Category: Small Business General

How Do Tariffs Affect Small Businesses and Entrepreneurs and How to Respond Now

Post author By Heather
Post date May 21, 2025

The Liberation Day tariffs are here and for U.S. small businesses, the impact is immediate and personal. Rising household costs and skyrocketing business expenses are squeezing margins from both sides. Entrepreneurs are getting hit twice: at home and at work. From food trucks and retail shops to consulting firms and manufacturers, small business owners are feeling the pressure. How do tariffs affect small businesses and entrepreneurs? The short answer: financially, operationally, and strategically.

That’s why Gild Insurance created the Tariffs Runbook . A resource built specifically to help small businesses adapt, survive, and protect their operations during ongoing trade disruptions.

If you want practical strategies to stay ahead, cut costs, and safeguard your future, this guide is a must-read.

How Tariffs Affect Small Businesses and Entrepreneurs on the Ground

Real-time market data shows that the impact of tariffs is accelerating faster than many expected:

Import Dependency: States like California and Texas, source over 20% of small business inputs from now-tariffed countries. In industries like electronics and textiles, reliance can exceed 50%. (National Retail Federation, 2024)

Cash Flow Pressures: About 20% of U.S. small businesses have fewer than four months of cash reserves (Source: PYMNTS, 2025). Rising costs from tariffs and slowing consumer demand could push many to the brink by mid-2025 if conditions persist.

Supply Chain Disruptions: Port delays at major hubs like Los Angeles, Long Beach, and New York/New Jersey are affecting 10–20% of shipments, contributing to inventory shortages and delivery backlogs (Source: Seavantage, 2025).

These pressures aren’t theoretical, they’re happening now. The businesses that adapt early will survive and thrive.

Get the strategies you need inside the Tariffs Runbook — built for small business owners like you.

Why It’s Critical to Act Now

Tariffs aren’t a temporary problem; they’re part of a broader shift toward protectionism. Without a plan, small businesses risk:

Shrinking profit margins

Lost customer loyalty due to price hikes

Increased operational downtime

Greater vulnerability to supply chain disruptions

You don’t have to figure this out alone.
The Gild Tariffs Runbook helps you assess your exposure, rethink your supplier strategies, and protect your business with smart risk management moves.

What’s Inside the Tariffs Runbook (And Why You Need It)

The Tariffs Runbook offers actionable guidance without the fluff, including:

Insurance Risk Audit: How the right coverage shields your business from ripple effects like delays, lawsuits, and revenue loss.

State Level Risk Snapshots: Breaking down where tariffs will hit the hardest in 2025.

Risk Identification Checklist: Spot hidden tariff vulnerabilities across your supply chain.

Partner Resources: How Gild partners can help you reduce costs and give your business access to affordable services beyond insurance.

Don’t let tariff uncertainty catch you off guard. Download your Tariffs Runbook now.

How Gild Helps Beyond Tariffs: Partner Resources to Reduce Costs

Need help finding more savings beyond insurance? Gild works with vetted partners who offer real solutions:

Rocket Lawyer – Affordable legal help for renegotiating contracts or adding tariff clauses

RangeMe – Connect with domestic and tariff-exempt suppliers

Envision Payroll – Streamline back-office operations and reduce labor costs

Owners Bank – Smart financing options to weather short-term cash flow disruptions.

By leveraging these partnerships, small business owners can strengthen their operations, streamline expenses, and stay resilient—no matter how trade policies shift.

Protect What You’ve Built

You’ve worked too hard to let global trade shifts derail your success.

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

Business Owners Policy (BOP) Liability Insurance Small Business General Workers' Compensation

Protecting What She Built: How Gild Supports Mompreneurs

Post author By Heather
Post date May 9, 2025

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:

General liability insurance – for third-party claims like slip-and-falls
Professional liability insurance – for service-based businesses and freelancers
Business property insurance – to protect tools, equipment, or inventory
Workers’ compensation – if you have employees or part-time helpers

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.

Contractor Network Insurance Small Business General

How to Get Jobs as a Contractor with the Gild Contractor Network

Post author By Heather
Post date May 7, 2025

At Gild Insurance, we know that figuring out how to get jobs as a contractor is about more than just delivering great work. You also need to stay responsive, on time, and ready to take on new opportunities. But that’s not always easy—especially when insurance claims slow you down. The back-and-forth with adjusters, paperwork overload, and slow payments can hold your business back.

