Category: Small Business General

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Insurance Partners Small Business General

Storm Preparedness Tips and Fast Support from Gild’s Claims Concierge

Severe weather season is here—and that means it’s time to act. From hail and heavy winds to flooding and fallen trees, property damage can strike fast and derail your business. These storm preparedness tips will help you minimize downtime, avoid confusion, and recover faster.

And with Gild’s Claims Concierge, you won’t have to navigate the aftermath alone.

Storm Preparedness Tips to Avoid Getting Caught Off Guard

Even the best-run businesses can be vulnerable to extreme weather. The cost of not being prepared? Lost revenue, delayed projects, and expensive repairs.

Here’s what you can do today:

  • Review your insurance policy and know what’s covered
  • Keep photos and videos of your property on file
  • Create a contact list of vendors, contractors, and insurers
  • Secure loose items outdoors and protect windows
  • Save your insurance documents in a digital folder

Gild Insurance takes it a step further. If a storm damages your property, our Claims Concierge handles the claims process for you from inspection to repair.

Storm Preparedness Tips Only Go So Far—Here’s What Happens Next

Storm damage can be overwhelming. But Gild’s four-step Claims Concierge makes recovery simple and fast:

✅ Step 1: Sign Up for Claims Support and Storm Preparedness Tips

Complete a short form so we can match you with a partner claims advisor.

✅ Step 2: Let Us Handle It

We work directly with adjusters, so you don’t have to chase anyone down.

✅ Step 3: Repairs Begin Immediately

Once your claim is approved, work starts right away—even before your insurance check arrives.

✅ Step 4: Stay in the Loop

You’ll receive real-time updates through email, text, or phone—whichever you prefer.

Fast, Free Support—Even If You’re Not a Gild Policyholder

Severe weather doesn’t care who your insurance carrier is—and neither do we. Gild’s Claims Concierge is free for both policyholders and non-policyholders.

When you use our service, you get:

  • Faster claims processing 
  • Vetted and approved network of contractors 
  • Better experience, fewer delays 

If you’ve been searching for storm preparedness tips that go beyond “buy sandbags,” this is it: get expert help, and get it fast.

Stay One Step Ahead—Start with Gild

Preparation is essential, but action is everything. Gild is here to make sure you’re not alone when the storm hits—and not stuck after it passes.

👉 Sign up for Gild’s Claims Concierge
👉 Review your policy with an agent
👉 Download a storm preparedness checklist

Storm preparedness tips only go so far. Let’s protect what you’ve built—together.

Frequently Asked Questions

Q1: What should I do immediately after storm damage occurs? Ensure safety first, then document all damages with photos and videos. Contact your insurance provider as soon as possible to initiate the claims process. Gild’s Claims Concierge is a service that provides personalized support throughout the insurance claims process, helping policyholders navigate post-storm recovery efficiently.

Q2: How can I prepare my home for storm season? Secure loose items, reinforce windows and doors, trim trees, and review your insurance policies to ensure adequate coverage.

Q3: How long does it take to process a storm damage insurance claim? Processing times vary based on the extent of damage and the volume of claims, but initiating the claim promptly and providing thorough documentation can expedite the process.

Categories
Insurance Small Business General Tariffs

How Do Tariffs Affect Small Businesses and Entrepreneurs and How to Respond Now 

The Liberation Day tariffs are here and for U.S. small businesses, the impact is immediate and personal. Rising household costs and skyrocketing business expenses are squeezing margins from both sides. Entrepreneurs are getting hit twice: at home and at work.  From food trucks and retail shops to consulting firms and manufacturers, small business owners are feeling the pressure. How do tariffs affect small businesses and entrepreneurs? The short answer: financially, operationally, and strategically. 

That’s why Gild Insurance created the Tariffs Runbook. A resource built specifically to help small businesses adapt, survive, and protect their operations during ongoing trade disruptions. 

If you want practical strategies to stay ahead, cut costs, and safeguard your future, this guide is a must-read. 

