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Cyber Insurance Restaurant

Restaurant Business Insurance: Protecting Customer Data from Hacks

As a restaurant owner, you already know the importance of fire safety, food liability, and workers’ comp coverage. But in today’s digital world, another serious risk looms behind the scenes: cyberattacks. From stolen credit card numbers to hacked loyalty apps, data breaches can put your customers, and your reputation, at risk. This is where restaurant business insurance plays a critical role.

At Gild Insurance, we help restaurants of all sizes—from food trucks to upscale bistros—protect what matters most, including your customer data. If you’re collecting payments, managing online reservations, or storing customer info, it’s time to take cyber risks seriously.

The Cyber Threats Facing Modern Restaurants

Restaurants are increasingly reliant on technology to run smoothly. You might use:

  • POS systems that store cardholder data
  • Online ordering platforms with customer login details
  • Mobile apps offering loyalty perks
  • Cloud-based payroll and scheduling tools

While these tools increase efficiency, they also open the door to hackers. A single breach could cost thousands in regulatory fines, legal fees, lost trust, and even downtime.

With tailored restaurant business insurance, you can shield your business from these digital threats and focus on serving your guests—not damage control.

Cyber Liability Coverage in Your Restaurant Business Insurance Plan

A strong protection plan should include cyber liability insurance, which offers protection against data breaches, ransomware attacks, and other digital exposures.

This coverage can help pay for:

  • Forensic investigations
  • Customer notification and credit monitoring
  • Public relations and reputation management
  • Regulatory defense and penalties
  • Business interruption from system shutdowns

If you’re not sure whether your current policy includes cyber liability, our team at Gild can help you review and update your plan to reflect the realities of today’s digital environment.

Go Beyond with Tailored Restaurant Business Insurance

Many restaurant owners assume that general liability is enough. But general liability typically won’t cover cyber incidents. That’s why we’ve created restaurant business insurance bundles that can be customized to include:

Adding cyber liability to your restaurant business insurance isn’t just a precaution—it’s a smart investment in long-term security.

If you haven’t already, check out our past blogs on property and liability risks and workers’ compensation insurance for restaurants to see how these coverages work together to fully protect your business.

How Much Does Restaurant Business Insurance Cost?

The cost of restaurant business insurance depends on several factors such as your business size, location, number of employees, and the type of coverage you choose. Cyber liability coverage may slightly increase your premium, but the financial protection it offers in the event of a data breach is well worth it.

Still have questions about pricing or policy details? Visit our FAQ page to learn more.

Final Thoughts: Is Your Restaurant Data Really Safe?

If you’re using digital tools to take orders, pay staff, or promote your menu, you need restaurant business insurance that goes beyond slips and spills. Cyber threats are real, and the best way to prepare is to partner with a provider that understands your business.

Gild makes it easy to get covered online, compare policies, and get expert support at every step. Don’t let one hack undo years of hard work. Let’s protect what you’ve built—inside the kitchen and in the cloud.

Ready to Protect Your Restaurant?

Get a quote today for restaurant business insurance that includes cyber liability coverage. Gild makes it simple, fast, and tailored to the way you run your business.

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Handyman Liability Insurance

Handyman Insurance: General Liability vs. Professional Liability

When you’re running a handyman business, every job site holds opportunity—and risk. Gild Insurance makes it easy to protect your business with handyman insurance solutions that match your real-world needs. Whether you’re fixing a leak, remodeling a room, or installing fixtures, you’re just one mistake away from an expensive claim. That’s why it’s important to understand the two core pillars of protection: general liability and professional liability insurance.

If you’ve read our blog, “One Job Away from Risk? Get Handyman Liability Insurance,” you already know that handyman work comes with its share of surprises. Let’s break down the differences between these essential coverages so you can build a stronger defense against the unexpected.

What Is Handyman Insurance?

Handyman insurance is a set of policies designed to shield you from the risks that come with residential or commercial repair work. It helps cover legal fees, medical bills, property damage, and professional mistakes that could otherwise drain your business’s finances. Instead of relying on a one-size-fits-all policy, Gild Insurance helps you customize coverage based on the types of jobs you take, the tools you use, and the clients you serve.

Two of the most critical coverages to understand are general liability and professional liability.

General Liability Insurance: The Everyday Safety Net

General liability is the foundation of a strong handyman insurance plan. It protects you when physical accidents or property damage happen during your work.

General liability coverage can help with claims like:

  • A customer trips over your ladder and breaks their wrist.
  • You accidentally damaged a client’s hardwood floors while moving equipment.
  • A paint spill ruins an expensive carpet.

