Gild Insurance Agency

Name

Gild Insurance Agency

Legal name

Gild Insurance Agency

Website

https://yourgild.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Small Business Commercial Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industry

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)

Keywords

• Small business insurance
• Commercial liability insurance
• Independent insurance agency
• Insurance brokerage services
• Business owners policy

Headquarters

HQ city

Lewes

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Insurance Agency Commissions: Gild Insurance operates as an independent insurance agency connecting small businesses with multiple trusted insurance carrier partners. Revenue is generated through commissions earned on insurance policies sold through their platform to small business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Gild Insurance Agency operates as an independent insurance agency that connects U.S. small businesses, microbusinesses, freelancers, and solopreneurs with multiple top-rated insurance carriers. It sells and brokers a comprehensive portfolio of 18 commercial insurance products (general liability, BOP, professional liability/E&O, workers' comp, commercial auto, cyber, umbrella, D&O, EPLI, liquor liability, inland marine, media liability, vendor liability, product liability, product recall, and business personal property) tailored to specific industry verticals. Distribution combines a self-service online quote platform (Gildber) with licensed-agent phone/text support, and revenue is earned through commissions on placed policies.

Product overview

Gild Insurance Agency is a digital small business insurance agency offering a comprehensive portfolio of commercial insurance products designed for microbusinesses, freelancers, solopreneurs, and small businesses across the nation. The core product offering centers on General Liability Insurance and Business Owners Policy (BOP) Insurance as foundational coverages, supplemented by specialized liability products including Professional Liability/E&O, Workers' Compensation, Commercial Auto, Cyber Insurance, Umbrella, D&O, EPLI, Liquor Liability, Inland Marine, Media Liability, Vendor Liability, Product Liability, Product Recall, and Business Personal Property Insurance. The company operates as an independent agency connected to multiple top-rated insurance partners, enabling them to match businesses with tailored coverage options across various industries including beauty/salon, construction, food & beverage, professional services, retail, e-commerce, healthcare, and manufacturing. Gild also provides a Gildhall Marketplace for members and offers online quote capabilities for quick policy purchases.

Differentiator

Problem solved

Functional benefit

Brands

• Gildhall Marketplace: Exclusive marketplace for Gild members featuring products and services from Gild's valued partners to help launch, grow, and run small businesses.

Products and services

• General Liability Insurance Protects small businesses from financial loss due to third-party injuries, property damage, and related legal claims. Also called commercial general liability insurance (CGL).
• Business Owners Policy (BOP) Insurance Bundles general liability, commercial property, and business interruption coverage into one cost-effective policy for small and mid-sized companies.
• Professional Liability Insurance Protects businesses that provide professional services or guidance from claims of negligence, missed deadlines, or unsatisfactory work. Also known as Errors & Omissions (E&O) insurance.
• Errors and Omissions Insurance (E&O) Protects businesses from financial loss caused by mistakes, negligence, or failures in professional services. Covers legal defense costs, settlements, and judgments when clients claim work caused financial harm.
• Workers' Compensation Insurance Provides medical and wage benefits for employees who suffer work-related injuries or illnesses. Required by law in most states for businesses with employees.
• Commercial Auto Insurance Protects company-owned vehicles from financial loss, covering bodily injury, property damage, collision, and comprehensive insurance for theft, vandalism, and non-collision losses.
• Hired and Non-Owned Auto Insurance (HNOA) Protects businesses from liability when employees drive vehicles the business does not own for work-related tasks, including rental cars and employee-owned vehicles.
• Cyber Insurance Protects businesses from financial impact of cyberattacks, data breaches, and system outages. Covers incident response, data recovery, legal fees, regulatory fines, and customer notification.
• Umbrella Insurance Provides extra liability protection when the limits of existing business insurance policies (general liability, commercial auto, or employer's liability) are exceeded.
• Directors and Officers Insurance (D&O) Protects company leaders and the company from financial losses caused by lawsuits related to management decisions, covering legal defense costs, settlements, and damages.
• Employment Practices Liability Insurance (EPLI) Protects against claims related to wrongful termination, discrimination, harassment, and other employee-related issues.
• Liquor Liability Insurance Protects businesses that sell or serve alcohol from claims caused by intoxicated customers, covering bodily injury, property damage, and legal costs.
• Inland Marine Insurance Protects business property that moves over land or is used off-site, covering mobile tools, equipment, high-value assets, and property in transit or at job sites.
• Media Liability Insurance Protects professionals and companies against legal claims tied to publishing, broadcasting, and advertising, including defamation, copyright infringement, and breach of privacy.
• Vendor Liability Insurance Protects vendors, exhibitors, and concessionaires from financial losses caused by third-party bodily injury, property damage, and related legal expenses at events.
• Product Liability Insurance Protects companies from financial losses if a product they manufacture, sell, distribute, or import causes bodily injury or property damage to a third party.
• Product Recall Insurance Covers expenses related to retrieving, disposing of, and replacing defective products, including customer notification costs, logistics expenses, and brand protection.
• Business Personal Property Insurance (BPP) Protects a business's movable physical assets including electronics, equipment, inventory, and furniture from damage, loss, or theft.