How Tariffs Affect Small Businesses and Entrepreneurs on the Ground

Real-time market data shows that the impact of tariffs is accelerating faster than many expected: 

  • Import Dependency: States like California and Texas, source over 20% of small business inputs from now-tariffed countries. In industries like electronics and textiles, reliance can exceed 50%. (National Retail Federation, 2024) 
  • Cash Flow Pressures: About 20% of U.S. small businesses have fewer than four months of cash reserves (Source: PYMNTS, 2025). Rising costs from tariffs and slowing consumer demand could push many to the brink by mid-2025 if conditions persist. 
  • Supply Chain Disruptions: Port delays at major hubs like Los Angeles, Long Beach, and New York/New Jersey are affecting 10–20% of shipments, contributing to inventory shortages and delivery backlogs (Source: Seavantage, 2025). 

These pressures aren’t theoretical, they’re happening now. The businesses that adapt early will survive and thrive. 

Get the strategies you need inside the Tariffs Runbook — built for small business owners like you. 

Why It’s Critical to Act Now 

Tariffs aren’t a temporary problem; they’re part of a broader shift toward protectionism. Without a plan, small businesses risk: 

  • Shrinking profit margins 
  • Lost customer loyalty due to price hikes 
  • Increased operational downtime 
  • Greater vulnerability to supply chain disruptions 

You don’t have to figure this out alone. 
The Gild Tariffs Runbook helps you assess your exposure, rethink your supplier strategies, and protect your business with smart risk management moves. 

What’s Inside the Tariffs Runbook (And Why You Need It) 

The Tariffs Runbook offers actionable guidance without the fluff, including: 

  • Insurance Risk Audit: How the right coverage shields your business from ripple effects like delays, lawsuits, and revenue loss. 
  • State Level Risk Snapshots: Breaking down where tariffs will hit the hardest in 2025. 
  • Risk Identification Checklist: Spot hidden tariff vulnerabilities across your supply chain.  
  • Partner Resources: How Gild partners can help you reduce costs and give your business access to affordable services beyond insurance. 

Don’t let tariff uncertainty catch you off guard. Download your Tariffs Runbook now. 

Recommended Insurance Solutions for Tariff Fallout 

Tailored coverage is a crucial part of risk management in today’s trade climate. Here are the top products Gild recommends: 

  • Inland Marine: Covers goods in transit as you reroute around port delays or tariffed routes. 
  • Cyber Insurance: Important if you’re switching to digital suppliers or platforms under pressure. 

Schedule a policy review with a Gild agent to ensure your insurance protects you against delays, supply chain interruptions, and increased legal exposure. 

How Gild Helps Beyond Tariffs: Partner Resources to Reduce Costs 

Need help finding more savings beyond insurance? Gild works with vetted partners who offer real solutions: 

  • Rocket Lawyer – Affordable legal help for renegotiating contracts or adding tariff clauses 
  • RangeMe – Connect with domestic and tariff-exempt suppliers 
  • Owners Bank – Smart financing options to weather short-term cash flow disruptions. 

By leveraging these partnerships, small business owners can strengthen their operations, streamline expenses, and stay resilient—no matter how trade policies shift. 

Protect What You’ve Built 

You’ve worked too hard to let global trade shifts derail your success. 

Download the Tariffs Runbook today to stay informed, stay protected, and stay ahead. 

Want personalized help? Schedule a call with Gild Insurance and discover smarter ways to protect your business—now and into the future 

Categories
Business Owners Policy (BOP) Liability Insurance Small Business General Workers' Compensation

Protecting What She Built: How Gild Supports Mompreneurs

At Gild Insurance, we’re proud to support the women who balance motherhood and entrepreneurship with courage and creativity. Whether she’s opening a café, running a freelance design studio, or managing an online shop during nap time, all mompreneurs deserve insurance that makes life easier, not harder.

This Mother’s Day, we’re celebrating the moms who lead, build, and protect their futures while showing how Gild helps them protect what they’ve built.

Why Mompreneurs Deserve the Spotlight

A mompreneur is a woman who balances motherhood and entrepreneurship, building a business while raising a family.Today’s mompreneurs are launching and scaling businesses in every industry, from consulting and hospitality to trades and tech. These women wear many hats, often juggling childcare, financial decisions, and business strategy in the same day.

