9 insurersFigures checked 2026-10-26
ERGO NEXT vs Thimble vs Simply Business: published prices
Side by side from each company’s own published numbers. Every figure keeps its label: a starting price, a customer median or average, or a sample quote are different things.
We are not an insurance agent. Prices are what each company publishes; your quote will differ. Premiums depend on your trade, state, payroll, limits, deductible, vehicles and claims history. We never produce quotes.
Affiliate disclosure: Some insurers run affiliate programs. Every insurer link on this page is a plain link to the company’s own site today; if we join a program, those links will be marked sponsored. It never changes the figures or the order we show. Details
Lowest published general liability starting price of the 3: Thimble From$17/moDeductible $0 to $1,000 · Source Starting prices are the cheapest policy each insurer sells, not what a typical crew pays; compare the medians and averages in the table, and get quotes from each.
From · 10th pct Simply Business “from” figures are the 10th percentile of the policies it sold, not a floor: one in ten customers paid less, nine in ten paid more.
| ERGO NEXT | Thimble | Simply Business | |
|---|---|---|---|
| General liability | From$19/moSourceAveragePublished by profession only: see GL cost by tradeERGO NEXT customers by profession · Source | From$17/moDeductible $0 to $1,000 · SourceAverage$42/mo$504/yr as published · Source | Median$44/moCustomers Jul-Dec 2025 · SourceFrom · 10th pct$20.75/moSource |
| Workers’ comp | From$14/moSource | Not on the pages we checked | Median$132/moGeneral contractors, Jul-Dec 2025 · $1,584/yr as published · SourceFrom · 10th pct$38.91/moSource |
| Commercial auto | Quote onlySource | Not on the pages we checked | Not on the pages we checked |
| Tools & equipment | Not on the pages we checked | Quote only | Median$37/moGeneral contractors, Jul-Dec 2025 · $444/yr as published · SourceFrom · 10th pct$20.83/moSource |
| GL + tools & equipment bundle | From$38/moSource | Not on the pages we checked | Not on the pages we checked |
| Type | Direct insurer (sells online) | Managing general agent (MGA) | Online agency (compares insurers) |
| States | Not stated on pages checked | Not stated on pages checked | Not stated on pages checked |
| Limits | Not published | Not published | Not published |
| Deductibles | Not published | $0 to $1,000 | Not published |
| Trades it lists | general, handyman, electrical, cleaning | general, cleaning, landscaping | general, handyman, electrical, landscaping, cleaning |
| Also notable | Buy online in about 10 min; free unlimited COIs; 4.7/5 (5,056 reviews) on own site. GL customer distribution: 12% <$25/mo, 33% $25-45, 19% $45-75, 10% $75-100, 28% >=$100. | Buy by the job, month or year. Policies via Markel Insurance Co. / National Specialty Insurance Co. | Online agency comparing 18 carriers. GC package median $103/mo ($1,236/yr). GL state medians: FL $47, CO $44, NJ $44, SC $43, TX $43, GA $42, NC $41, PA $41, CA $35, NY $32. |
| Visit | Visit ERGO NEXTERGO NEXT pricing page | Visit ThimbleThimble pricing page | Visit Simply BusinessSimply Business pricing page |
Published sample quotes
Each sample is one business in one state with the limits and deductible shown. Yours will differ.
| Insurer | Business | State | Limits | Deductible | Sample quote | Kind / date |
|---|---|---|---|---|---|---|
| Simply BusinessGeneral liability | Electrician (LLC) | CA | $1M/$2M | $0 | Sample quote$67/mo | Real quote, May 2026Source |
| Simply BusinessGeneral liability | Lawn care (sole prop) | TX | $1M/$2M | $0 | Sample quote$47/mo | Real quote, May 2026Source |
| Simply BusinessGeneral liability | Handyperson (LLC) | OH | $1M/$2M | $0 | Sample quote$116/mo | Real quote, May 2026Source |
Caveats in the published data
- ERGO NEXT: GL cost page FAQ says consultants average 'about $50 per month' but its table says $35
- ERGO NEXT: Commercial auto price not published (Progressive partner)
- Thimble: Tools/equipment pricing page not found (guessed URL 404)
- Simply Business: Meta description says 'average of $42/month' vs body 'median $44'
More business insurance costs
- Business insurance hub
- General liability cost by trade
- Workers’ comp cost
- Commercial auto cost
- Tools & equipment + BOP vs GL
- Handyman insurance cost
- Cleaning business insurance cost
- Landscaping insurance cost
- NEXT vs Hiscox
- Hiscox vs biBERK (+ NEXT)
All figures from each company’s own pages, checked 2026-10-26. We are not an insurance agent and do not sell or recommend coverage; check what your state and your clients require. How we check prices