Category: Business Insurance

Running a nonprofit is a labor of love that comes with real risk. From organizing events and managing donations to coordinating volunteers, nonprofits face many of the same liabilities as traditional businesses but often with fewer resources. That’s where nonprofit liability insurance from Gild Insurance makes a difference. The right coverage protects your mission, team, and operations from unexpected legal and financial challenges. Gild makes it easy to find and secure insurance tailored to your organization, so you can stay focused on making an impact.

What Is Nonprofit Liability Insurance?

Nonprofit liability insurance is designed to shield organizations from the financial fallout of accidents, injuries, or lawsuits that occur during day-to-day operations. It typically includes coverage for:

• General Liability – Covers bodily injuries or property damage caused by your nonprofit’s activities, events, or premises.
• Directors and Officers (D&O) Liability – Protects board members and executives from personal liability related to management decisions.
• Professional Liability – Offers protection if your nonprofit provides counseling, advice, or other services that could lead to claims of negligence.
• Employment Practices Liability (EPLI) – Covers claims of wrongful termination, harassment, or discrimination.

If your nonprofit relies on volunteers, hosts public events, or operates in a rented space, these coverages are essential for minimizing exposure and keeping your mission moving forward.

Why You Need Nonprofit Liability Insurance

Even with the best intentions, accidents happen. A slip and fall at a fundraiser, a claim of mismanagement, or a misunderstanding with a client could turn into a costly legal situation. Without insurance, your organization may be forced to divert funds away from programming or, worse, shut down entirely.

Here’s how nonprofit liability insurance supports your team:

• Protects your volunteers: Liability insurance can extend coverage to volunteers, reducing their personal risk while they’re serving your cause.
• Safeguards your leadership: Board members and officers can be held personally responsible for decisions they make. D&O coverage helps attract and retain qualified leaders by giving them peace of mind.
• Enables growth and compliance: Many grant providers and property owners require proof of insurance before funding your work or signing a lease. The right coverage helps open doors while keeping your nonprofit compliant.

How Much Does Nonprofit Liability Insurance Cost?

The cost of nonprofit liability insurance depends on factors like the size of your organization, the types of services you offer, the number of employees and volunteers, and your annual revenue. This is dependent on the type of business and coverage options, but, generally between $500 – $1000, annually. Questions such as pricing and more can be found on our FAQ page.

How Gild Insurance Supports Nonprofits

At Gild Insurance, we understand the unique needs of nonprofits. Our digital platform makes it easy to find, compare, and customize coverage that fits your organization’s size, structure, and mission. And when property damage strikes, from a fire in your office to a storm-damaged community center, Gild’s Claims Concierge is here to help. This service streamlines the property claims process and helps you get back to serving your mission faster.

Final Thoughts

Your nonprofit works hard to make a difference. Don’t let unexpected risks stand in the way. With the right nonprofit liability insurance, you can protect your people, your mission, and your future.

Let Gild Insurance help you find the coverage you need. Whether you’re just starting out or scaling up, our team is here to support you every step of the way.

When you think about job site risks as an electrical contractor, physical hazards like electrical shocks or falling tools likely come to mind. But there’s another threat that’s becoming harder to ignore which is cyberattacks. From compromised client data to ransomware holding your business hostage, cyber threats can disrupt your operations and drain your finances. That’s why cyber coverage with Gild Insurance is a critical component of modern electrical contractor insurance.

What Is Electrical Contractor Insurance?

Electrical contractor insurance is a bundle of coverages designed to protect electricians and electrical contracting businesses from a range of risks. These policies typically include general liability insurance, workers’ compensation, tools and equipment coverage, and can be customized with add-ons like professional liability and cyber insurance.

Whether you’re a solo contractor or managing a growing team, electrical contractor insurance ensures you’re covered in the event of injuries, property damage, lawsuits, or digital threats.

Why Cyber Threats Are a Growing Concern in Electrical Contractor Insurance

Cyber risks are no longer exclusive to tech companies. Contractors now rely on digital tools for everything from invoicing and payroll to client communication and project bids. If your systems are breached, the fallout can include:

• Stolen customer information
• Business interruption due to locked systems
• Financial loss from wire fraud or phishing scams
• Reputational damage from exposed data

Even small businesses are targets. Hackers often see them as low-hanging fruit with fewer defenses. Cyber liability insurance helps electrical contractors respond quickly and recover without shouldering the full financial burden.

Cyber Insurance Benefits as Part of Electrical Contractor Insurance Coverage

When added to your electrical contractor insurance plan, cyber insurance protection typically helps cover:

• Data Breach Response – Notifying affected clients, providing credit monitoring, and managing PR after a breach.
• Legal Costs – Defending your business against lawsuits related to lost or exposed data.
• Business Interruption – Replacing lost income if a cyber event shuts down your systems.
• Cybercrime Losses – Covering losses from wire fraud, phishing, or ransomware attacks.

By including cyber protection in your insurance plan, you’re not only protecting your digital assets; you’re protecting your reputation and financial future.