Balancing family life and entrepreneurship takes resilience. When you add in the pressure of managing business risks, it becomes clear that support isn’t a luxury—it’s essential.

What Risks Do Mompreneurs Face?

No matter the business size or structure, mompreneurs face real-world risks every day. Some of the most common include:

  • Customer accidents at salons, studios, or pop-ups
  • Service errors or contract disputes in freelance work
  • Cybersecurity threats for e-commerce and digital brands
  • Property damage to equipment, inventory, or leased spaces
  • Business interruptions that affect cash flow and operations

Even a small claim can have a big impact on a mompreneur’s momentum and income. That’s why it’s so important to have the right protection in place.

How Gild Helps Protect Mom-Owned Businesses

Gild makes it simple to find coverage that fits your business and lifestyle. Our platform is designed for speed, flexibility, and expert support because we know mompreneurs don’t have time to waste.

With Gild, you get:

  • Quick, personalized insurance quotes
  • Easy online comparisons
  • Access to top-rated carriers
  • Friendly support from real people

Popular coverage options for mom-owned businesses include:

Flexible Coverage for the Modern Mompreneur

Your business may start as a side hustle, but it can grow quickly. Gild offers flexible insurance plans that evolve with you, whether you’re working solo or expanding your team.

You shouldn’t have to choose between protecting your family or your business. With Gild, you can confidently do both.

This Mother’s Day, Let’s Celebrate What She’s Built

Behind every mompreneur is a story of passion, perseverance, and purpose. From early mornings to late-night emails, she’s poured her heart into building something that matters.

This Mother’s Day, we honor the moms who lead with love, and we’re proud to help protect what they’ve built.

To every mom in business—this one’s for you.

Get a personalized quote and start protecting your business today.

Categories
Liability Insurance Small Business General

Small Business Professional Liability Essentials: What You Need to Know

Running a small business comes with plenty of challenges, but navigating legal claims shouldn’t be one of them. That’s why understanding small business professional liability essentials is so important. Professional liability insurance is designed to protect your business from claims of errors, omissions, or negligence that could jeopardize everything you’ve built. At Gild Insurance, we understand the unique pressures small business owners face, which is why we offer tailored solutions to ensure you’re covered. With the right protection in place, you can focus on what you do best—growing your business with confidence.

What Is Professional Liability Insurance?

Professional liability insurance, often called errors and omissions (E&O) insurance, protects your business from claims of financial loss caused by mistakes, missed deadlines, or perceived negligence in your services… For small businesses, this coverage is a vital safety net, offering protection from the legal and financial fallout that can result from these claims.

What Does It Cover?

Here are some key areas professional liability insurance typically addresses:

  • Legal Costs: Covers attorney fees, court costs, and other legal expenses if you’re sued over a professional mistake.
  • Settlements and Judgments: Helps pay settlements or court-ordered judgments up to your policy limits.
  • Errors and Omissions: Protects against claims of mistakes, oversights, or missed deadlines.
  • Negligence and Misrepresentation: Covers situations where a client alleges you were negligent or misrepresented information.

At Gild Insurance, we customize your coverage to align with your business’s specific risks. Therefore, ensuring you’re prepared no matter what comes your way.

Why Your Small Business Needs Liability Insurance

As a small business owner, you might wonder if professional liability insurance is really necessary. Here’s why it is:

  • Client Requirements: Many clients require proof of coverage before signing a contract.
  • Mistakes Happen: Even with the best intentions, errors and oversights can occur. Insurance ensures they don’t cost you your business.
  • Peace of Mind: Knowing you’re protected lets you focus on growing your business instead of worrying about the “what ifs.”

Gild Insurance: Your Partner in Protection

Gild Insurance understands the unique needs of small businesses. We make it easy to secure professional liability insurance tailored to your industry, helping you stay protected and confident as you navigate the challenges of entrepreneurship.

With Gild, you’ll get more than just coverage—you’ll get a partner who’s committed to your success.

Final Thoughts

Professional liability insurance isn’t just a box to check—it’s a smart investment in your business’s future. These small business professional liability essentials ensure you’re prepared to handle the unexpected, whether it’s a lawsuit, a mistake, or a client misunderstanding.

