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Your Trusted Partner for Insurance and Risk Management Solutions
For over 160 years, Gilberts Risk Solutions has been a trusted partner in risk management and insurance services. Founded in 1854, our legacy is built on core values of integrity, honesty, and trust, which continue to drive our commitment to clients. We specialize in commercial and personal insurance, employee benefits, and comprehensive risk management strategies tailored to each client's unique needs. Our proprietary RISK SHIELD Process helps businesses identify exposures, implement mitigation strategies, and achieve long-term cost savings. With access to over 100 premier insurance carriers, we serve 3,000+ clients across 25 states, maintaining exceptional renewal rates of 95-97%. Our team of experts provides personalized service, combining deep industry knowledge with innovative solutions to protect businesses and families.We offer cutting-edge HRIS tools, compliance support, and specialized insurance products, including cyber liability and workers' compensation. Our client-centric approach ensures customized coverage options, whether for small businesses or large corporations. Recognized for our honesty and reliability, we maintain longstanding relationships with clients who value our proactive recommendations and responsive service. As a seventh-generation-led company, we remain dedicated to evolving with industry changes while upholding the foundational principles that have sustained our growth.
Services
Commercial Insurance
Risk Management
Employee Benefits
Personal Insurance
Claims Management
Cyber Liability
Workers Compensation
Health Insurance
Surety Bonds
Risk Assessments
Highlights and features
- We have 160 years of experience in insurance and risk management.
- Our proprietary RISK SHIELD Process reduces long-term insurance costs.
- We maintain 95-97% annual client renewal rates through personalized service.
- We offer access to 100+ premier insurance carriers nationwide.
- We provide cutting-edge HRIS tools and compliance resources for employers.
What people say
Unquestionably honest
Proactive recommendations
Reliable and dependable
Profitable partnership
Quick to respond
Services
Commercial Insurance
We provide comprehensive commercial insurance solutions tailored to protect businesses from industry-specific risks. Our offerings include general liability, cyber liability, workers' compensation, and property insurance. With access to 100+ premier carriers, we help businesses secure customized coverage that aligns with their operational needs while maintaining competitive pricing.
Risk Management
Our proprietary RISK SHIELD Process identifies business exposures through systematic analysis and implements strategies to reduce long-term costs. Using the IQRM assessment tool, we evaluate risk management practices, develop mitigation plans, and monitor effectiveness to improve insurance outcomes and operational resilience across 25+ industries.
Employee Benefits
We offer comprehensive employee benefits administration including health insurance, retirement plans, and compliance support. Our services feature a cutting-edge HRIS platform, ACA compliance tools, and access to 125+ insurance carriers. Employers receive personalized consultation to design cost-effective benefit packages while navigating complex employment regulations.
Personal Insurance
We provide tailored personal insurance solutions including auto, home, life, and umbrella policies. Our agents help individuals protect assets through customized coverage options that evolve with changing life circumstances. We offer specialized products like RV insurance, pet insurance, and identity theft protection to meet diverse personal risk management needs.
Claims Management
Our team facilitates efficient claims processing through direct carrier coordination and dedicated support. We maintain relationships with 24/7 claims reporting systems for partner carriers while providing personalized guidance throughout the claims lifecycle. Our goal ensures timely resolution and clear communication for commercial and personal policyholders.
People
Lew G. Kachulis
President
As the seventh president of Gilberts Risk Solutions, Lew G. Kachulis leads the company's strategic direction while upholding its 160-year legacy of integrity and client-focused service.
David Pringle
Controller
Controller of Kirila Contractors, David Pringle praises Gilberts' proactive approach, noting their contributions to saving over $200,000 through construction credits and optimized benefits planning.
John McKinley
President
As president of Springfield Restaurant Group, John McKinley highlights Gilberts' unmatched honesty and reliability, distinguishing them from other insurance agencies through decades of trusted partnership.
Mark Jubelirer
President
President of John Reyer Company, Mark Jubelirer emphasizes the multi-generational partnership with Gilberts, valuing their responsiveness, fairness, and enduring professional friendship.
John M. Hudson
Managing Partner
Managing Partner at Hudson Companies, John Hudson commends Gilberts' 25-year track record of understanding business needs and delivering reliable, honest service that maintains long-term client loyalty.
Questions
What industries does Gilberts specialize in?
We serve 25+ industries including manufacturing, technology, healthcare, restaurants, and municipalities through tailored risk management solutions.
How does the RISK SHIELD Process work?
Our four-step process identifies business risks, develops mitigation strategies, implements cost-reduction programs, and provides ongoing monitoring for optimal insurance outcomes.
Do you offer employee benefits administration?
Yes, we provide HRIS platforms, compliance tools, and access to 125+ insurance carriers for comprehensive employee benefits management.
Can I report claims after business hours?
Yes, our partner carriers offer 24/7 claims reporting while our team handles claims coordination during regular business hours.
How are renewal rates calculated?
Our 95-97% annual renewal rates reflect client satisfaction with our personalized service, competitive pricing, and proactive risk management approach.
What makes Gilberts different from other agencies?
With 160 years of experience, we combine generational expertise with innovative tools like our proprietary IQRM assessment system for superior risk mitigation.
Reviews (6)
Bradford Shonce
Nov 13, 2021
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Karen was very helpful and helped my wife and I make the right decision on our Medicare supplement plan. I would highly recommend you make an appointment with Karen at Gilbert's because you will receive an honest appraisal of your insurance coverage.
John Bianco
Sep 07, 2021
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Gilbert's insurance has covered my business insurance needs for nearly 20 years and has been an overall positive experience in every aspect of customer satisfaction. I highly recommend Gilbert's.
Carl Sizer
Jul 26, 2021
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I've worked with Gilbert's for six years on their personal lines. Tiffany Boyle and the personal line professionals have helped me every renewal to get the best deal available. I appreciate working with Gilberts and will be with them for the years to come.
Steve Jovenall
May 03, 2021
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I switched both my Home and Auto policies to Gilbert's Risk Solutions after being with another company for years. The cost savings is why I originally switched and after being a customer now for over a year I can now say the service I receive will keep me as a customer! Everyone is always so friendly, helpful and responsive and they make doing business with them easy!
Stacy Ginkel
Mar 05, 2021
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All of the staff at Gilbert's provide the highest level of service possible. As a small business owner, it is critical to be surrounded with great people. Gilbert's has always met our needs; from helping us acquire the business insurances we needed to get started as well as medical insurance for our employees. We are very satisfied with our Gilbert team!
Joseph Varga
Feb 03, 2021
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The staff at Gilbert's is extremely helpful and always willing to go above and beyond for their clients. When I wanted to change insurance companies they did all the legwork to find coverages that were affordable and made sense for me and my family. And they treat you like family, not just a client or a policy holder. That's hard to find these days. but they all excel at it.
