Month: June 2025

Categories
Electrician Liability Insurance Workers' Compensation

Invest in Insurance For Electricians

Electricians face unique workplace challenges daily, from handling live wires to working in tight, hazardous spaces. If you’re wondering how to stay safe as an electrician, the answer starts with preparation and protection. Safety is paramount in this line of work, but even with rigorous precautions, accidents can happen. That’s why having the right electrician insurance is critical for protecting your business and ensuring peace of mind. At Gild Insurance, we specialize in helping electricians safeguard their operations with tailored coverage like liability insurance for electricians, so you can focus on the job without unnecessary worries.

How to Stay Safe as an Electrician: 6 Must-Know Tips

1. Invest in Insurance For Electricians

While safety practices are essential, electrician insurance acts as a financial safety net when accidents occur. Policies like general liability insurance for electricians can protect you from costly claims related to property damage or injuries caused on the job. For personalized advice, Gild Insurance offers customized plans to ensure you’re fully covered.

2. Wear Proper Protective Gear

Equip yourself and your team with insulated gloves, safety goggles, and flame-resistant clothing to minimize injury risks. Always double-check your gear before starting a project, as worn-out equipment can compromise your safety. For specific guidance, refer to OSHA’s Personal Protective Equipment standards to ensure you’re meeting regulatory requirements.

3. Practice Lockout/Tagout Procedures

One of the most effective ways to prevent electrical accidents is by following lockout/tagout protocols. De-energize equipment and clearly label circuits to protect against accidental power activation while working.

4. Stay Updated on Electrical Codes

Keeping up with the latest electrical codes and standards reduces the likelihood of errors. It also demonstrates professionalism, which can lower your liability risk. With proper training and electrician insurance in place, you’ll be prepared for any unexpected complications.

5. Inspect Tools Regularly

Defective tools are a major cause of workplace accidents. Conduct routine checks to ensure all tools are in proper working order. In case a tool malfunction causes damage or injury, having liability insurance for electricians can save you from financial stress.

6. Train Your Team

If you have a team of electricians, prioritize safety training. A well-trained crew is less likely to make errors that lead to accidents or liabilities. The Electrical Safety Foundation International (ESFI) offers free workplace safety resources to help you build a proactive safety culture. Plus, insurance providers like Gild Insurance can guide you toward risk mitigation strategies to complement your policy.

Partner with Gild Insurance for Electrician Insurance

Your safety is our priority at Gild Insurance. From liability insurance for electricians to coverage tailored specifically for electrical contractors, we’re here to help you manage risks while growing your business. Don’t wait for an incident to realize the importance of robust insurance. Contact Gild Insurance today and protect what matters most with a custom quote today.

Categories
Insurance Small Business General Tariffs

Shop Small North Carolina: Why Local Makers Need You Now

North Carolina’s local makers are under pressure. From Black Mountain to Beaufort, artisans, retailers, and craftspeople are doing more with less; facing higher supply costs, smaller margins, and stiff competition from national and online brands.

At Gild Insurance, we see what’s at stake. These aren’t just businesses. They are the soul of North Carolina’s communities. If we don’t act now to support and protect them, we risk losing the creative energy and local character that makes this state thrive.

That’s why it’s more important than ever to shop small North Carolina and to understand what these makers are really up against.

Shop Small North Carolina to Keep Local Businesses Thriving

Nearly 99.6% of all North Carolina businesses are small businesses, according to the U.S. Small Business Administration. But many of these shops, especially locally made brands, are at risk.

Here’s why:

  • Tariff hikes on imported materials like textiles, metals, and ceramics are raising costs for artists, crafters, and manufacturers across the state.
  • Small businesses don’t have the same bulk-buying power or storage capacity as national chains, making cost fluctuations harder to absorb.
  • Local economic activity is directly tied to small business spending. For every $100 spent at a local business, $68 stays in the community (Forbes).

If we want to keep the heart of North Carolina’s economy beating, we must shop small North Carolina and invest in the makers who power our communities.

