Commercial Auto Insurance

Commercial Auto Insurance

Get protection for your commercial vehicles to drive your success and stop the risk.

What is Commercial Auto Insurance?

Most of us understand how auto insurance works, but commercial auto insurance provides specific protection for any vehicles used for your business. With the cost of auto insurance on the rise, it is important to diversify your protection and make sure you have the right protection at the right price for the specific job your commercial vehicles perform.

Vehicles to Insure

Passenger Vehicles

Cargo Vans, Pickups & Utility Trucks

Large Trucks & Food Trucks

Trailer

Who Needs It?


If you use one or more vehicles to operate your business, you should have this protection in place. Our Specialists work to understand how you are using your vehicle to build solid coverage at a price you can afford.

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Directors & Officers Liability Insurance

Directors & Officers
Liability Insurance

When you protect the personal assets of your leadership, they are empowered to lead your business into the future.

What is Directors & Officers Liability Insurance?

Lawsuits will often include as many entities or people as possible in their claim to ensure success. Too often, your vital leaders’ personal assets are specifically targeted and put at risk. This coverage understands your leadership structure and protects your Directors and Officers from experiencing personal loss.

Why You Need It

Personal Protection

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

Business Security

Your business needs leaders, and your leaders need to know they don’t stand to lose everything.

Talent Retention

Strong leaders demand a secure environment that protects their family and personal assets.

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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Employment Practices Liability Insurance

Employment Practices
Liability Insurance

Protect your business from the high cost of fighting allegations of wrongful termination, discrimination, workplace harassment, and retaliation.

What is Employment Practices Liability Insurance?

Defending your business from an unfair claim is costly. A business can be found innocent of a claim but still face significant costs in fighting the accusations. Even the best human resources practices and employee training can’t guarantee your business won’t have claims to pay or lawsuits to fight. Employment Practices Liability Insurance helps you prepare for the costly fight against wrongful termination, discrimination, workplace harassment, or retaliation claims.

Why You Need It

Claims Frequency

Hiring and firing is tricky and litigation in these areas is on the rise.

Business Security

Stay in control of your business future by preparing for the worst.

Who Needs It?


Hiring, training, promoting, developing, or terminating employees is tricky. Workplace claims are on the rise, and businesses are looking for a way to secure their future and the future of their employees. Most businesses that have employees are exposed to potential employment practices claims.

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Business Owners Policy

Business
Owner's Policy (BOP)

As a small business owner, multi-tasking is everywhere. In the business insurance world, a Business Owner’s policy or BOP is a multi-tasking policy that provides general liability and commercial property protection.

What is a Business Owner's Policy?

Wouldn’t it be nice to simplify your insurance buying experience without lessening your insurance protection? A Business Owner’s policy layers the most common parts of business insurance into a single policy making it easier to make a purchasing decision, consolidate costs and still receive the right level of protection for your business and its facilities. Like any self-respecting buffet, BOPs offer different coverage options within the General Liability and Property insurances to build personalized coverages to meet your business’ unique coverage needs.

Why You Need It

Claims Protection

Get more diverse losses covered while only having to make one purchase decision.

Business Security

As a business owner, you are always worried about disruption. Fight back with this trusted business insurance foundation. 

Business Continuation

Our Specialists work with you to make sure your packaged policy matches your exposure.

Personal Assets Protection

You want less cost without less coverage. Consider combining your risks into a policy that multi-tasks as well as you do.

Who Needs It?


Nearly all small businesses use their Business Owner’s policy as an insurance foundation and add additional coverages as needed. By protecting your business’ facilities or any expenses arising from a product or service delivery issue, it makes for a strong business insurance foundation. Consider it the “Meat and Potatoes” of the business insurance buffet.

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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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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