Building a Strong Electrical Contractor Insurance Strategy with Cyber Protection

Cyber coverage is a natural extension of the protection we’ve outlined in previous blogs, including:

• General Liability Insurance (see: Essential General Liability Insurance for Electrical Contractors) – Protects against physical damage or injury claims.
• Workers’ Compensation (see: Electrical Contractors Insurance and Workers’ Compensation) – Covers on-the-job injuries.
• Professional and Tools Coverage (see: What to Look for in Business Insurance for Electrical Contractors) – Safeguards your equipment and work.

Together with cyber coverage, these policies create a well-rounded shield for your business. Gild Insurance makes it easy to build a plan that’s complete, flexible, and tailored to your needs.

Why Gild Insurance Recommends Cyber Coverage

At Gild Insurance, we stay ahead of emerging risks so you can focus on your work. We recommend adding cyber coverage to your electrical contractor insurance plan because today’s job sites aren’t just physical, they’re digital too. We’ll help you assess your risk and create a policy that includes the right level of cyber protection without overpaying for what you don’t need.

Protect Every Part of Your Business

As technology becomes more essential to how electrical contractors operate, the need for cyber coverage grows. Don’t wait for a breach to realize your business is exposed. Talk to Gild Insurance about upgrading your electrical contractor insurance with cyber protection today and take a proactive step toward securing your digital future.

Earth Day is more than just a calendar date. It’s a call to action for environmentally conscious businesses like yours. Whether you’re maintaining residential lawns or offering commercial landscaping services, your commitment to sustainability deserves the same level of protection as any other business. That’s where lawn care business insurance​ comes in to help.

At Gild Insurance, we understand the unique risks that lawn care professionals face. From property damage and equipment loss to customer injuries and employee accidents, the right insurance coverage keeps your business blooming year-round.

What Is Lawn Care Business Insurance?

Lawn care business insurance is a type of coverage designed to protect landscaping and lawn maintenance professionals from common risks, like property damage, injuries, or stolen equipment. It helps cover the costs of accidents, legal claims, or unexpected setbacks, so you can keep your business running smoothly.

This protection becomes especially important as your business grows and enters its busiest seasons.

Why You Need Lawn Care Business Insurance​

Spring is peak season for lawn care businesses, with increased demand and tighter schedules. But the more work you take on, the more you open yourself up to risk. A mower accidentally damaging a client’s irrigation system or a slip-and-fall incident on wet grass can quickly become costly liabilities.

Lawn care business insurance helps cover:

• General Liability – If a client claims property damage or personal injury.
• Commercial Property – For tools, equipment, and office spaces.
• Workers’ Compensation – To support employees injured on the job.
• Inland Marine Coverage – To protect equipment as it travels from site to site.

Protecting your people, your tools, and your reputation is just as important as delivering a beautiful final product.

Planting Seeds for Long-Term Business Growth

Like sustainable landscaping, smart insurance is an investment in your future. Policies tailored to lawn care operations help keep your business steady through unexpected storms, both literally and financially.

As your business expands, adding new clients, services, or seasonal workers, the risks grow too. Equipment gets more expensive, job sites get more complex, and your responsibility to customers increases. Having the right coverage in place means you can scale with confidence, knowing you’re protected every step of the way. For more ways to protect your business, check out our blog, “The Essential Guide to Business Insurance.”

Let Gild Help You Grow Responsibly with Lawn Care Business Insurance​

Running an eco-conscious lawn care business takes more than a green thumb. It requires foresight, planning, and the right protection. Gild Insurance makes it easy to find the right lawn care business insurance plan. So you can get back to doing what you do best: making the world a little greener, one yard at a time.

Ready to protect your green business this Earth Day? Connect with Gild Insurance today and let’s grow something great together.

If you’re a handyman tackling repairs, installations, or maintenance work, you know no two jobs are the same. One day you’re fixing a leaky faucet, the next you’re patching drywall or rewiring an outlet. With every new task comes the potential for risk: property damage, injury, or even legal trouble. That’s why having handyman liability insurance isn’t just a smart move. It’s essential.

At Gild Insurance, we specialize in helping independent contractors and small business owners like you get the protection you need to work confidently and build your business without worry.

What Is Handyman Liability Insurance?

Handyman liability insurance is designed to cover the specific risks that come with hands on work. It helps protect you from financial loss if an accident, injury, or property damage occurs on the job. As part of a broader business insurance plan, it gives independent contractors and small repair businesses the coverage they need to operate with confidence.

What Does Handyman Insurance Cover?

Because no two jobs are the same, handyman liability insurance includes multiple protections to help cover the risks you face on and off the job site. Coverage typically includes:

• General Liability – Covers third party bodily injury and property damage. If you accidentally damage a client’s floor while moving equipment or someone trips over your tools, you’re covered.
• Completed Operations – Protects you after the job is done. If a repair fails and causes damage later, this coverage can help with legal and repair costs.
• Product Liability – Important if you install parts or materials that might malfunction or cause harm.
• Tools and Equipment Coverage – Optional protection for the gear you rely on every day.