To help small businesses respond to rising costs and operational strain, Gild created the free Survive Tariffs Runbook. This downloadable guide is packed with practical tips, cost-saving strategies, and insurance insights tailored for makers and retailers navigating today’s volatile market. From sourcing alternatives to managing shipping risks, the Runbook gives local business owners the tools to adapt without losing momentum.

Why Tariffs Are Squeezing North Carolina Makers

The most recent round of U.S. tariffs, set to take effect in 2024 and 2025, is hitting product categories that impact thousands of local retailers and artists:

  • Toys and children’s goods
  • Textiles and apparel
  • Kitchenware, ceramics, and home décor
  • Tools and industrial parts

Without action, more independent shops and makers will be priced out of their markets. The best protection? At Gild Insurance, we believe that it is a combination of smart financial planning, localized supply strategies, and business insurance designed to minimize disruption.

How Gild Insurance Helps Local Makers Stay in Business

Tariffs and supply chain disruptions aren’t just budget issues. They’re business continuity risks. If a shipment is delayed, damaged, or stolen, many small shops can’t afford the hit.

Gild Insurance helps North Carolina makers plan ahead with:

If something does go wrong, Gild’s Claims Concierge is ready to help fast-track your recovery—whether you’re repairing storm damage, handling a property loss, or navigating a customer claim.

Protect What You’ve Built Before It’s Too Late

Whether you’re a maker or a supporter of local businesses, your choices matter. Small shops shape our neighborhoods, create jobs, and preserve the creative spirit that makes North Carolina unique. But they can’t do it alone. Here is what you can do to help:


✅ Support your local shops this season

📘 Download the Survive Tariffs Runbook to start implementing smarter cost strategies and prepare for pricing instability before it impacts your bottom line

📞 Schedule a call with a Gild Insurance agent today or get your quote online in minutes. Don’t wait until another shipment is delayed or a claim derails your business. Protect it now.

Categories
Small Business General

Why Support Father Owned Businesses? Gild Is Leading the Way

From small-town auto shops to multi-generational construction firms, father-owned businesses are the backbone of local economies. These businesses aren’t just sources of income; they’re legacies in motion. They reflect years of hard work, dedication, and values passed from father to family. So, when Father’s Day rolls around, the question isn’t just what to buy. The question is, why support father owned businesses?

At Gild Insurance, we believe the answer is simple. It’s because these businesses support all of us. That’s why we’re proud to back father-owned companies with tailored protection, fast claims support, and resources that help them grow for generations to come.

Why Support Father-Owned Businesses? Legacy, Leadership, and Livelihood

Father-owned businesses aren’t just part of the economy. They’re pillars of it. They represent hands-on leadership, years of experience, and a deep-rooted commitment to building something lasting. When you ask why support father owned businesses, the answer lies in the values they embody: mentorship, stability, and generational growth.

These businesses take many forms:

  • A father and son running a plumbing company
  • A dad managing a growing restaurant
  • A tradesman teaching his child the ropes of the business

Supporting them means championing local expertise, community investment, and families who put everything on the line to succeed.

Supporting Father-Owned Businesses Year-Round

Too often, support spikes during holidays and then fades. But why support father owned businesses only seasonally when their impact is felt year-round?

Here’s why long-term support matters:

  • Economic stability: Most small businesses have fewer than 20 employees, and father-led businesses often serve as anchors in their communities.
  • Generational wealth: These businesses help families build assets and create opportunities for future generations.
  • Workforce development: Father-owned businesses train new workers and pass down industry knowledge in trades, retail, and professional services.

When you support a father-owned business, you’re doing more than buying a product; you’re investing in a legacy.

How Gild Supports Father-Owned Businesses

At Gild, we know that protecting what you’ve built is personal. That’s why we offer insurance solutions tailored specifically for father-owned businesses, whether you’re in construction, consulting, retail, or food service.

Here’s how we help:

It’s not just about selling insurance. It’s about providing tools that allow father-owned businesses to thrive.

