
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: December 4, 2025
The Need for Revenue Doesn’t Pause When You Can’t Do Business Business interruption (BI) insurance replaces lost income when a covered peril forces you to slow or stop operations. Typical triggers include fire, wind, or water damage that makes your premises unsafe or unusable, or a direct physical loss to key equipment that halts production. Property insurance pays to repair buildings and equipment; BI covers...
Posted: December 2, 2025
Drafts, Doors, and Dollars To winterize your home, start with the biggest leaks, such as attic hatches, exterior doors, baseboards, and windows. Add adhesive weatherstripping to door jambs and sweeps to the bottom edge; use silicone caulk around window and door casings, plumbing penetrations, and where siding meets the foundation. Do a simple smoke-pencil test: on a windy day, turn on kitchen/bath fans, then move...