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Insurance Partners Small Business General

Gild Insurance Partners with Corpay: A Smarter Way to Spend

A person paying with a credit card showing that Gild Insurance Partners With Corpay

At Gild Insurance, we’re always looking for ways to help small business owners protect what they’ve built and power what’s next. That’s why we’re excited to announce: Gild Insurance partners with Corpay, a global leader in spend management, to bring Gilders early access to the Corpay World Elite Mastercard®.

This premium business card is more than just a payment method. It’s a growth engine built specifically for small business owners offering cashback rewards, global purchasing power, and mobile-first spend management that keeps your finances as agile as your operations.

What Happens When Gild Insurance Partners with Corpay? A Smarter Business Card Is Born

Now available through Gild, the Corpay World Elite Mastercard® is designed to help small businesses scale smarter. With no annual fees and 1.5% cashback on every purchase, the card delivers value with every swipe. It also includes:

  • 1.5% cashback on all purchases
  • No annual fees for primary or authorized users
  • Real-time spend tracking
  • Customizable controls and alerts
  • Access to 1,500+ airport lounges through Priority Pass™
  • Global acceptance at 100M+ merchants
  • Fraud protection and paperless expense management

From managing job site expenses to booking last-minute travel, this card simplifies your operations and delivers rewards with every transaction.

Why Gilders Love It

This partnership brings more than just convenience; it’s about access. Many small business owners struggle to find credit options that actually meet their needs. With Corpay, Gilders can streamline how they spend, manage cash flow more effectively, and track every expense from a single, mobile-friendly platform.

By integrating the Corpay World Elite Mastercard® into our ecosystem of insurance, payroll, legal, and financial tools, Gild Insurance continues to deliver on its promise: helping business owners build stronger, more resilient operations, without added complexity.

About the Partnership

Gild Insurance partners with Corpay as part of our broader commitment to simplifying business ownership through smarter tools and trusted partners. From affordable insurance to business banking, legal support, and now spend management Gild Insurance helps you move forward with confidence.

Be the First with Access

We’re proud to bring this opportunity to Gilders before it becomes widely available. To learn more or get started, simply fill out this form and a dedicated Corpay specialist will follow up with the next steps.

👉 Be the First with Access to the Corpay World Elite Mastercard® now → https://yourgild.com/small-business-credit-card

Disclosure: Gild only features partners we value. Occasionally, if you directly purchase a product from a featured partner, Gild Insurance Agency may earn a referral fee. 

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Small Business General

Concussion Protocol for Small Businesses

A single head injury can throw your fitness business into crisis. Whether it happens during a group class or a personal training session, concussions are one of the most common and costly liability claims in the fitness world. The good news is that a clear concussion protocol can help protect your clients and your business. It’s not just about safety—it’s about being prepared when accidents happen. At Gild Insurance, we help fitness professionals take proactive steps to reduce risk and stay covered.

Why a Concussion Protocol for Small Businesses Is Essential

According to the CDC, a concussion is a type of traumatic brain injury (TBI) caused by a bump, blow, or jolt to the head. This sudden movement can cause the brain to bounce or twist within the skull, triggering chemical changes and potentially damaging brain cells. A forceful impact to the face, neck, or even other parts of the body can also lead to a concussion.

In high-movement environments like gyms and fitness studios, this risk becomes a serious liability.

That’s why having a concussion protocol for small businesses, especially those in the fitness space, isn’t just a recommendation. It’s a proactive protection plan. A well-defined protocol outlines clear steps to identify, respond to, and document suspected concussions, helping you protect your clients, your team, and your coverage. Key components typically include:

  • Initial evaluation: Recognize common symptoms like dizziness, nausea, and confusion.
  • Immediate action: Remove the individual from activity if a concussion is suspected.
  • Referral to medical care: Seek evaluation by a licensed healthcare professional.
  • Return-to-activity guidelines: Only resume workouts after receiving medical clearance.

Need help getting started? The NCAA’s Concussion Protocol is a helpful real-world model that small fitness businesses can adapt.

Tools and Resources to Build Your Protocol

Start strong with trusted, evidence-based resources:

  • CDC’s Heads Up: A national campaign offering detailed information on signs, symptoms, and prevention strategies. Great for staff training and client awareness.
    👉 CDC Heads Up
  • American Academy of Neurology: Access clinical guidelines and a professional concussion checklist to assess severity and determine next steps.
    👉 American Academy of Neurology

How Gild Insurance Helps You Stay Protected

Having a concussion protocol is a smart first step—but it’s only part of a strong risk management plan. Gild Insurance offers tailored coverage designed for fitness professionals, giving you the protection you need from multiple angles.

Here are a few products that can help safeguard your business:

Whether you’re a personal trainer, studio owner, or fitness consultant, Gild makes it easy to get the right coverage for your specific business needs.

👉 Get a quote online today

👉 Schedule a time to speak with a Gild agent to build your protection plan.