From the Garage to the Boardroom: Real Support for Real Risks

Father-owned businesses face real challenges every day:

  • Injuries on a job site
  • Property damage from unexpected weather
  • Customer lawsuits or contract disputes

That’s where Gild Insurance steps in. We’ve helped father-owned shops rebuild after floods, contractors bounce back from client claims, and family-run businesses recover from vandalism or theft. Through our Claims Concierge service, we connect business owners with fast, reliable support to help them recover quickly because we understand the urgency and the legacy at stake.

Celebrate and Support the Fathers Who Built It

This Father’s Day, we’re not just celebrating dads; we’re standing with them. If you’re wondering why support father owned businesses, remember this: they’ve built more than storefronts. They’ve built communities, careers, and futures.

Gild Insurance is proud to support those who lead with both heart and hustle. We’re here to help you protect what you’ve built, so you can pass it on.

Ready to Protect Your Business Legacy?

Get a quote online or schedule a call with a Gild agent today.

Your family’s future is worth it.

Categories
Claims Concierge Insurance Small Business General

Tornado Preparedness Tips Supported by Gild’s Claims Concierge

Tornado season doesn’t wait, and when one hits, you may only have minutes to react. These powerful storms can tear through communities with little warning, leaving behind shattered buildings, lost inventory, and halted operations. That’s why preparation isn’t optional; it’s essential.

In this blog, we’re sharing the tornado preparedness tips every business owner needs now, plus how Gild’s Claims Concierge can help you recover faster if disaster strikes. Our support is fast, personal, and free even if you’re not currently insured with Gild.

Why Tornado Preparedness Requires a Different Plan

Unlike hurricanes or snowstorms, tornadoes can touch down with almost no warning. The aftermath is often total: damaged roofs, shattered windows, and complete business shutdowns.

According to the National Weather Service, tornadoes cause more than $10 billion in damage annually. Business owners must prepare not only to survive the storm—but to recover quickly afterward.

That’s why combining tornado preparedness tips with Gild’s Claims Concierge makes all the difference.

Tornado Preparedness Tips Every Business Should Follow

A solid plan doesn’t need to be complex. It just needs to be ready.

Here are the essentials:

  • Designate a safe room in your building and train staff to access it
  • Keep an offsite or cloud-based backup of all critical documents
  • Photograph your building, equipment, and inventory ahead of time
  • Store an emergency contact sheet in both print and digital form
  • Identify alternative work locations in case of major damage

These tornado preparedness tips can help reduce losses and stress. Especially when paired with a responsive claims strategy.

How Gild’s Claims Concierge Helps After a Tornado

Even with the best plan, recovery takes work, and most business owners aren’t equipped to handle it alone. That’s where Gild’s Claims Concierge steps in.

Here’s how it works:

Step 1: Sign Up for Claims Support and Tornado Preparedness Tips

Fill out a short form to contact a claims advisor who will guide you through your next steps. 

Step 2: We Handle the Hard Part

Gild works directly with your insurance company and adjusters, so you don’t have to.

Step 3: Immediate Action

Once your claim is approved, repairs begin, often before your insurance check arrives.

Step 4: Real-Time Updates

You’ll stay informed through the entire process via text, call, or email.

What Makes Our Tornado Claims Support Different

Most insurers make you navigate complex forms, vague timelines, and unresponsive service. Gild does it differently.

With Gild’s Claims Concierge, you get:

  • Fast, free help—available to non-policyholders
  • Pre-vetted contractors ready to start repairs
  • Claim advocacy to help prevent delays or underpayment
  • A personal point of contact from start to finish

We combine tornado preparedness tips with real recovery action, so you don’t face this alone.

Tornado Preparedness Tips Are Just the Start and We’ll Handle the Rest

No amount of preparation can stop a tornado, but it can drastically change the outcome. Gild’s Claims Concierge bridges the gap between damage and recovery, ensuring you have the tools and support to move forward.

