Berxi (Berkshire Hathaway) vs Thimble
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| Item | Berxi (Berkshire Hathaway) | Thimble |
|---|---|---|
| Coverage limits | Flexible up to $1M / $6M aggregate | $1M per occurrence / $2M aggregate (adjustable) |
| Policy form | occurrence / claims-made | occurrence |
| License defense | ✓ | — |
| Tail coverage | ✓ | — |
| Rating | 4.5 | 4.1 |
| Best for | professionals who want instant online quotes and defense costs that don't erode limits | freelancers and part-time / niche professions that need flexible, short-term coverage |
| Get Quote | Get Quote |
Berxi (Berkshire Hathaway)
Pros
- Defense costs are outside the limits of liability — a $1M limit stays fully available for settlements
- $0 deductibles; both occurrence and claims-made options with customizable tail coverage
- Board Action & License Protection (starts at $10,000/incident) and Reputation Protection up to $50,000
Cons
- Covers a narrower range of professions than HPSO
- Not available in every state or for every profession
Thimble
Pros
- General liability and professional liability included in fitness/trainer coverage
- Buy by the hour, day, month, or year; instant certificate of insurance (COI)
- Coverage applies wherever you work — gym, client's home, or a park
Cons
- Does not include license defense
- Workers' compensation (employee injury) is a separate policy
Last reviewed: 2026-07-07