Accidents happen, even when you’re careful. Liability insurance ensures you’re not paying out of pocket when something goes wrong.

One Job Could Change Everything

Whether you’re working solo or managing a small team, it only takes one incident to derail your business. Without insurance, a single claim could cost thousands in legal fees, medical bills, or property repairs. Worse, it could damage your reputation.

Having handyman liability insurance helps you:

• Win more business by proving you’re credible and insured
• Protect your finances in the event of an accident or lawsuit
• Focus on growing your business without fear of the “what ifs”

How Much Does it Cost?

 One of the most common questions we hear is, “How much does handyman liability insurance cost?” The good news is that it’s often more affordable than you might think. 

General liability coverage, on average, typically costs between $250 and $500 per year. However, pricing can vary based on factors like the type of work you do, your claims history, and your location. For riskier work, such as jobs that overlap with construction, costs can reach up to $1,000 annually.  Questions such as pricing and more can be found on our FAQ page.

No matter where your work falls on the risk scale, Gild Insurance makes it easy to get a personalized quote that fits your budget and coverage needs. 

Gild Contractor Network: Built to Support Your Business

When you’re insured through Gild, you’re not just getting coverage—you’re joining a network of trusted professionals. The Gild Contractor Network connects handymen and contractors with homeowners and businesses looking for reliable, insured help. Whether you’re looking to grow your client base or build long-term partnerships, being part of our network can open new opportunities and set you apart from the competition. It’s one more way Gild supports your business beyond the policy.

Get Handyman Liability Insurance Today with Gild

The best time to get coverage is before you need it. Whether you’re patching a ceiling, installing fixtures, or troubleshooting a leak, Gild Insurance makes it easy to get the handyman liability insurance that fits your needs and budget.

Ready to protect your business?
Get a fast, personalized quote from Gild Insurance and get back to doing what you do best.

Running an HVAC business comes with its fair share of risks. From job site hazards to physically demanding work, HVAC professionals operate in environments where injuries can happen in an instant. That’s why a solid HVAC contractor insurance plan isn’t complete without workers’ compensation coverage.

At Gild Insurance, we build policies that truly protect the people behind the tools. Workers’ comp is a must-have for any contractor with employees, and in this blog, we’ll explain why it matters, how it fits into your broader coverage plan, and how we can help you keep your business secure and compliant.

What Is HVAC Contractor Insurance?

HVAC contractor insurance is a bundled insurance plan designed to protect heating, ventilation, and air conditioning professionals from a wide range of risks. A complete plan typically includes:

• General Liability Insurance – Covers third-party injuries and property damage.
• Tools & Equipment Coverage – Protects your business’s essential gear from loss or damage.
• Business Interruption Insurance – Helps replace lost income if you can’t operate due to a covered event.
• Workers’ Compensation Insurance – Covers medical expenses and lost wages if employees are injured on the job.

Each piece works together to form a complete safety net for your business, and workers’ compensation is one of the most important components.

For more on protecting your gear and operations, check out our blog, “Protect Your Tools and Business with HVAC Contractors Insurance,” and for liability-specific risks, our blog, “HVAC Liability Insurance: Protect Your Business with Confidence.”

The Role of Workers’ Comp in HVAC Contractor Insurance

Workers’ compensation provides financial support if an employee suffers a job-related injury or illness. In a high-risk industry like HVAC, it’s a critical safety net that benefits both your team and your bottom line.

Here’s how workers’ comp protects your HVAC business:

• Covers Medical Costs and Lost Wages – If an employee is injured while lifting heavy equipment or working in tight spaces, workers’ comp covers hospital bills and recovery time.
• Reduces Legal Exposure – This coverage can protect you from lawsuits by offering benefits upfront to injured employees.
• Ensures State Compliance – Most states legally require workers’ comp if you have employees. Carrying it helps you avoid penalties and fines.

How Much Does HVAC Contractor Insurance Cost?

The cost of HVAC contractor insurance varies based on the size of your business, your claims history, and the coverages you choose. Workers’ compensation rates are often calculated based on your payroll and the level of risk associated with the work performed. At Gild Insurance, we help HVAC professionals find competitive rates while ensuring they meet all state compliance requirements. Get a custom quote today!

Real-World Support from Gild Insurance

At Gild, we understand that insurance isn’t one-size-fits-all, especially in a high-risk field like HVAC. According to the U.S. Bureau of Labor Statistics, HVAC workers experience nearly twice as many injuries as the average private industry worker (2024). That’s why we don’t just sell policies—we build protection plans around the real-world risks you face. 

Build a Safer HVAC Business with Gild Insurance

As your business grows, so do your risks. Gild Insurance is here to help you stay ahead of them. With a complete HVAC contractor insurance plan that includes workers’ compensation, you can focus on the job knowing your team and your business are covered.

Contact Gild Insurance today to learn how we can customize your coverage and support your HVAC business every step of the way.