HPSO / NSO vs Thimble
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| Item | HPSO / NSO | Thimble |
|---|---|---|
| Coverage limits | $1M per claim / $6M annual aggregate | $1M per occurrence / $2M aggregate (adjustable) |
| Policy form | occurrence | occurrence |
| License defense | ✓ | — |
| Tail coverage | — | — |
| Rating | 4.6 | 4.1 |
| Best for | healthcare professionals who want widely recognized occurrence coverage with high aggregate limits | freelancers and part-time / niche professions that need flexible, short-term coverage |
| Get Quote | Get Quote |
HPSO / NSO
Pros
- High $1M / $6M aggregate limits; coverage stays in force even if you change jobs
- License Defense up to $25,000, HIPAA proceedings up to $25,000, Assault up to $25,000 (annual aggregate)
- 24/7 occurrence coverage with your own designated defense attorney; legal fees paid in addition to limits
Cons
- Policy is issued through NSO rather than HPSO directly
- Fewer customization options than digital-first carriers
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