Commercial Insurance
Commercial Risk Management & Insurance Services
When we opened our doors in 1854, businesses faced the age-old risks of weather, fire, and supply chain disruption. Today, business challenges have only multiplied, but Gilbert’s Risk Solutions has developed advanced tools to help our neighboring businesses manage risk and weather economic vagaries.
Running a business involves risk – an unavoidable reality. Our consultative RISK SHIELD® Process allows us to evaluate the risks specific to your business, provide custom advice, and recommend proven strategies to manage those risks. The result is increased confidence and peace of mind that your company, employees, and financial future are secure. We’re proud that our customers stay with us year after year – this year, 97% of our commercial and business customers renewed with us.
Commercial & Surety Bonds
Bonding solutions for contractors and businesses that need to guarantee performance.
Auto Insurance
Coverage for company vehicles, from liability to physical damage.
Property Insurance
Protection for your buildings, equipment, and inventory.
Cyber Liability Insurance
Coverage against data breaches, ransomware, and cyber threats.
General Liability Insurance
Protection against third-party injury and property damage claims.
Loss Control Insurance
On-site safety consulting to reduce claim frequency and severity.
Management Liability Insurance
Coverage for D&O, EPLI, fiduciary, and crime exposures.
Commercial Risk Assessments
Formal evaluation of your exposures and program structure.
Workers’ Compensation
Coverage and program design for employee injury and illness.
We also offer Professional Liability, Directors & Officers (D&O), Errors & Omissions (E&O), and Business Owners Policies (BOP) to round out your protection.
Our RISK SHIELD® Process
Most Fortune 500 companies have a full-time risk manager, but few small- to mid-size businesses can afford that luxury. With Gilbert’s Risk Solutions, you get a risk manager on your team through our proprietary RISK SHIELD® Process – proactive, diagnostic, and consultative, rather than just reactive insurance placement. We’ve been helping area businesses control their risks and protect their bottom lines for seven generations.
CONSULT
DESIGN
BUILDING
MAINTAIN
Our Expertise
Our industry expertise covers manufacturing, construction, energy, transportation, nonprofits, municipalities, healthcare, technology, and hospitality — if you can name it, we’ve insured it. Not sure where to start assessing your coverage needs? The basics of business insurance are a good starting point, though our risk management approach goes well beyond the basics.
A 360-Degree View Across Every Line of Commercial Coverage
With bonds, auto, property, cyber, liability, workers’ comp, and risk assessments all under one roof, our team can spot the gaps a single-line broker would miss. Our experts in Employee Benefits, Legal Compliance, Surety Bonds, and Loss Control work together to uncover exposures that go beyond any one policy — because your risks don’t stay in separate silos, and your coverage shouldn’t either.
Commercial Risk Management FAQs
It depends on your industry, size, and exposures – most businesses need a combination of property, liability, and workers' compensation coverage, with additional protections based on specific risks.
General liability covers third-party injury and property damage claims against your business, while commercial property insurance covers your own buildings, equipment, and inventory.
RISK SHIELD® identifies your unique risks first, then designs and implements strategies to reduce them – going beyond simply placing an insurance policy.
Yes, a Business Owners Policy (BOP) often bundles general liability and property coverage, and we can help structure a package that fits your specific operations.