That’s why we created the Gild Contractor Network; a service built to simplify the insurance claims process for contractors like you. By handling the heavy lifting on claims, we help you focus on what matters: growing your business, delivering results, and winning your next job.

How to Get Jobs as a Contractor Without Delays

Every successful contractor knows that staying ready for the next opportunity is key. But when insurance claims create delays—whether it’s slow payments or material shortages—it can stop your momentum cold.

The Gild Contractor Network keeps you moving forward by managing claims from start to finish. With our help, you avoid:

Slow approvals or unclear payouts

Endless documentation and follow-ups

Project delays that cause you to turn down new work

When you remove these obstacles, you create the time and flexibility needed to land more jobs—and that’s the foundation of how to get jobs as a contractor.

The Gild Contractor Network: Your Key to Job Readiness

Success in contracting is about more than completing a project—it’s about being ready for the next one. The Gild Contractor Network makes that easier by giving you the support you need to keep working without interruptions.

Here’s what you get:

Guaranteed Weekly Payments – No more wondering when your check will arrive

Upfront Material Coordination – Materials ready before the work even begins

Labor Funding – We front labor costs to keep your crews active

Streamlined Communication – Our team deals with insurers and adjusters, so you don’t have to

Together, these advantages allow you to take on more jobs, respond faster to new opportunities, and stay ahead of the competition. That’s exactly how to get jobs as a contractor—again and again.

Quick Tips: How to Get Jobs as a Contractor

Landing consistent work takes more than craftsmanship—it takes speed, relationships, and a solid support system. While the Gild Contractor Network helps you stay job-ready by streamlining insurance claims, here are a few additional strategies that can help you secure more opportunities:

Build relationships with insurance carriers or adjusters who refer reliable contractors
Stay available and ready, with materials and crews prepped when opportunity strikes
Join networks like Gild that pay quickly and reduce claims-related friction—so you can take on more jobs with confidence

When you’re proactive, reliable, and backed by the right support, landing steady work becomes much easier.

We simplify the process so you can:

Keep your calendar full
Move quickly from one project to the next
Build trust with new and returning clients
Grow your business with confidence

That’s how to get jobs as a contractor—and keep them coming.

Join the Gild Contractor Network Today

Landing your next job shouldn’t be slowed down by insurance paperwork and payment delays. If you’re still figuring out how to get jobs as a contractor and build momentum, the solution starts with removing the obstacles in your way.

Join the Gild Contractor Network today to experience a faster, smoother, and more contractor-friendly way to handle insurance claims—so you can stay ready, stay working, and stay growing.

Claims Concierge Insurance Small Business General

Introducing Gild Claims Concierge: Your Guide Through the Insurance Claims Process

Post author By Heather
Post date March 24, 2025

Navigating an insurance claim can be overwhelming, whether you’re a business owner recovering from property damage or a homeowner dealing with an unexpected loss. That’s why Gild Insurance is introducing Gild’s Claims Concierge, a dedicated service designed to support both policyholders and those who haven’t partnered with us yet. Our dedicated team will provide expert guidance at every step of the claims process, helping you navigate complexities, ensuring transparency, and recovering faster.

Why Gild’s Claims Concierge?

At Gild, we believe insurance should work for you, not against you. When it comes to filing a claim, the process can quickly become overwhelming due to delays, confusing procedures, and extensive paperwork, adding stress to an already challenging situation. Gild’s Claims Concierge simplifies the process by providing real-time assistance, helping policyholders secure quicker payouts, and a trusted contractor on their behalf so they can focus on getting back to business or rebuilding their homes.

What You Can Expect

Personalized Support: Expert guidance tailored to individual claims, from filing to final resolution. Gild’s Claims Concierge works one-on-one with policyholders to answer questions, handle paperwork, and navigate complex claim situations.

Streamlined Claims Management: We take care of the paperwork and coordination, making the claims process smoother and faster. By ensuring all documentation is accurate and submitted promptly, we help avoid delays and keep everything moving forward.

Fast-Tracked Repairs & Rebuilds: Access a trusted network of contractors, claims preparers, and materials providers to accelerate recovery. Our network ensures that repairs begin as soon as possible, preventing further damage and financial setbacks. Your claims concierge will manage the project from start to completion.

