Insurance

Initial Setup

• Click on this link to start https://link.thimble.com/broker/PKMK76K7F

• Click on Get your instant quote

• Type in your business zip code

• Type Event Catering

• Verify you have Event Catering

• Pick Monthly

• Once you have selected your coverage period (starting and ending) – Click “View Policy”

• Finalize the Details

Details

• What's covered: Policy would automatically cover you as the named insured

• Coverage Limit: 1,000,000 coverage is automatically selected, but you can purchase up to 2,000,000 by clicking the “$1,000,000” number

• Additional Insured – REQUIRED BY FOODNOME: Click “Add” to the right of Additional Insureds. Then type “Foodnome, Inc.” in Name or Description box and under email type “[email protected]” – then Click “Add” at the bottom

• Final Steps to Purchase - Click “Get Insured for $_”. Put in YOUR email, password (you choose), your first name, your last name, business name, and “Yes” or “No” to have you ever purchased business insurance before. Then Click “Sign Up” at the bottom.

FAQ

What does business insurance cover?

There are a number of different types of insurance available to small businesses but the most common, General Liability, covers three types of scenarios:*

Bodily Injury: Applies to injuries sustained by third parties, including clients and bystanders, due to negligence. The policy is designed to cover expenses including medical bills, missed work, and legal costs associated with the accident.

To illustrate what’s at stake, consider the average cost of common types of claims:

Customer injury or damage: $30,000 Customer slips and falls: $20,000 Customer struck by an object: $10,000

Do you have $20,000 to cover a third party's medical bills or a lawsuit because of a freak slip & fall?

Property Damage: Applies to third-party property damage. The policy will cover the cost of repairing or replacing the damaged property and any legal costs.

Personal and Advertising Injury: Applies when you are held liable for personal injury—which can include slander, malicious prosecution, copyright infringement, and more—to a third party. The policy will cover any costs associated with lawsuits or settlements against you. Here’s an example: a salon owner posts a photo of a customer on her social media account without obtaining her permission to do so, and the customer sues for violation of privacy.

*Please review your policy documents for full language, definitions, and exclusions

Note: General Liability policies typically do not cover bodily injury to you or crew members and does not cover property damage to property you own.

Who does business insurance cover?

Now that you know what small business insurance covers, it’s important to know who is covered by your policy. As the primary policyholder, you are what’s known as the Named Insured. You can add two types of people or entities to your policy: crew and Additional Insureds.

Crew members can include employees or temp workers who are working with you on a job or project. By including them, you are extending your policy to cover their actions in the event of an incident like those outlined above. The ability to add crew members to your policy is unique to Thimble, and is not a standard feature of most small business insurance policies.

Additional Insureds, by contrast, are individuals or entities added to a liability policy as an insured in regard to a specific job, activity, or location. Generally, they have a business relationship with the Named Insured, and including them on your policy extends coverage to them if a claim or lawsuit is brought against them for an incident that results from your negligence.