Commercial General Liability Insurance

Commercial General
Liability Insurance

Protect the “business” of your business with coverage that helps pay for losses resulting from accidents on your business property, as you deliver a service to a client, or for marketing missteps.

What is Commercial General Liability Insurance?

Every business provides a service, but sometimes mistakes happen and loss is incurred. It can be a marketing campaign gone bad, a slip–and–fall accident on your premise, or a product test that backfires. Commercial General Liability insurance protects your business from claims that may occur in the act of running your business. We know these policies sound “general” and that is because they can be. Our Specialists work with you to understand your business and build coverages that meet your needs without surprise loopholes.

Why You Need It

Claims Frequency

Claims happen, and general protection can work to keep your business open.

Business Security

You are focused on running a business, and this coverage helps keep you focused on that objective worry-free.

Right-Sized Insurance

Our Specialists work with you to make sure your coverage matches your exposure and protection requirements.

Who Needs It?


If you are asking us – we think All Business Professionals. Any business providing a professional service where mistakes, even perceived mistakes, are a possibility can get sued. Recent trends show professionals being sued at least once in their career. We specialize in helping law firms, accounting firms, architecture firms and title agencies so there is a good chance we can help your business as well.

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Cyber Liability Insurance

Cyber Liability
Insurance

As more businesses go virtual, so do their risks. Talk with one of our Specialists to understand how Cyber Liability Insurance can protect you from unseen – but very real – threats.

What Is Professional Liability Insurance?

More and more companies are taking advantage of useful technologies to save money or improve services. This migration to using virtual resources and tools has created a risk concentration around these same virtual resources and tools, which are too often under insured. Cyber Liability is a product specifically designed to protect your business from any cyber-related loss, including a breach, disclosure, hack or cyber-terrorism act. Cyber Liability comes in all shapes and sizes and can be custom fitted to your business needs and banking account.

Why You Need It

Claims Frequency

Cyber threats and losses are constant.

Business Security

Business is moving online – your insurance protection should move, too.

Right-Sized Insurance

Our Specialists work with you to make sure your coverage matches your exposure and protection requirements.

Who Needs It?

Cyber Liability insurance is one of the fastest growing business insurance products available. More and more companies are “going cyber” with their processes, services and assets, and cyber criminals are employing more and more aggressive and creative methods to expose companies not utilizing cyber best practices. It is highly likely that your company needs some Cyber Liability coverage.

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Commercial Flood Insurance

Commercial Flood Insurance

One of the highest trending losses to commercial property is water damage. Start pursuing your coverage options today.

What Is Professional Liability Insurance?

Water is a funny thing – humans can’t live without it and businesses can't live with it in the wrong place, or if there is too much of it. Commercial Flood Insurance helps your business pay for flood-related damages to your business locations. Unlike other optional business insurance coverages, there are many regulations involved in securing Commercial Flood Insurance. Talk to a Specialist today and discuss your requirements and your options.

Why You Need It

Claims Frequency

Water damage happens frequently.

Business Security

Don’t let building or equipment damages eat your profits.

Right-Sized Insurance

Our Specialists work with you to make sure your coverage matches your exposure and protection requirements.

Who Needs It?


Many business locations are required to maintain Commercial Flood Insurance. Chances are if you have a business location – you shouldn't delay in reviewing your options. Water damage to businesses is common and costly. Don't shoulder these costs alone.

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Commercial Crime Insurance

Commercial Crime Insurance

Insurance for crimes related to your business such as employee dishonesty, theft, and forgery.

What is Commercial Crime Insurance?

Financial details, personal health records, company strategies and goals – every business manages sensitive information which must be protected by their employees. Commercial Crime Insurance provides restitution for losses from a crime committed against the business by an employee. Betrayal is never expected, but you can make sure your business is protected from the unexpected.

Why You Need It

Claims Protection

Make sure you aren’t on the hook for losses that insurance can cover.

Business Security

Stop worrying about your business exposure and delegate with confidence.

Who Needs It?


All businesses with employees. Every business has sensitive information, and most businesses have team members to get the job done. Act quickly to put a blanket of protection between your sensitive information and your team members.

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Fiduciary Insurance

Fiduciary Insurance

Employee benefits is a risk and reward game. Stronger employee retention rates that come with better benefits also increases your liability.

What Is Fiduciary Insurance?

Offering employee benefits is a key to your success, but the financial liability of employee benefits fines and penalties is too often a small business’ downfall. Plus, insurance is confusing, and it is easy to slip up. This policy provides protection against those liabilities by covering losses for Fiduciary mistakes or oversights.

Why You Need It

Claims Protection

Be empowered to make the best decision for your team.

Business Security

Stop worrying about how you will pay for unforeseen penalties or fees.

Employee Protection

Add to your peace of mind knowing you have your team secured.

Who Needs It?


If you are asking us – we think all businesses offering benefits to their employees. Fiduciary liability claims are almost always steep, and the cost of insurance is a smart investment.

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Commercial Property Insurance

Commercial Property Insurance

Chances are at least some of your assets are tied up in facilities or equipment.

What Is Commercial Property Insurance?

