Gild Insurance Blog

It’s official, the Big Beautiful Bill is law! It’s shiny, it’s sprawling, and it’s packed with updates that hit home for small businesses. From healthcare shakeups to deduction perks, the Big Beautiful Bill brings major changes straight to your doorstep, without you even having to hit “Buy Now.” So, what exactly is in this beauty? 

The Big Beautiful Bill. Healthcare Rewritten. Confusion Guaranteed.

If you’re a small-business owner who’s been sending employees (or yourself) to the ACA marketplace for health coverage. . . time to buckle up. The Big Beautiful Bill just gave it a makeover, and let’s just say it’s not exactly as beautiful for you. 

Higher Costs, Fewer Choices Ahead

First up, those juicy premium tax credits that have made coverage somewhat affordable for the past few years? They hit the road at the end of 2025. That means higher premiums in 2026 for millions who rely on marketplace plans, including plenty of self-employed folks and small business teams. Spoiler: “affordable” is about to become a relative term again. 

And it’s not just the prices going up. The new law tightens eligibility and adds pre-verification rules that could delay or even block access to subsidies. Translation: more paperwork, more waiting, and more people falling through the cracks. Oh, and if you liked those zero-premium plans? Those might be going the way of the fax machine. 

On top of everything else, the enrollment window is shrinking.  All this could lead to millions losing marketplace coverage, according to early estimates. Early estimates suggest millions could lose marketplace coverage. Great timing, right? 

Bottom line, the ACA marketplace just got a lot less friendly for the small-business crowd. Fewer options, more confusion, and for many, a bigger bill. 

The Silver Lining: New Deductions That Actually Help Your Bottom Line 

Okay, so the Big Beautiful Bill isn’t all bad news. Yes, it’s absolutely tightening up healthcare access, but it’s also delivering some real tax perks that small businesses, especially hands-on pros, shouldn’t overlook. 

First up: Business Personal Property Deductions!  

The Big Beautiful Bill broadens the deduction possibilities for small businesses, allowing for full deductions on business personal property. That means the new tools, tech, furniture, and equipment you purchase may now qualify for full, upfront deductions. No more waiting years to write off those purchases; you can lower your taxable income right away. Whether you’re a tattoo artist buying fresh ink, a massage therapist replacing a table, or a landscaper upgrading a mower, these expanded deductions make it easier to reinvest in your business. 

Next Up: No Tax On Tips!  

Buried deep in the Big Beautiful Bill, there’s a bright spot, tips are now deductible at the federal level. Starting in 2025, businesses that rely on tipping, think salons, bars, restaurants, spas can write off what they pay out in tips to employees and even some contractors. It’s a rare case of tax policy doing small businesses a solid. 

Under the new rule, workers in qualifying tipped jobs can deduct up to $25,000 in tip income from their federal taxable income each year through 2028. The deduction starts to phase out at $150,000 in income, or $300,000 for joint filers, but remember, this deduction only applies to federal income tax. 

In a monumental shift, beauty businesses like salons and barbershops are finally included. These shops have long been left out of the tax breaks enjoyed by restaurants, despite relying just as heavily on tips. Now, with 83 percent of beauty professionals being women and nearly half of businesses minority-owned, the industry gets some long-overdue recognition and relief. 

On average, tipped workers stand to save about $1,700 a year. The total projected savings? $6.5 billion in 2025 alone. 

It might not undo the rest of the bill’s tougher terms, but for service-based small businesses, this deduction is a silver lining worth cashing in on. 

Big Bill Energy. Small Biz Support. 

The Big Beautiful Bill may be a mixed bag, but you don’t need a flashlight and a legal dictionary to make sense of it. At Gild, we help small business owners cut through the noise and spot the silver linings, like the new tip deduction or expanded write-offs tucked inside the fine print. 

So while the bill isn’t exactly doing small businesses any favors across the board, there are still smart ways to come out ahead. Here’s how we’ve got your back: 

Health coverage that sticks around 

No more racing the clock or stressing about missing enrollment season. With Gild, you can access affordable health plans all year. No confusing deadlines. No waiting periods. 

👉 Enroll Today 

Loan options to help you move fast 

Ready to take advantage of new deductions or invest in a refresh? Whether you need tools, equipment, or a full remodel, we’ve partnered with Owners Bank to help you find funding that fits your goals. 

👉 Let Owners Bank Help Fund Your Next Move 

The bill might not be pretty, but your next move can be. Let Gild Insurance help you make it a smart one. 

After a holiday rush, many businesses see a dip in foot traffic and online orders. But with the right support from Gild Insurance and a smart approach to seasonal sales, post-holiday periods can become some of your most profitable seasons. These post holiday sales strategies will help you maintain momentum, attract repeat buyers, and protect your profits. 

Post Holiday Sales Strategies to Create Urgency with Limited-Time Offers

Urgency is a powerful motivator. Use post-holiday campaigns like: 

• Flash sales: Promote “24-hour deals” to drive quick decisions. 