Without general liability insurance, even a minor accident could lead to thousands of dollars in medical bills or legal fees. This coverage is often required to get hired by property managers, commercial clients, and homeowners’ associations.

Tip: Many states and clients require proof of general liability insurance before allowing handymen on the job site, so staying covered isn’t just smart—it’s essential for business growth.

Professional Liability Insurance: Protecting Against Errors and Advice

Professional liability, sometimes called “errors and omissions” (E&O) insurance, protects you from claims related to the quality of your work or advice you give to clients.

You might need professional liability coverage if:

  • A client says your drywall installation wasn’t up to code and demands costly repairs.
  • You recommend a fix that fails, causing more damage later.
  • A client sues over project delays or unsatisfactory workmanship.

Unlike general liability, which focuses on physical accidents, professional liability addresses mistakes in your craftsmanship or service. Having this protection built into your handyman insurance plan helps you safeguard your reputation and stay resilient, even if an honest mistake turns into a legal dispute.

Why Both General and Professional Liability Matter for Handymen

A complete handyman insurance package includes both types of coverage because accidents and allegations can happen on the same job.

For example: You could drop a heavy tool through a window (general liability) and later be blamed for using the wrong sealant on a project (professional liability). Without both policies, you could end up paying two different claims out of pocket—plus legal defense costs.

With Gild, it’s simple to build an insurance plan that fits the real risks you face every day on the job.

How Much Does Handyman Insurance Cost?

The cost of handyman insurance depends on several factors, including:

  • The type of services you offer
  • Where your business operates
  • Your years of experience
  • The number of employees (if any)
  • Your claims history

In general, basic handyman insurance is surprisingly affordable, especially compared to the financial impact of an uncovered claim. Gild Insurance makes it easy to shop and compare quotes so you can find a policy that fits your needs—and your budget.

Explore your options in minutes—start your customized quote today. 

Protect Your Business with Gild

Running a handyman business means wearing a lot of hats: project manager, technician, customer service rep—and risk manager. You shouldn’t have to navigate insurance alone. Gild Insurance helps make the process fast, clear, and tailored to your business reality.

Take the guesswork out of coverage—explore your options and see your quote in just a few clicks. 

Categories
Business Owners Policy (BOP) Commercial Auto Cyber Insurance Food Trailer Liability Insurance Workers' Compensation

From Kitchen to Curb: A Guide to Commercial Food Truck Insurance

Food trucks may be mobile, but the risks they face are constant. From grease fires and vehicle collisions to customer illnesses and equipment theft, operating a food truck comes with serious exposures. That’s why having the right commercial food truck insurance isn’t optional — it’s essential to staying open and on the road.

At Gild Insurance, we help small business owners, including food truck operators, build flexible insurance plans that match the real risks of life on the road. Whether you park at festivals, breweries, office parks, or college campuses, the right coverage helps ensure you can keep serving up success.

What Is Commercial Food Truck Insurance?

Running a food truck combines elements of the restaurant and transportation industries. Your risks are just as diverse as your daily menu. Commercial food truck insurance meets those needs by bundling several key coverages into one simple policy. Instead of juggling different plans for your vehicle, kitchen equipment, and liability exposures, you can protect everything under one roof.

A typical plan includes:

  • General Liability: Covers third-party injuries or property damage. If a customer slips while ordering or gets sick from your food, this coverage helps with legal and medical costs.
  • Commercial Auto Insurance: Protects your truck if you’re involved in an accident while driving to events or food truck rallies.
  • Property Coverage: Covers your cooking appliances, generators, cash registers, signage, and supplies against fire, theft, vandalism, or weather damage.
  • Workers’ Compensation: Pays for medical bills, lost wages, and rehabilitation if an employee gets hurt while working.
  • Business Interruption Insurance: Replaces lost income if your truck is temporarily out of service due to a covered incident like a fire or breakdown.

Many policies also offer optional endorsements for spoilage, cyber liability (for mobile payment systems), and special event coverage. With these options, you can customize your commercial food truck insurance to fit how—and where—you operate.

How Commercial Food Truck Insurance Differs from Food Trailer Insurance

If you’ve operated a food trailer before, you’ll notice some key differences. Our post on “Food Trailer Insurance: What Every Food Truck Owner Needs to Know,” explains why insurance needs shift depending on your setup. Food trucks carry higher mobility risks, more on-site cooking hazards, and sometimes require additional auto coverage.

Why Tailored Commercial Food Truck Insurance Matters

Some food truck owners assume their personal auto policy or general business insurance is enough. Unfortunately, that assumption can leave costly gaps. With insurance tailored to your operation, you can protect:

  • Equipment that travels with your business
  • Your truck and trailer under one auto liability plan
  • Your customers from foodborne illness claims
  • Your income at events through special event endorsements

Your insurance should move with you; whether you’re at a stadium, a local brewery, or a bustling festival.

