Category: Liability Insurance

Categories
Business Owners Policy (BOP) Lawn Care Liability Insurance

Earth Day Ready: Protect Your Green Business with Lawn Care Business Insurance​

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:

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.

Categories
Handyman Liability Insurance

One Job Away from Risk? Get Handyman Liability Insurance

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.

Categories
HVAC Liability Insurance Workers' Compensation

Your HVAC Contractor Insurance Plan

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:

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.

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

Food Trailer Insurance: What Every Food Truck Owner Needs to Know

Food trailer insurance is one of the most important investments you can make as a food truck owner. Your mobile kitchen isn’t just a vehicle. It’s your livelihood. And while the food truck business brings freedom and flexibility, it also comes with a unique set of risks. From fender benders on the way to an event, to kitchen fires or customer slip-and-falls, the unexpected can hit fast.

That’s why having the right insurance matters. Gild Insurance is here to help you protect what you’ve built with coverage designed specifically for food trailers and mobile food vendors. Whether you’re just launching your first truck or expanding your fleet, we’ll help you find the right protection so you can focus on doing what you love, which is serving great food and growing your business.

What Is Food Trailer Insurance?

Food trailer insurance protects mobile food vendors from the unique risks they face while operating on the road and at events.It typically includes a mix of coverages, like general liability, commercial auto, and property protection, to safeguard both your equipment and your operations.

It’s important to understand the difference between food trailers, food trucks, and food carts. Food trailers are mobile kitchens towed by another vehicle and parked on-site while food trucks are self-driving and fully integrated. Food carts are smaller, often pushed or pulled manually, and usually operate in more compact spaces. While each setup comes with its own challenges, they all need some level of protection.

Whether you’re running a full-time mobile kitchen, setting up shop part-time at weekend pop-up markets, or serving crowds at seasonal festivals and fairs, food trailer insurance is essential. If you rely on your trailer to cook, sell, or prep food you should have coverage in place to protect yourself, your customers, and your business.

Why Food Trailer Insurance Matters

Unlike traditional brick-and-mortar restaurants, food trailers and trucks are mobile, making them vulnerable to different types of incidents, both on and off the road. Without the right insurance in place, one unexpected event could lead to significant out-of-pocket costs, legal trouble, or lost business.

Just like we covered in our blog on restaurant insurance basics, the food industry is filled with variables that are hard to control. For food trailer owners, that list grows even longer: inclement weather, equipment malfunctions, street closures, and vehicle accidents can all disrupt operations. That’s why having food trailer insurance tailored to your mobile business is a must.

What’s Typically Included?

While every business is different, food trailer insurance usually includes a combination of the following coverages:

1. Commercial Auto Insurance: Since your trailer is part of a moving vehicle, this is a non-negotiable. It helps cover accidents, vehicle damage, and liability on the road.

2. General Liability Insurance: Protects your business if a customer is injured, food causes illness, or you’re held responsible for property damage while operating.

3. Property Coverage: From cooking equipment to point-of-sale systems, property insurance helps you recover if items are stolen, vandalized, or damaged. For claims related to property loss, Gild’s Claims Concierge can help streamline the process and reduce downtime; getting you back on the road faster.

4. Inland Marine Insurance: Don’t let the name throw you off. This coverage protects your food trailer and equipment while it’s in transit or parked at events.

5. Workers’ Compensation Insurance: If you have employees helping with prep, cooking, or customer service, this coverage is crucial. It helps cover medical costs and lost wages if someone gets hurt on the job.

6. Business Interruption Insurance: If your trailer is temporarily out of service due to a covered claim, this can help cover lost income while you’re getting back up and running.

Choosing the Right Insurance Partner

No two food trailers are the same. And your insurance coverage shouldn’t be either. At Gild Insurance, we help you find policies tailored to your needs, risks, and goals. Your coverage should move with you, whether you’re parked outside a brewery or catering a wedding.

Start Protecting Your Food Trailer Today

Your food trailer is more than a business; it’s your brand on wheels. Don’t let one incident sideline your growth. Whether you’re new to the industry or a seasoned food truck pro, Gild Insurance can help you protect your investment with the right food trailer insurance plan.