Looking to prepare for more than just tornadoes? Check out our blog “Storm Preparedness Tips and Fast Support from Gild’s Claims Concierge,” for guidance on handling other seasonal risks.

Be Ready for the Next Tornado Before It Hits

When a tornado is in the forecast, it’s too late to start planning. At Gild, we make it easy to take action now—before disaster strikes.

📝 Sign up for Gild’s Claims Concierge to get fast, personalized support if your business is hit.

📞 Schedule a time to talk to a Gild agent about your current coverage and fill in any gaps before the next storm rolls through.

🚨 Ready to get a quote now? Click here.

We’re here to protect what you’ve built and help you rebuild when it matters most.

Contractor and Claims related program, products and services are provided by and through C-Setter, Inc., dba Claimsetter

Categories
Small Business General Workers' Compensation

Easy Workers’ Compensation Guide: Gild Edition

Workplace injuries aren’t just a big business problem. Whether you run a salon, a bakery, or a construction crew, accidents can happen fast and cost you even faster. That’s why every small business owner needs to understand the protections that come with workers’ comp. This Easy Workers’ Compensation Guide will walk you through what’s covered, how to get started, and how Gild Insurance helps you stay protected without the hassle.

Why This Easy Workers’ Compensation Guide Matters

Workers’ compensation insurance is a type of coverage that provides medical care, lost wages, and other benefits to employees who are injured or become ill due to a work-related incident. In return, it generally protects employers from lawsuits related to those injuries.

This system creates a safety net for everyone involved, helping your business stay compliant while giving employees the support they need to recover.

Even a minor slip or repetitive stress injury can lead to weeks of downtime and mounting medical bills. Workers’ compensation isn’t just a legal requirement in many states; it’s a financial lifeline for your business and your team.

With Gild Insurance, securing workers’ comp is simpler than ever. Our digital process lets you make an appointment with an agent, manage your policy easily, and access resources that help you create a safer workplace.

What’s Covered Under Workers’ Comp?

Workers’ compensation insurance offers five core protections for job-related injuries or illnesses:

  • Medical Expenses: From emergency care to surgery and rehab, workers’ comp pays for approved treatment so your employees can recover.
  • Lost Wages: If an injury keeps someone from working, coverage includes a portion of their regular pay.
  • Disability Benefits: Partial or total disability compensation helps support employees who can’t return to their role.
  • Rehabilitation: Includes physical therapy or training for new job duties.
  • Death Benefits: If the worst happens, workers’ comp supports surviving dependents and covers funeral costs.

Gild works closely with each client to help determine the right level of protection for your industry and risk level. Need help understanding state-specific rules? Our team’s got your back.

How to Get Workers’ Comp with Gild

This isn’t another paper trail nightmare. Follow these four quick steps to secure coverage:

  1. Check Your State’s Requirements: Most states require workers’ comp once you hire your first employee. Check your state’s laws, then talk to Gild and we’ll help you make sure your coverage meets local regulations without overpaying.
  2. Get a Quote Online: Our digital platform makes it easy. Answer a few quick questions and get matched with a workers’ comp policy tailored to your business.
  3. Implement Safety Protocols: Workers’ comp coverage helps when accidents happen, but prevention is still your best protection. Establish safety protocols, provide regular training, and make sure employees know how to respond to injuries—including those that may be less visible, like head trauma. Not sure where to start? Check out our blog on Concussion Protocol for Small Businesses for practical tips you can implement today
  4. Educate Your Team: Make sure employees know how to report injuries and when to seek care. This minimizes downtime and confusion if an accident occurs.

Ready to Protect Your Team? Let’s Get You Covered

Accidents happen—but you don’t have to be unprepared. This Easy Workers’ Compensation Guide is your reminder that protecting your business doesn’t have to be complicated or expensive.

At Gild Insurance, we make it fast and easy to get a workers’ comp policy tailored to your business size, industry, and budget. Whether you’re hiring your first employee or already have a growing team, we’re here to help you stay compliant, confident, and covered.

→ Start your quote today with Gild Insurance and protect what you’re building.