• J.M. Gardner Insurance
    Provides Auto, Home, Personal, and Business Insurance to
    Lynchburg and Central Virginia

    September 10th, 2014 by J.M. Gardner Insurance

  • Auto, Home and Personal Insurance Quotes.

    Low Rates, Local Agents, and Complete Peace of Mind.

    Get A Quote

    August 13th, 2015 by J.M. Gardner Insurance

  • Business Insurance Quotes

    Specialized Coverage You Need to do Business with Confidence.

    Get A Quote

    August 5th, 2014 by J.M. Gardner Insurance

  • Life & Health Insurance Quotes

    We Want to Help Protect You During All Stages of Life.

    Get A Quote

    August 5th, 2014 by J.M. Gardner Insurance

Welcome to J.M. Gardner Insurance

Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life & Health Insurance For Lynchburg and Central Virginia

Located in Lynchburg, Virginia, J.M. Gardner Insurance 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!

An Independent Advantage

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. J.M. Gardner Insurance 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.

March 11th, 2016 by J.M. Gardner Insurance

Recent Blog Posts

Prepare Your Office for the Summer Heat

Posted: June 12, 2018

Working in a hot office all day can affect employee morale and productivity. It makes sense for business owners to prepare in advance for scorching summer days. The following tips can help you beat the heat and create a more comfortable office environment. Make Sure Your HVAC System is in Top Running Order When temperatures are climbing, an efficiently running HVAC system can make all... Read Article

Share Your Driving Data to Help Lower Business Auto Insurance Costs

Posted: June 5, 2018

EnRoute, a new program from Erie Insurance, makes it easy for business customers to share their driving data and thereby potentially lower business auto premiums and reduce driving risk. EnRoute uses driving and vehicle data from vehicle-installed telematics devices and smartphone apps to help business owners recognize how choices, such as routes, driver actions and the types of vehicles driven, affect driving performance and safety.... Read Article

Insurance Quotes

  • Patrice Nemetz-Gardner
    Excellent posts and great information.
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