CPH & Associates vs Thimble
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| Item | CPH & Associates | Thimble |
|---|---|---|
| Coverage limits | Professional liability occurrence form; optional GL $1M / $3M aggregate | $1M per occurrence / $2M aggregate (adjustable) |
| Policy form | occurrence | occurrence |
| License defense | ✓ | — |
| Tail coverage | — | — |
| Rating | 4.3 | 4.1 |
| Best for | counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage | freelancers and part-time / niche professions that need flexible, short-term coverage |
| Get Quote | Get Quote |
CPH & Associates
Pros
- Occurrence (lifetime) form — coverage for incidents during the policy period never expires
- State Licensing Board Defense $35,000 and unlimited defense attorney fees in lawsuit defense
- A++ rated carrier (A.M. Best); talk to a licensed agent directly, no phone trees
Cons
- Sexual misconduct is defense-cost coverage only
- Higher limits and some coverages are optional add-ons
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