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

Bakers Insurance: How to Protect Your Shop from Liability Risks

Running a bakery is equal parts passion and precision, from crafting the perfect sourdough to managing early morning rushes. But behind the sweet storefront lies a hot oven of risk, especially when it comes to liability. Whether you’re managing a small-town bake shop or a bustling urban patisserie, one mishap can put your hard work at stake. That’s why having the right bakers insurance isn’t optional… it’s essential.

At Gild Insurance, we specialize in helping food service businesses navigate the risks that come with running a customer-facing business. Liability claims, property damage, or employee injuries can quickly eat into your profits if you’re not prepared. Let’s explore how bakers insurance can help shield your shop and why Gild should be your go-to partner.

Let’s explore how bakers insurance can help shield your shop and why Gild should be your go-to partner. 

What Is Bakers Insurance?

Bakers insurance is a specialized type of business coverage designed to protect bakery owners from the everyday risks associated with food production, retail, and hospitality. This insurance typically includes:

  • General Liability Insurance – Covers customer slip-and-fall incidents, foodborne illness claims, and damage caused by your business operations.
  • Commercial Property Insurance – Protects your physical shop, ovens, mixers, and display cases from fires, water damage, or theft.
  • Product Liability Insurance – Essential if a customer becomes sick from a product you’ve sold or alleges a food allergy incident.
  • Workers’ Compensation – Required in most states, this helps cover medical costs and lost wages if an employee gets injured on the job.

Each bakery is unique, and your policy should be, too. That’s where Gild steps in.

What Does Bakers Insurance Cover?

Even a simple accident, like a customer slipping on a spilled coffee or a delivery driver getting hurt in your kitchen, can lead to expensive legal claims. That’s where general liability coverage comes in to protect your business. It helps cover medical expenses, legal fees, and potential settlements so you can stay focused on what you do best: running your bakery.

Now that you understand what bakers insurance covers, you might be wondering what it actually costs. 

Bakers Insurance Costs

The cost of bakers insurance can vary based on factors like your bakery’s location, size, annual revenue, number of employees, and the types of coverage you need. On average, most bakery owners can expect to pay anywhere from $500 to $2,000 annually for a policy that includes general liability and property coverage. If you add workers’ comp, cyber insurance, or business interruption protection, your premium may be higher, but so is your level of protection.

At Gild Insurance, we help bakery owners find policies that fit both their budget and their risk profile. Whether you’re just starting out or expanding your shop, we make it easy to compare options and only pay for what you actually need. Get a custom quote from Gild Insurance today!

Don’t Forget Property Protection

Your ovens, refrigeration systems, and custom bakery cases are critical to daily operations. A burst pipe or electrical fire could force you to close your doors, possibly for weeks. With Gild’s Claim Concierge service, you’re not navigating that alone.

If a covered property claim arises, Gild’s Claims Concierge offers white-glove support to help expedite the process, from filing the claim to coordinating repair services. We know your priority is getting back to baking and we’ll handle the paperwork and advocate on your behalf.

Additional Coverage Options Worth Considering

Depending on your bakery’s setup, you may also benefit from:

Partnering Beyond Insurance

At Gild, we believe in supporting your business holistically. That’s why we’ve partnered with:

  • Rocket Lawyer – Get access to legal help for tax filings, annual reports, or compliance questions—an easy win for seasonal bakery owners who need to stay organized.
  • Envision Payroll – Streamline staff payments, manage employee hours, and reduce payroll errors. Perfect for early-morning crews and weekend shifts that fluctuate with demand.

Running a bakery means juggling recipes, customers, and cash flow. Gild helps you manage the risks that come with it.

Protect Your Bakery with Gild Insurance

Whether you’re baking bagels at dawn or decorating cakes at midnight, the right insurance policy keeps your business rising. With tailored bakers insurance solutions, helpful partner tools, and hands-on claims support, Gild is the partner your bakery deserves.

Don’t leave your bakery exposed. Get a fast, customized quote from Gild Insurance today.

For additional reading, check out our blogs: “The Most Common Liability Claims for Bakery Owners,” and “Sweeten the Deal: Essential Bakery Insurance.”