Categories
Insurance Small Business General Tariffs

Surviving Texas Small Business Tariffs

Tariffs are tightening the squeeze on small businesses in Texas. For retailers in sporting goods, toys, and home goods, the pressure is building fast. In 2023, Texas imported $92 billion worth of goods from China and $107 billion from Mexico, but with Texas small business tariffs now hitting both sources, costs are rising, and margins are shrinking

Whether you’re managing tight inventory or trying to stay competitive against big-box retailers, the trade landscape is shifting—and fast. At Gild Insurance, we’re here to help you face it head-on with the tools, protection, and practical strategies outlined in our Survive Tariffs runbook to help your business stay resilient.

Let’s take a closer look at how Texas small business tariffs are affecting retailers and what you can do right now to reduce your risk.

The Real Impact of Texas Small Business Tariffs on Retailers

Retailers importing products like yoga mats, dumbbells, or children’s toys are facing an uphill battle. Tariffs on Chinese imports have fluctuated significantly, at times reaching levels that substantially increase costs—particularly for small businesses that lack the purchasing power and profit margins of larger competitors. Even at the low end, Chinese tariffs remain above 30%. 

Many are also grappling with supply chain slowdowns at Gulf Coast ports, making restocking difficult and expensive. And in regions near the border, price-sensitive customers are shopping in Mexico, adding another layer of competition that favors big-box stores.

For small businesses in cities like Houston and Dallas, where they play a vital economic role, these tariffs are not just a nuisance—they’re a threat to survival.

3 Ways Texas Retailers Can Stay Resilient

If you’re in retail—especially in toys, sporting goods, or home décor—here are a few actionable strategies to consider:

  • Diversify Sourcing: Shift more of your imports to Mexico or other tariff-exempt countries to reduce reliance on Chinese goods.
  • Blend Domestic Inventory: Integrate U.S.-made products into your offerings. They may have higher sticker prices but can offer stability and branding advantages.
  • Adopt Lean Inventory Practices: Use just-in-time inventory systems and smarter demand forecasting to avoid tying up cash in overstocked, high-tariff goods.

These tactics won’t eliminate risk but they will give your business more control in an unpredictable environment.

How Inland Marine Insurance Helps You Handle Texas Small Business Tariffs

When importing goods or managing a mobile inventory, there’s one more step you can take to shield your business: Inland Marine Insurance.

Unlike standard property policies, Inland Marine Insurance covers:

  • Goods in transit
  • Inventory stored offsite
  • High-value movable property

If a shipment is delayed, damaged, or stolen on its way to your retail floor, you’ll be glad to have this extra layer of protection. And in the current tariff climate, that peace of mind is worth its weight in gold. Schedule a time to talk to an agent and get the protection your business deserves

Stay Protected with Gild Insurance

While you can’t control international trade policy, you can control how you protect your inventory and manage your risk. At Gild Insurance, we specialize in helping small businesses like yours stay resilient through changing times—with insurance solutions that work the way you do.

Want to learn more?

👉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) Cyber Insurance Liability Insurance Marketing Consultant Workers' Compensation

Insurance for My Consulting Business: A Practical Guide

As a consultant, your expertise is your business. But even with the best advice and client relationships, unexpected challenges can put your reputation and revenue at risk. That’s where Gild Insurance comes in. We make it simple to find the right insurance for your consulting business, so you can stay focused on growth without second-guessing your coverage.

Whether you offer marketing, HR, IT, or financial consulting, every business needs a strong protection plan. Let’s walk through the must-have policies, real-world risks, and where Gild fits in.

Why Insurance for My Consulting Business Matters More Than Ever

You may not run a brick-and-mortar shop or carry physical inventory, but consultants face plenty of risk:

  • A dissatisfied client sues over poor results
  • A cyber breach compromises sensitive data
  • A contract dispute delays payment

Having insurance for your consulting business helps you manage these risks without draining your time or bank account. Gild offers tailored policies that cover both professional and general liability, with optional add-ons for cyber, workers’ comp, and more.

We recently covered this in our blog “Insurance for Marketing Consultants: Professional vs. General Liability Explained“, which highlights how both coverage types work together to protect your work and your wallet.

Key Coverages to Consider

Consulting businesses typically need a combination of the following:

At Gild, we walk you through each option and tailor a quote based on your business model, industry, and state requirements.

Common Consulting Risks You Can’t Ignore

When you’re running a consulting business, risk doesn’t just look like lawsuits. It also shows up in:

  • Miscommunication on deliverables
  • Data loss from tech failure
  • Compliance issues in client industries

If you use subcontractors, work across state lines, or handle confidential info, your exposure grows. Insurance for your consulting business helps absorb the legal and financial fallout from these scenarios, so a single misstep doesn’t derail your progress.

Partner Spotlight: Rocket Lawyer for Contract Clarity

Great insurance pairs well with strong contracts. That’s why Gild partners with Rocket Lawyer, giving our clients access to affordable legal support for creating clear service agreements, confidentiality clauses, and dispute resolution terms.

