CGL Terms of Coverage

What does the policy cover?

CGL - I operate over three stories in height. May I use Thimble?
External work over three stories in height (30 feet) is prohibited. If you are performing work where you are physically on the ground but are using equi...
Mon, 14 Oct, 2019 at 11:16 PM
CGL - Is the General Liability coverage arranged by Thimble primary and non-contributory?
Yes. Your policy documents contain an endorsement providing this coverage, and a sample is provided below.
Mon, 14 Oct, 2019 at 11:16 PM
CGL - Does the General Liability policy arranged by Thimble have a deductible?
No. Not a cent.
Mon, 14 Oct, 2019 at 11:22 PM
CGL - What limits do the General Liability policies arranged by Thimble offer?
Aggregate limits of $1,000,000 per occurrence and $2,000,000 per occurrence are available.
Mon, 14 Oct, 2019 at 11:23 PM
CGL - May I perform more than one type of work during the policy period?
As long as the activity is covered in the selected category and/or selected add-ons, then yes.
Tue, 2 Apr, 2019 at 11:28 AM
CGL - Do my General Liability policy limits stack?
There is an anti-stacking clause which applies in certain states and prevents your limits from stacking. Multiple policies will not respond to a single “oc...
Tue, 2 Apr, 2019 at 11:28 AM
CGL - May I use Thimble if I have had losses?
At this time, Thimble can only arrange CGL coverage for those with less than $15,000 of losses over the past three years.
Mon, 14 Oct, 2019 at 11:35 PM
CGL - Does the General Liability policy Thimble arranges have an aggregate limit?
Yes, the aggregate limit is the same as the per-occurrence limit, e.g. $1 million or $2 million.
Tue, 15 Oct, 2019 at 12:55 AM
CGL - Is bodily injury or property damage associated with mold excluded from General Liability coverage?
Exposure to harmful mold can result in health issues, while indoor mold infestation can lead to property damage. If a client claims that these conditions ha...
Tue, 2 Apr, 2019 at 11:29 AM
CGL - Does Thimb arrange Workers’ Comp?
Not yet, but we are working on adding new lines of business. If you’d like to make your voice heard, please contact us here.
Mon, 14 Oct, 2019 at 11:36 PM

Verifly Insurance Services, Inc. d/b/a Thimble Insurance Services (“Thimble”) is licensed as an insurance producer in the states where it offers insurance products on this website/app for sale. However, the insurance products on this website/app may not currently be available in all states including in the states where the insurance products have not been approved for use by the applicable insurance regulators. Thimble makes no representation that the insurance products on this website/app are appropriate or available for use in any particular jurisdiction. If you access this website/app from a jurisdiction where the insurance products generally or any insurance product specifically are not being offered for sale, you hereby acknowledge and agree that you are viewing this website/app for general informational purposes only.

All insurance products administered by Thimble are subject to the terms and conditions of the insurance policies and all other documentation for such insurance products. Eligibility, pricing and coverage may vary by state, activity / class and other factors. Please be advised that Thimble cannot add, delete, or modify coverage via email.

THE INSURANCE PRODUCTS PROVIDED ON THE THIMBLE PLATFORM AND VIA THE SERVICES ARE UNDERWRITTEN BY MARKEL INSURANCE COMPANY, EXCEPT FOR DRONE INSURANCE PRODUCTS WHICH ARE UNDERWRITTEN BY ONE OR MORE OF THE OTHER INSURANCE COMPANIES LISTED HERE.