• Bundle discounts: Pair bestsellers with slower-moving inventory. 

• Extended holiday promotions: Offer “second chance” savings to those who missed out. 

Phrases like “last chance,” “ends this weekend,” or “while supplies last” create a sense of immediacy that boosts conversions. 

Re-Engage with Your Holiday Buyers

The post-holiday window is prime time for follow-up. 

• Send thank-you emails with a special offer for their next purchase. 

• Offer early access to new product drops. 

• Share behind-the-scenes content on social to keep your brand top-of-mind. 

Email remains a top performer for small businesses. Use segmentation tools to personalize messages based on purchase history or region.  

Move Inventory Without Losing Value

Deep discounts aren’t the only answer.

Instead, try:

• Tiered savings: 10% off $50, 20% off $100+
• Buy one, get one half off
• Free gift with purchase

These post-holiday sales strategies increase your average order value while protecting profit margins.

Plan Now for Long-Term Success

Post-holiday isn’t just about moving merchandise. It’s a chance to prepare for the next quarter.

• Review which items sold best and which underperformed.
• Evaluate your marketing ROI and customer retention rates.
• Refresh your business insurance to match any operational changes.

Whether you expanded your space or added staff during the holiday season, make sure your policy reflects your current risks. Gild Insurance makes it easy to adjust coverage fast, with tools designed for busy business owners.

Partner Resources That Power Growth

Gild’s partners are here to help your post-holiday strategies go further:

• Rocket Lawyer: Update your disclaimers, privacy policies, and return terms.
• Owners Bank: Manage cash flow and unlock small business lending tools.
• Envision Payroll: Navigate seasonal staffing and tax filings.
• Claims Concierge: Get help fast if you face property or inventory loss.

Ready to Maximize the Momentum?

With the right post-holiday sales strategies, you can turn a seasonal slump into a growth opportunity. Gild Insurance is here to help protect what you’ve built and support what comes next. Schedule a call or get a quote online today.

When your local auto parts store depends on daily deliveries and tight turnaround times, even a minor delay can derail your revenue. In Ohio, where small-town repair shops and regional distributors make up the bulk of the market, one broken link in the supply chain can bring everything to a halt. That’s why protecting your supply chain isn’t just a logistics issue; it’s an insurance issue.

At Gild Insurance, we help local auto parts stores plan for the unexpected. Whether you’re importing parts from overseas, relying on regional freight, or storing inventory in multiple locations, the right policy can shield your business from risk and restore operations faster after a disruption.

Why Insurance Matters to Your Local Auto Parts Store Supply Chain

Small businesses and startups in Ohio contributed more than $1.7 billion to the state’s economy. Many of these businesses, like your local auto parts store, rely on just-in-time inventory to operate efficiently. But that model can unravel quickly when a single delay disrupts the supply chain.

For your local auto parts store, that might mean:

• Delays from overseas or out-of-state suppliers
• Storage losses from fire, flood, or theft
• Vendor disputes or missing shipments
• Equipment breakdowns halting fulfillment

With the right protection, you won’t have to absorb the blow when delays or damage hit your supply chain. Gild Insurance works directly with local businesses to build policies that reflect how you actually operate—where your parts come from, how they move, and where they’re stored. That way, when something goes wrong, you’re covered from every angle.

Looking to strengthen your sourcing strategy? Gild’s Survive Tariffs Runbook can help you pinpoint weak spots, plan around rising costs, and prepare smarter for the next disruption.

Don’t Let a Single Shipment Shut Down Your Shop

Your local auto parts store faces unique risks that require targeted insurance solutions. Here’s how you can protect against the most common disruptions:

• Lost or delayed shipments?
  Look into Business Interruption Insurance to cover revenue losses when a supplier issue shuts down operations.
• Damaged parts during transport?
  Inland Marine Insurance helps protect inventory that’s in transit or stored offsite.
• Theft or vandalism at your store or warehouse?
  Commercial Property Insurance covers damage to your physical assets and stored inventory.
• Facing a lawsuit due to a faulty part?
  Product Liability Insurance helps defend your business and cover legal costs.

Need help identifying where you’re most exposed? Download Gild’s Survive Tariffs Runbook and schedule a time to talk to an agent about coverage options that match your sourcing model.

Gild Insurance Keeps Your Parts and Your Business Moving

You can’t control shipping routes or global politics. But you can control how protected your business is when those things go wrong.

At Gild Insurance, we specialize in building policies for main-street businesses that keep America running. From garages in Cleveland to parts counters in Chillicothe, we’re here to support Ohio’s auto economy—one claim, one customer, and one smart policy at a time.

Get a quote online in minutes or schedule a call with a Gild agent to secure your supply chain today.

Need help preparing for rising costs or sourcing disruptions? Download our free Survive Tariffs Runbook and take the first step toward a stronger, more resilient business.