| Published prices | GL from $19/mo | GL from $17/mo |
| Coverages | general liability, professional/E&O, workers' comp, BOP, commercial property, commercial auto, tools/equipment, employment practices, product liability, liquor liability | general liability, professional, BOP, tools/equipment, commercial property, workers' comp, cyber, commercial auto, event, surety bonds |
| Instant certificate | Yes, free and unlimited (web or app) | Yes, instant with unlimited copies |
| Monthly payments | Yes, same total as paying yearly | Yes; annual GL also in 10 installments |
| Cancel anytime | Yes, prorated refund | Monthly/on-demand: yes, prorated; annual: short-rate refund |
| States | Agencies licensed in all 50 + DC; not every coverage in every state | All 50 states + DC |
| Insurer and rating | Next Insurance US Company, AM Best A+ (Superior); some policies via State National or National Specialty | GL: Markel Insurance Co. or National Specialty Insurance Co., both AM Best A (Excellent); BOP via Coterie |
| Time to quote | About 10 minutes online | Quote in seconds, coverage in minutes |
| Who it's for | 1,300+ professions: contractors, cleaning, food, retail, fitness, consulting | 300+ professions: contractors, cleaners, landscapers, photographers, fitness, beauty, events |
| Claims | Online or app; claims advocate contacts you within 1 business day | Online form or account; handled by Markel, Sedgwick, or Reserv |
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NEXT Insurance
- Published starting prices: general liability $19/mo, workers' comp $14/mo.
- AM Best rating A+ (Superior) after 2025 purchase by ERGO/Munich Re.
- Free, unlimited certificates of insurance from your online account or app.
- Cancel anytime for a prorated refund; paying monthly costs the same as yearly.
- Human agents only weekdays 8am–5pm CT; after hours it's an AI assistant.
- Mobile app is English-only, though chat and phone help exist in Spanish.
- One insurer only, so you can't compare other carriers' quotes there.
Thimble
- Buy coverage by the hour, day, month, or year with no commitment.
- General liability from $17/mo, underwritten by Markel (AM Best A).
- Instant certificate of insurance with unlimited copies after purchase.
- Cancel monthly or on-demand policies anytime for a prorated refund.
- No phone support; chat and email only, weekdays 9am–6pm ET.
- No Spanish website, app, or support found.
- Annual policies cancelled early get a reduced short-rate refund.
Also worth a look
Questions
Is NEXT Insurance or Thimble cheaper?
NEXT Insurance starts lower: From $14/mo for NEXT Insurance vs From $17/mo for Thimble. Compare the plan you'd actually use, including add-ons.
Which has better reviews?
NEXT Insurance, with 4.6/5 on average across the public ratings we checked.
Which one helps in Spanish?
NEXT Insurance: Spanish support. Thimble: English only.
Can I switch from one to the other later?
Yes, though switching mid-year takes some setup. Export your records before you cancel, and check for annual contracts or cancellation notice periods.
Facts from each company's own pages and public rating sites, checked Oct 4, 2026. How we rate.