Thimble Insurance

Get On-Demand Liability Insurance in Rhode Island

Protect your business with short-term liability insurance coverage.


On-Demand Insurance –

Get The Coverage You Need Immediately

On-demand General Liability Insurance can be purchased for an hour, a day, or a month! Get your certificate of insurance in less than 30 seconds with $1 million coverage starting at $5.

Why Small Business Owners Choose Thimble?

  1. Flexible Insurance From 1 Hour
    1. For the first time ever, you can get insurance from an hour, a day, or a full year, and everything in between, with no annual contracts. Never overpay for insurance again. 
  2. Instant Certificate of Insurance
    1. Buy a $1M or $2M General Liability policy for yourself in seconds. No paper forms, faxes, or fuss. Get an instant ACORD insurance certificate and 24/7 access to policy documents. 
  3. Customized for You
    1. Thimble understands the unique risks of different businesses. So we let you customize your policy automatically and instantly. Add any number of Additional Insureds at no additional cost. No more calls, no more waiting. 
  4. Rely on Verifly
    1. All policies are underwritten by A-Rated insurers, including Markel Insurance Company, a Fortune 500 company with over $30B in assets. 
  5. 24/7 Claims Support
    1. Report claims on-the-go by email or via a 24/7 toll-free hotline
Brook Insurance Associates LLC

Need Flexible Coverage?

Thimble Insurance

Short-term policies by the job, or full-time business insurance with easy annual or monthly payments—get covered in minutes with Thimble.

General Liability

Business Owners Policies

Business Equipment Protection

Workers’ Comp

Get a quote

Rhode Island Liability Insurance Types

General Liability Insurance

General liability covers  if your  business is accused of causing 

  1. Bodily injury
  2. Property damage
  3. Reputational harm
  4. Advertising errors

Professional Liability Insurance

Professional liability covers if your business is accused of

  1. Negligence
  2. Misrepresentation
  3. Violating fair and honest business practices

Workers’ Comp Insurance

Employer liability covers if your business is accused of causing

  1. Work-related injuries
  2. illnesses

Extra Liability Insurance Coverage for Rhode Island Businesses

Business Equipment Insurance

Covers for damage or loss to business equipment like machines or tools that are used over the course of your business

Commercial Auto Insurance

Covers for accidental damage or loss caused by vehicles used for running businesses like taxis and vans.

Cyber Liability insurance

Covers business loss due to cyberattacks, data breaches, or similar online security threats. 

Business interruption insurance

Covers loss of income due to non-operational infrastructure due to fire, theft, or disaster.

Life & Disability Insurance

Covers loss of income due to incapacity to work or life-long disability due to workplace injury or illnesses.

Customizing Liability Insurance in Rhode Island

Every business is unique and so are the risks. Brook Insurance Associates LLC. assesses the specific needs and liabilities to provide a custom insurance solution that best protects their business.

  1. Gathering information about your business assets 
  2. Prevailing business liabilities 
  3. Comparing different insurance plans, their features, and interest rates 
  4. Determining a policy that ticks all the boxes 

Simply call us at 401-381-1350 or drop a line to hear back from us.

WHY Brook Insurance Associates, LLC.?

You Trusted Choice® agency in Rhode Island

  1. Tailored Insurance Solutions
  2. Fair and Honest Advice  
  3. Low Interest Rates 
  4. 24/7 Support

Appetite Guide

Thimble is the most flexible General & Professional Liability Insurance for Small Business.

Thimble works when you do — coverage by the hour, day, or month for Handymen, Contractors, Landscapers, Cleaners, Janitors, Photographers and more.

Contractors + Handymen Insurance

Available Coverage: General Liability

Events + Entertainment Insurance

Available Coverage: General Liability, Professional Liability

Fitness + Personal Trainers Insurance

Available Coverage: General Liability, Professional Liability

Freelancers + Consultants Insurance

Available Coverage: General Liability, Professional Liability

Hair + Beauty Professionals Insurance

Available Coverage: General Liability, Professional Liability

Janitors + Cleaners Insurance

Available Coverage: General Liability

Landscaping Insurance

Available Coverage: General Liability

Pet Sitters Insurance

Available Coverage: General Liability, Professional Liability

Photographers + Videographers Insurance

Photographers | Videographers

Ineligible Operations(Policies do not cover work performed before or after the policy period)

Drone Pilots Insurance

Available Coverage: General Liability, Professional Liability

Determining Business Liability Insurance Cost in Rhode Island

Each business invests in liability insurance to stay protected against unexpected events or circumstances.  As a Rhode Island business, the cost of your liability insurance depends on

  1. The size and industry of the business 
  2. The location of the business 
  3. The type of risks and liabilities 
  4. The add-on policy features

We work in your best interests. Our team works with many popular insurance carriers that get you policies tailored for maximum liabilities in Rhode Island.  

You can enjoy complete peace of mind as your hard-earned money is rationally invested.

Frequently Asked Questions

  • Which are the most common liability insurances for small businesses in Rhode Island?

    Most Rhode Island businesses purchase the following liability insurance policies: General liability insurance Professional liability insurance Business owners’ insurance Workers’ compensation insurance Commercial auto insurance Cyber liability insurance We also provide extra insurance coverages that work best for your business. Schedule a consultation with one of us and get a policy tailored for your business.

  • Is small business liability insurance expensive?

    No. In fact, Brook Insurance Associates, LLC can help you with affordable liability insurance in Rhode Island. The cost, however, will be determined based on the following factors, Type of business, size, and industry Business location Types of insurance purchased Policy coverage options Get a custom quote

  • What is covered under professional liability insurance?

    Professional liability insurance ( also known as errors and omissions insurance (E&O) ) helps cover damages incurred due to you or your services. You can be sued if your client or customer finds your professional services responsible for their loss. Professional liability insurance protects you against Negligence Misrepresentation Inaccurate advice Personal injuries In the absence of coverage, you’ll have to pay damages out of pocket.

  • Who Should Get a Professional Liability Policy?

    It’s important for professionals and business owners to purchase a professional liability policy and cover maximum risks. Consider having such a policy if you: Have signed a service contract Assume the role of a service provider Provide professional consultation Some of the professions we cover are Contractors Handymen Events and Entertainment professionals Fitness and Personal Trainers Freelancers Consultants Hair and Beauty Professionals Janitors and cleaners Landscapers Pet Sitters Photographers and Videographers Drone Pilots Get a custom quote