Protect your business by combining the right legal language with the right insurance coverage.

Get Started with Gild in Three Easy Steps

  • Get a Quote Online – Answer a few questions and receive a quote tailored to your consulting business.
  • Review and Customize – Choose the policies that make sense for your work and risk level.
  • Stay Protected – Update coverage as your business grows. Gild makes it easy to adapt.

Running a consulting business comes with enough challenges—insurance shouldn’t be one of them. Whether you’re a solo advisor or managing a team, Gild makes it easy to find the right protection without wasting time or overpaying. From professional liability to cyber and general coverage, we help you stay focused on what matters most: delivering results for your clients.

Ready to protect your practice? Get a free quote today and discover how easy it is to secure insurance for your consulting business.

Categories
Insurance Small Business General Tariffs

California Retailers: How to Stay Afloat with Tariffs

The Liberation Day tariffs are reshaping the retail landscape—and for California retailers, the impact is immediate. Rising import costs, shipment delays, and shrinking margins are hitting businesses from all sides, from e-commerce giants to boutique apparel shops.

According to the Office of the United States Trade Representative, approximately 40% of U.S. containerized imports move through California ports, with China accounting for $144 billion in trade through the state in 2023 (USTR). The result? California retailers tariffs are now driving up product prices by 10–30%, slowing shipments by weeks, and forcing urgent changes to sourcing, pricing, and supply chain strategies.

At Gild Insurance, we help retailers adapt to uncertainty with smarter protection strategies, flexible insurance coverage, and practical business guidance. Below, we break down the risks California retailers face and what you can do to stay ahead.

How California Retailers Tariffs Are Disrupting the Supply Chain

Real-time data shows California retailers are being squeezed from both ends: rising import costs and declining consumer spending. Here’s how it’s unfolding:

  • Heavy import reliance: The Ports of Los Angeles and Long Beach handle over 40% of U.S. containerized imports, making California retailers especially vulnerable to global trade disruption (LAEDC).
  • Industry vulnerability: Tariffs on key goods like apparel and electronics are driving up costs significantly. According to the Consumer Technology Association, tariffs could raise laptop and tablet prices by up to 46%, and smartphones by 26%. Apparel has seen price increases of over 17% in some categories (CTA, Yale Budget Lab).
  • Cash flow risk: SBA data shows 20% of small firms have fewer than 90 days of cash reserves, putting them at risk of insolvency by Q3 2025 if cost pressures continue (SBA).
  • Port delays: Ongoing congestion at California’s major ports is contributing to 2–4 week shipment delays—disrupting just-in-time inventory strategies and consumer satisfaction.

California retailers tariffs aren’t just economic headlines. They’re already affecting stock, pricing, and operational stability across the state.

Why Retailers Must Act Now to Stay Competitive

Tariffs aren’t going away anytime soon. They’re part of a broader global trend toward protectionism. If California retailers don’t adapt quickly, they risk:

  • Squeezed profit margins due to higher input costs
  • Lost customers as prices rise or products go out of stock
  • Operational downtime from shipment delays or supplier issues
  • Greater exposure to legal or reputational risk from product issues or missed delivery windows

Adaptation isn’t optional; it’s critical. California retailers must audit their sourcing, protect their cash flow, and build in safeguards now.

How Insurance Helps California Retailers Weather Tariff Fallout

Insurance isn’t just a backup plan—it’s a proactive risk solution. Gild Insurance helps California retailers stay resilient in turbulent markets with coverage tailored to your industry. Recommended policies include:

🔗 Schedule a time with a Gild agent to audit your policies and see how you could save up to 20% while reinforcing your protection.

🔗 Get an online quote today and see how fast and affordable smart coverage can be.

Smart Strategies for California Retailers Facing Tariff Disruption

To stay afloat in the face of rising California retailers tariffs, small business owners should:

  • Source smarter: Shift to partners in Mexico, Canada, or Vietnam where possible.
  • Consolidate inventory: Negotiate better terms with bulk domestic suppliers.
  • Pivot to service models: Offer customization, repairs, or faster local fulfillment.
  • Audit import exposure: If 30% or more of your inventory comes from tariffed countries, prioritize diversification.
  • Leverage insurance: Use coverage to buffer supply chain, liability, and revenue risks.

Gild can help you implement these tactics quickly and confidently.

Partner Resources to Reduce Costs and Risk

Gild collaborates with trusted providers to help retailers build resilience:

  • Rocket Lawyer – Simplify annual reporting and stay on top of required tax filings
  • RangeMe – Find vetted, tariff-exempt suppliers in North America
  • Envision Payroll – Cut back-office costs with scalable payroll solutions
  • Owners Bank – Access funding to cushion against cost increases or shipment delays

These partnerships offer immediate tools to offset tariff fallout.

Protect What You’ve Built

California retailers face a tough road ahead—but with the right strategy, you can stay ahead. From insurance to smarter sourcing and partner support, Gild is here to help you navigate the shifting trade landscape. 

👉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