Quantifiable outcome

• Same-day Certificate of Insurance issuance available for many policies

Segments11 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Multiple Top-Rated Insurance CarrierscoreChannel Partner/ Reseller/ DistributorGild Insurance works with multiple trusted insurance carrier partners to connect small businesses with tailored, affordable coverage options. As an independent agency, Gild accesses different carriers to find coverage that fits each business's unique needs, industry, and budget.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• SmartFinancial: Insurance comparison platform distributing commercial policies for small businesses through a multi-carrier agent network. Competes with Gild on convenience, multi-carrier choice, and digital lead-to-bind experience for SMB buyers.
• Next Insurance: InsurTech specializing in small-business commercial insurance with fully digital bind. Direct competitor to Gild in targeting microbusinesses, freelancers, and solopreneurs with similar GL/BOP/Professional Liability products, but offers a single-carrier instant-bind experience.
• Insureon: Online commercial insurance marketplace connecting small businesses with multiple carriers for BOP, GL, professional liability, workers comp and cyber. Closely comparable to Gild's multi-carrier independent-agency model with vertical specialization.
• Simply Business: Online insurance brokerage serving small businesses and self-employed professionals with multiple carrier options across GL, professional liability, BOP and other commercial lines. Closely overlaps Gild's target customer (microbusinesses/freelancers) and digital quote model.
• CoverWallet: Digital commercial insurance broker (acquired by Aon) serving small and mid-sized businesses with multi-carrier quoting across GL, BOP, workers comp, professional liability and cyber. Directly comparable multi-carrier digital brokerage model for SMB customers.
• Thimble: Digital small-business insurance provider offering on-demand general liability and professional liability for freelancers, contractors, and gig workers. Competes head-on with Gild's bottom-of-funnel self-service quote flow on similar SMB lines.
• CommercialInsurance.net: Online commercial insurance agency aggregating carrier options for small businesses across multiple industries. Competes with Gild in the same digital SMB brokerage channel with similar product breadth.

Broad incumbents

• Hiscox Insurance: Established specialty insurer and broker serving small businesses with GL, professional liability, and BOP products. Operates as both carrier and distributor at scale; competes in the same SMB verticals (consultants, contractors, beauty professionals) Gild targets.
• The Hartford (Small Business): Major P&C carrier with a dedicated small-business division offering BOP, GL, workers comp, professional liability and commercial auto. Competes indirectly with Gild via direct and agent channels for the same SMB verticals.

Emerging players

• NEXT Insurance Brokerage Program: Broader NEXT Insurance ecosystem and partner agency programs that sit at the intersection of direct-to-SMB and agency distribution. Comparable to Gild in targeting SMB verticals and bundling coverages, but with deeper carrier capital backing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xinstagram.com/yourgild
• Facebookfacebook.com/Gild-Insurance-Agency-105993278239108
• LinkedInlinkedin.com/company/gildinsurance
• Instagraminstagram.com/yourgild

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gild Insurance Agency