How Much Does Commercial Food Truck Insurance Cost?

Premiums depend on your location, truck value, equipment, cooking methods, employee count, and daily mileage. For instance, trucks using deep fryers face different risks, and costs, than those serving pre-packaged goods.

Instead of guessing, Gild helps you find the right fit. Explore our FAQ page to see how coverage options affect pricing, or start a quote today.

Why Choose Gild for Your Insurance Plan?

At Gild Insurance, we make protecting your food truck easy. Our advisors help you:

  • Identify coverage requirements for your state and event locations
  • Close gaps that could leave your business vulnerable
  • Get quick online quotes and responsive, expert support

Plus, we connect you with trusted partners to streamline every part of your business. Not just insurance.

Ready to Roll?

From permits to catering contracts, the food truck business moves fast. Gild helps you stay protected with insurance built for the pace of your work.

Start your quote today and get the commercial food truck insurance you need to roll forward—without the roadblocks.

Categories
Lawn Care Liability Insurance

How Landscaping Business Insurance Protects Against Spring Risks

Spring brings new business opportunities for landscapers, but it also brings fresh risks. From sudden storms to equipment theft, the right landscaping business insurance can be the safety net your green business needs. Gild Insurance makes it easy for landscape contractors, lawn care providers, and outdoor service pros to protect their businesses without the hassle.

If you’ve already read our blog, “Earth Day Ready: Protect Your Green Business with Lawn Care Business Insurance,” you know how important coverage is for seasonal risks. Today, let’s take a closer look at how landscaping business insurance can safeguard you from some of the most common spring hazards.

Why Landscaping Businesses Are More Vulnerable in the Spring

Spring kickstarts the busiest season for landscape professionals. That also means:

  • Longer hours on job sites
  • More vehicles and trailers on the road
  • Expensive tools and equipment left outdoors
  • Higher demand and tighter deadlines

All of these factors increase exposure to risks like property damage, vehicle accidents, customer injuries, and theft. Without this protection, a single claim could severely impact your cash flow—or even shut down your operations temporarily.

How Landscaping Business Insurance Protects You from Spring Storms

Severe weather is one of the top threats landscapers face each spring. High winds, hail, and heavy rain can:

  • Damage vehicles and trailers
  • Destroy tools and machinery left outside
  • Ruin landscaping work already in progress

With landscaping business insurance, you can access coverages like property insurance, inland marine insurance, and business interruption insurance. These protections can help you replace damaged equipment, recover lost income, and get back to work faster after a storm.

Guarding Against Accidents and Liability Claims with Landscaping Business Insurance

Accidents happen. Especially when you’re juggling multiple job sites and heavy equipment. Common liability risks for landscapers include:

  • A client tripping over equipment left on-site
  • Property damage caused by mowers or trimmers
  • Vehicle accidents involving your crew

General liability insurance, often included in landscaping business insurance plans, helps cover legal fees, medical bills, and property repair costs when accidents happen. It protects your reputation and your bottom line.

Theft Prevention and Coverage for Landscaping Businesses

Unfortunately, spring also brings an uptick in theft. Trailers, tools, and landscaping equipment are frequent targets. While security measures can help, landscaping business insurance that includes inland marine coverage can help you recover stolen tools or equipment, therefore keeping your projects on track and your business moving forward.

How Much Does Landscaping Business Insurance Cost?

The cost of landscaping business insurance depends on a few factors:

  • Size of your operation
  • Number of employees
  • Types of services you offer (mowing, hardscaping, irrigation, etc.)
  • Claims history
  • Location and travel radius

While rates vary, investing in the right coverage today can save you from expensive claims down the line. If you’re curious about costs or want to explore your options, Gild makes it easy to get a quote and compare coverage in minutes.

Growing Your Crew This Spring?

Spring growth often means hiring extra hands to keep up with demand. If you’re bringing on seasonal workers, it’s important to stay compliant with payroll, tax, and reporting requirements. That’s where Gild’s partner Envision Payroll can help.

Envision helps landscapers simplify payroll, automate filings, and stay focused on the work that matters. With support tailored for small teams and seasonal surges, they make scaling your business smoother.

Protect Your Green Business This Spring with Gild

Your business is built on trust, hard work, and the ability to deliver beautiful outdoor spaces. Don’t let an unexpected accident, storm, or theft derail your growth. Whether you specialize in lawn care, hardscaping, or full-service landscaping, Gild is here to help you find the landscaping business insurance you need to stay protected all season long.

Protect your business before the next storm hits—get a quote today.

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.