
Located in Lynchburg, Virginia, Gardner Insurance Solutions, LLC was established in 1993 as an independent insurance agency. We serve the needs of small businesses and individuals throughout Central Virginia with auto/car insurance, homeowners insurance, umbrella insurance, boat insurance, motorcycle insurance, ATV insurance, RV insurance, business insurance, commercial property insurance, general liability, excess liability, flood insurance, worker’s compensation, inland marine insurance, and life/health insurance.
Put our local experience to work for you!
We are Independent Agents in Lynchburg, Virginia, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Gardner Insurance Solutions, LLC represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.


Posted: July 19, 2026
Whether your business relies on a single work truck or a fleet of delivery vans, the vehicles you use for business purposes likely need more than a standard personal auto insurance policy. Commercial auto insurance is designed to cover vehicles used for business operations and can provide protections that personal policies typically do not. Understanding the difference between the two can help business owners avoid...
Posted: July 16, 2026
If you rent your home, apartment, or condo, you may assume that your landlord's insurance policy protects your belongings. Unfortunately, that's a common misconception—and a costly one. A landlord's insurance policy typically covers the physical structure of the building but not the personal property of the people who live in it. Renters insurance is designed to fill that gap, and it's often more affordable than...