When your child is in harm’s way – you move them. Unfortunately, buildings and most equipment do not work that way. Commercial Property Insurance secures your building and equipment by covering damage or complete loss. It is like a homeowner’s policy for your business.

Why You Need It

Claims Protection

Get losses covered on your building and equipment.

Business Security

Don't let building or equipment damages eat your profits.

Right-Sized Insurance

Our specialist work with you to make sure your coverage matches your exposure.

Who Needs It?


If you are asking us – we think all businesses who own a building or equipment. Chances are you couldn’t replace your equipment or building after a total loss, but you need that building or equipment before you can transact more business. Ensure your exposures, and know your future is secure.

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Workers Compensation

Workers' Compensation

Get coverage for your employees injured on-the-job. Don't let injury hurt your business.

What Is Workers' Compensation Insurance?

No matter the precautions you take, injuries happen. And when they do, a workers’ compensation policy responds to help your employee and your business get back on their feet again. This coverage protects your business and its most valuable asset – your team!

Why You Need It

Claims Protection

Make sure you aren't on the hook for medical bills that insurance can cover.

Business Security

Stop worrying about how you will pay for unforeseen claims.

Employee Care

Add to your peace of mind knowing you have your team secured.

Employee Assistance

Provide a safety net for your employees' lost wages or injuries.

Who Needs It?


If you are asking us – we think All Businesses with employees. The job your employees perform doesn’t have to be especially dangerous to create a potential claim. Act now before it is too late!

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Business Insurance

Business Insurance

Let’s take care of business. Get your free risk analysis or quick quote now.

Products

Partner With

Us Today!

Take the first step and ask for insurance solutions that match your needs. It is quick and easy. Don’t worry – we won’t hound you. We know an online form is more of a swipe right than a marriage proposal.

Professional Liability Insurance

Professional Liability Insurance

Time is money. Get your quick quote now and get back to work doing what you do best. Leave the insurance to us.

What Is Professional Liability Insurance?

Let’s face it – mistakes happen. And when they do, a professional liability policy will respond to claims to protect your business and help pay expenses related to the mistake (or to fight a false claim). It works as a safety net over your company’s bottom line. Sometimes, this policy is called Malpractice Insurance or Errors & Omissions Coverage. We call it “Professional Liability” because professional is our middle name, and your liability is our sworn enemy.

Why You Need It

Claims Protection

Stop spending endless money fighting a claim.

Business Security

Stop worrying about how you will pay for unforeseen claims.

Business Continuation

Keep running your business knowing you're protected.

Personal Assets Protection

Build a buffer between your business and your personal finances.

Who Needs It?

If you are asking us – we think All Business Professionals. Any business providing a professional service where mistakes, even perceived mistakes, are a possibility can get sued. Recent trends show professionals being sued at least once in their career. We specialize in helping law firms, accounting firms, architecture firms and title agencies so there is a good chance we can help your business as well.

Why Gilsbar?


We are professional liability nerds. That's the simple truth.

We thrive on building creative risk solutions and business support services to help our clients grow and succeed. Our team is a proud group of insurance gurus who know professional liability backwards and forwards. This may make us a yawner at dinner parties, but we know there is nothing funny about business risk without business insurance.


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Employee Benefits Consulting

Employee Benefits Consulting

Build a competitive benefit strategy and make your employees and your bottom line happier. Not ready to make a change but curious to learn more? Get started now – no strings attached. Seriously, no strings attached.

Custom-Fitted Benefit Plans

For your business, employee benefits are a critical factor in recruiting and retaining talented people. Gilsbar Consultants work with you to design benefit plans that succeed every time.

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Why You Need It

Employers are tired of subpar benefit agencies, pushing outdated benefit strategies, fueling rising costs and delivering service that leaves Human Resources teams stranded. It must stop, and we agree. We are tired of it, too. Our consulting and service approach is built on honest assessments, realistic goal setting, an awareness of your corporate culture priorities, creative benefit designs and strong relationships. We love our job, and we want to work for you.


Differences That Matter

  • Local Agency with a National Footprint

  • Creative, Cutting-Edge Benefit Solutions

  • Technology-Driven Enrollment Management

  • Assigned Account Management Team

  • Full-Service Benefit Offerings

What You Get

Advocacy

Telephonic healthcare concierge service to help your employees navigate through their benefits. 

Mobile Application & Marketing Tools

Communicate with your employees on the channel they are already using – their smartphone. Also, take advantage of our marketing services, and transform your benefit communications from paper weights to useful tools.

Online Benefit Administration

Human Resource team members love using our online benefit administration tools to manage new hires or Open Enrollment. Already have technology tools in place? That’s no problem. We are happy to sync our efforts with existing tools.

Predictive Modeling & Benchmark Reporting

Telephonic healthcare concierge service to help your employees navigate through their benefits. 

Telemedicine & Wellness Services

Give your employees better access to healthcare by exploring low-cost telemedicine solutions or build programs which incentivize your employees to get more out of life. These programs improve employee loyalty and plan performance.

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Partner With

Us Today!

Take the first step and ask for insurance solutions that match your needs. It is quick and easy. Don’t worry – we won’t hound you. We know an online form is more of a swipe right than a marriage proposal.