Business Insurance
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Get The Right Business Insurance For You!
Get The Right Business Insurance For You!
Business Insurance That Fits Your Needs
Whether you run a small retail shop, provide professional services, or operate a growing local business, having the right insurance is essential to protect what you’ve built. Business insurance helps safeguard your company from unexpected risks such as property damage, liability claims, or business interruptions. At Gild, we work with trusted insurance partners to connect small businesses with tailored, affordable coverage designed to fit their unique needs. Get the protection you need to focus on running your business with confidence, knowing you’re backed by reliable support.
General Liability Insurance
General liability insurance protects your business from financial loss due to third-party injuries, property damage, and related legal claims.
Best for
Customer injuries on premises
Damage to others’ property
Everyday business accidents
Business Owners Policy
Business owners policy insurance combines property and liability coverages in one simple, cost-effective policy
Best for
Property and equipment coverage
Liability for customer injuries
Business income protection
Professional Liability Insurance
Professional liability insurance protects businesses that provide professional services or guidance
Best for
Missed deadlines or delays issues
Inaccurate advice lawsuits
Misrepresentation claims
Workers Compensation Insurance
Workers compensation insurance provides medical and wage benefits to employees injured or made ill on the job and is required by law in most states.
Best for
Lost wages from time off work
Disability income benefits
Death and funeral benefits
Commercial Auto Insurance
Commercial auto insurance protects your business vehicles from financial loss when they’re used for work.
Best for
Liability for customer injuries
Cars, vans, and trucks covered
Vehicle damage and theft
Cyber Insurance
Cyber insurance helps protect your business from financial loss caused by data breaches, cyberattacks, and system outages.
Best for
Data breach and hack protection
Covers cyberattacks and outages
Helps pay for recovery costs
Umbrella Insurance
Umbrella insurance provides extra protection by covering costs that exceed the limits of underlying policies like general liability, commercial auto, and employer’s liability.
Best for
Protecting assets and cash flow
Large or unexpected losses
Claims exceeding policy limits
Directors and Officers Insurance
Directors and officers insurance protects company leaders from personal liability for claims related to management decisions.
Best for
Fiduciary duty claim protection
Liability for management decisions
Lawsuit protection for leaders
Employment Practices Liability Insurance
Employment practices liability insurance helps protect your business from the cost of employee-related claims.
Best for
Wrongful termination claims
Workplace discrimination issues
Lawsuits related to harassment
Liquor Liability Insurance
Liquor liability insurance protects businesses that sell or serve alcohol from claims caused by intoxicated customers.
Best for
Alcohol-related injury claims
Damage caused by intoxicated customers
Restaurants, food trucks, and events
Inland Marine Insurance
Inland marine insurance protects business property while it’s in transit or used off-site, where standard property coverage may not apply.
Best for
Equipment used off-site
Tools and gear in transit
Property moved between locations
Media Liability Insurance
Media liability insurance protects professionals and companies against legal claims tied to publishing, broadcasting, and advertising.
Best for
Defamation and copyright issues
Advertising and marketing work
Publishing and digital content
Vendor Liability Insurance
Vendor liability insurance protects vendors, exhibitors, and concessionaires from financial loss at events.
Best for
Injuries at vendor booths
Damage to event property
Claims from event attendees
Product Liability Insurance
Product liability insurance protects your business from financial loss if a product causes harm or damage to others.
Best for
Injuries or illness from products
Defective or unsafe products
Damage to customer property
Why Get Business Insurance?
If you own a business, the right insurance helps protect your cash flow, meet legal and contract requirements, and keep your doors open when the unexpected happens.
Here are some key reasons to consider business insurance:
- Shield your cash flow from claims: Business insurance helps you avoid paying out of pocket for customer injuries, property damage, or lawsuits that could significantly impact your finances.
- Stay compliant and contract-ready: Many states require workers compensation insurance, and clients, vendors, or landlords often require proof of general liability insurance.
- Protect your location and assets: Business personal property insurance can help cover your building, equipment, tools, and inventory against covered losses such as fire, theft, or vandalism.
- Protect against injuries, damage, and errors: General liability insurance helps cover third-party bodily injury and property damage, while professional liability insurance (E&O) helps protect against claims of professional mistakes or negligent advice.
- Support your team and reduce HR risk: Workers compensation insurance covers work-related injuries, and employment practices liability insurance helps address claims such as discrimination, harassment, or wrongful termination.
- Maintain revenue after a disruption: Business interruption insurance can help replace lost income and support recovery after a covered event.
Get the Right Business Insurance for You!
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