Ready to protect your business? Let Gild Insurance help you find the right coverage, so you can focus on doing what you do best running a successful business.

Categories
Liability Insurance Marketing Small Business General

Passion-Driven Small Businesses: How to Be Successful

Thinking about starting your own small business? That’s an exciting step! Becoming an entrepreneur is a rewarding journey full of opportunities. One of the first questions you might have is, ‘What’s the best small business to start?’ The truth is, there’s no one-size-fits-all answer—it all depends on your skills, passions, and market demand. Don’t worry, we’ve got you covered! At Gild Insurance, we’re here to support passion-driven small businesses like yours with tailored insurance solutions to help you succeed. Let’s explore some proven ideas to inspire your entrepreneurial journey!

The Cornerstones of a Successful Small Business

Before we dive into specific small business ideas, let’s discuss what makes a small business successful. Generally, successful small businesses have a few things in common:

  • Demand: There’s a market need for the product or service.
  • Scalability: The business can grow over time without hitting major roadblocks.
  • Profitability: It generates more revenue than it costs to run.
  • Passion: The owner enjoys what they’re doing.

At Gild Insurance, we understand these cornerstones and the challenges entrepreneurs face when building a successful business. That’s why we offer tailored insurance solutions designed to protect your business and help you focus on growth.

Now that we know what makes a small business thrive, let’s explore some passion-driven small business ideas that have proven to be successful across a variety of industries.

Passion-Driven Small Businesses That Lead to Success

1. E-Commerce Store

E-commerce is booming, and it’s not just for the big retailers. Many small businesses have found success selling products online. Whether it’s handmade crafts, specialty foods, or unique apparel, an e-commerce store allows you to reach customers around the world. Platforms like Shopify, Etsy, and WooCommerce make it easy to set up an online store—and Gild Insurance can help ensure your business is protected every step of the way. For more tips, check out our Guide to Online Marketing: Small Business Edition.

2. Home-Based Food Business

If you love cooking or baking, why not turn your kitchen into a small business? You could sell homemade goodies like cookies, cakes, or jams. Make sure to check local regulations for food businesses and get the necessary licenses. Once you’re all set, use social media to attract customers, and watch your business grow!

3. Consulting Services

If you have expertise in a particular field, consulting could be a lucrative business. Whether it’s marketing, finance, human resources, or technology, companies are always looking for experts to guide them. You can start from home and expand as your client base grows. And don’t forget—Gild Insurance offers specialized coverage to protect your home-based business.

4. Fitness Coaching and Personal Training

Fitness and wellness are hot topics, and many people are willing to pay for personal training and coaching. If you’re passionate about health and fitness, consider becoming a certified personal trainer. You can offer one-on-one sessions, group classes, or even online coaching. Gild Insurance can help protect your business from unexpected risks so you can focus on helping your clients.

5. Content Creation and Freelancing

If you have a knack for writing, graphic design, photography, or video production, freelancing can be a fantastic small business. There’s a huge demand for content creators in the digital age, and you can work from anywhere. Platforms like Upwork and Freelancer make it easy to connect with clients looking for your skills.

6. Mobile Services

Mobile businesses are gaining popularity because they bring services directly to the customer. Think mobile car wash, pet grooming, or beauty services like haircuts and manicures. If you have the skills and a vehicle, you can start a mobile business with relatively low overhead costs. Gild Insurance offers policies to cover mobile business operations, giving you peace of mind on the go.

7. Digital Marketing Agency

As more businesses go online, the need for digital marketing expertise is growing. If you’re skilled in SEO, social media marketing, or email campaigns, consider starting a digital marketing agency. You can offer your services to small businesses that need help reaching their online audience.

Final Thoughts

Choosing the most successful small business to start depends on your interests, skills, and market demand. The small business ideas mentioned above are just the beginning. Passion-driven small businesses thrive when built on careful research, a solid business plan, and unwavering commitment. Success doesn’t happen overnight, but with determination and a focus on what you love, you can create a flourishing enterprise. Remember, Gild Insurance is here to support passion-driven entrepreneurs like you with tailored insurance solutions that fit your business. Good luck on your entrepreneurial journey—and always aim for the stars!