Assistance for Non-Policyholders: Even if you don’t currently have a policy with Gild, our Claims Concierge can assist you with filing a claim through your current insurance provider and connect you with the right resources to move forward. Whether you need guidance on navigating the claims process or support in understanding your next steps, we are here to help.

The Bigger Picture: Why This Matters

A claim is more than just paperwork—it’s a turning point in your recovery process. Whether your home has been damaged by a storm, your business has been disrupted by an accident, or you’re facing unexpected losses that require immediate financial support, the speed and efficiency of your claim’s handling can make all the difference. Gild’s Claims Concierge is here to take the frustration out of the process, so you can regain stability and move forward as quickly as possible.

We believe that no one should have to navigate the insurance claims process alone. By offering dedicated guidance, connecting you with trusted professionals, and advocating for fair claim settlements, we ensure that your insurance works the way it’s meant to—providing peace of mind when you need it most.

Testimonials: Gild Claims Concierge

“Gild Claims Concierge has been a wonderful addition to our team. They help us get paid so much faster & in turn have allowed us to tackle so many more projects internally & externally. We highly recommend them.” – Roxanne, Chief Financial Officer, Pro Roofing America

“Communication is clear and professional. Excellent follow-up. Pleasure to work with you!” Karen, Policyholder

Sign Up or Learn More Today

With Gild’s Claims Concierge, policyholders no longer have to face the claims process alone. Our mission is to provide clarity, advocacy, and efficiency every step of the way.

🌟 Visit our website to learn more by clicking here.

📝 Sign up today and take control of your claims process here.

Liability Insurance Small Business General

Small Business Professional Liability Essentials: What You Need to Know

Post author By Heather
Post date December 19, 2024

Running a small business comes with plenty of challenges, but navigating legal claims shouldn’t be one of them. That’s why understanding small business professional liability essentials is so important. Professional liability insurance is designed to protect your business from claims of errors, omissions, or negligence that could jeopardize everything you’ve built. At Gild Insurance, we understand the unique pressures small business owners face, which is why we offer tailored solutions to ensure you’re covered. With the right protection in place, you can focus on what you do best—growing your business with confidence.

What Is Professional Liability Insurance?

Professional liability insurance, often called errors and omissions (E&O) insurance, protects your business from claims of financial loss caused by mistakes, missed deadlines, or perceived negligence in your services… For small businesses, this coverage is a vital safety net, offering protection from the legal and financial fallout that can result from these claims.

What Does It Cover?

Here are some key areas professional liability insurance typically addresses:

Legal Costs: Covers attorney fees, court costs, and other legal expenses if you’re sued over a professional mistake.
Settlements and Judgments: Helps pay settlements or court-ordered judgments up to your policy limits.
Errors and Omissions: Protects against claims of mistakes, oversights, or missed deadlines.
Negligence and Misrepresentation: Covers situations where a client alleges you were negligent or misrepresented information.

At Gild Insurance, we customize your coverage to align with your business’s specific risks. Therefore, ensuring you’re prepared no matter what comes your way.

Why Your Small Business Needs Liability Insurance

As a small business owner, you might wonder if professional liability insurance is really necessary. Here’s why it is:

Client Requirements: Many clients require proof of coverage before signing a contract.
Mistakes Happen: Even with the best intentions, errors and oversights can occur. Insurance ensures they don’t cost you your business.
Peace of Mind: Knowing you’re protected lets you focus on growing your business instead of worrying about the “what ifs.”

Gild Insurance: Your Partner in Protection

Gild Insurance understands the unique needs of small businesses. We make it easy to secure professional liability insurance tailored to your industry, helping you stay protected and confident as you navigate the challenges of entrepreneurship.

With Gild, you’ll get more than just coverage—you’ll get a partner who’s committed to your success.

Final Thoughts

Professional liability insurance isn’t just a box to check—it’s a smart investment in your business’s future. These small business professional liability essentials ensure you’re prepared to handle the unexpected, whether it’s a lawsuit, a mistake, or a client misunderstanding.

Ready to protect your business? Let Gild Insurance help you find the right coverage, so you can focus on doing what you do best running a successful business.