Proliability (Mercer) vs Thimble
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| Item | Proliability (Mercer) | Thimble |
|---|---|---|
| Coverage limits | Up to $1M / $3M aggregate | $1M per occurrence / $2M aggregate (adjustable) |
| Policy form | occurrence | occurrence |
| License defense | ✓ | — |
| Tail coverage | — | — |
| Rating | 4.4 | 4.1 |
| Best for | nurses and allied-health professionals who want occurrence coverage with no tail | freelancers and part-time / niche professions that need flexible, short-term coverage |
| Get Quote | Get Quote |
Proliability (Mercer)
Pros
- Occurrence-based coverage through Liberty Insurance Underwriters — no tail coverage needed
- Licensing board reimbursement up to $25,000 per incident / $100,000 per policy period
- HIPAA coverage up to $50,000; the only AANP-sponsored NP plan since 2008
Cons
- Standard limits cap at $1M / $3M (lower aggregate than HPSO/CM&F)
- Online self-service flow feels dated
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